davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The following accounts are showing as negative on my credit report despite repeated attempts to have them removed. Experian has failed to produce documentation with my signature that says I am the owner of the following account : Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX   XXXX {$480.00} {$300.00} 160 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} {$300.00} 149 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - Revolving Unknown XX/XX/XXXX XXXX
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to report on my recent experience with refinancing my loan with the help of XXXX XXXX ( XXXX ID : XXXX ). It has caused me enormous agony, wasted a lot of my time, appraisal costs and opportunity to gain from refinancing earlier. 
I started my refinance sometime in XX/XX/2021 and submitted a competing offer to match. While I was promised that the offer will be matched in terms of " estimated cash to close '', I was not provided any loan disclosure- always being told that it will happen at closing. Bofa being a big trusted bank, I choose to believe that. However in XXXX after many calls doing follow up, I finally got a closing disclosure. It was not what I promised. Beyond that, the office dishonestly tried to sell that it was a better offer because the " cash to close '' was lower. When I pointed that out that they were two different things, I was given inconsistent reasoning such as XXXX. The competing offer hadnt gone through underwriting which is not a requirement anywhere. Even if it is at Bofa, it was not mentioned. In a subsequent mail, the lender agreed that it was fair offer XXXX. The next reason was that it was below price and this is best Bofa can do. 

At this point, while I was ok with the time and effort I had invested, being mislead was beyond what I could accept. I canceled the application. And since then with a new company within two weeks I have closing disclosure that matches the original terms I had requested.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (SC)

My income tax stimulus payment was apply to my account through the IRS, and suddenly my account was frozen, without any warning, I never before had any problems with my card, I couldn't even call them to ask why? But I had another account with them with a debit card, only then I was able to get through and when I asked them why I couldn't withdraw my money, they replied that they couldn't discuss that with me, and that they will send me the {$2300.00}. that is in my account, but I don't believe them, please help me with this problem.
Consumer complaint received 2017-04-17
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (TN)

I have a credit balance on my PayPal Credit account. I have asked twice that this credit be applied to future purchases. Yet when I charge a purchase against this account, I continue to be invoiced monthly for these purchases. When I pointed out on my last statement that PayPal actually owed me money, I was told that the credit reflected a pending disputed charge. However, there is no dispute for the amount of {$71.00} on my account. The only disputed charge is for {$5.00}. All other disputed charges since 2010 have been closed.
Consumer complaint received 2024-01-29
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TX)

First incident was when I received a charge for a service I was not enrolled in on. I reached out to the fraud department and showed evidence showing that my current account with the same company wasnt responsible for the charge but they still ruled the charge my fault on XX/XX/05. Im also experiencing issues with receiving money back from merchants such as refunds and from pending charges.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (PA)

I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX  has removed the account but XXXX XXXX XXXX has not. 

ENHAHNCED RECOVERY ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

XXXX  tracking XXXX XXXX XXXX XXXX XXXX XXXX  tracking XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I do not know where to put this under but MCM is calling numbers that do not belong to the person who they are trying to reach. The numbers on the account my number belongs to is not even under the persons name they are trying to get a hold of so how is this legal . I may be  the husband but my name was never on any account with my wife 's and this number was originally a business number that I had for a year before switching the number to an account that is not mine or my wife 's. There is no possibile way that MCM found this number under my wife 's name since it was under  XXXX   XXXX   XXXX  and then went to my mothers name who shares no last name or any similar name with me or my wife. How do I know MCM has not called anyone else under my mothers name and disclosed information. These people are doing illegal stuff.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The company has reported false and inaccurate information on my credit report. They have reported this information to Equifax and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Starting on XX/XX/XXXX I sent dispute letters to the XXXX bureaus ( Experian, XXXX and XXXX ) disputing the late payment on the Closed account with XXXX XXXX 

Payments status reflects CURRENT on XXXX and also on XXXX but on EXPERIAN it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I was cornered by a man at my Chase bank ( XXXX XXXX XXXX, XXXX, NY XXXX ). The man had a check of {$700.00} that he told me to deposit into my account so that he could get the cash that he needed. I told him to speak with the chase office but they weren't open. I was alone and felt scared so I did as I was told. The check went through and the funds were available in my account and I gave him {$500.00} cash and was told to transfer the rest via XXXX. On XX/XX/XXXX, my account went to the negatives as I was charged the {$700.00}. I explained the bank, customer service, and fraud dept. but they turned my case down. We were able to deduce that the check was associated with XXXX XXXX and deemed altered. XXXX XXXX then returned the money from the check to the original check 's owner. They claimed they wouldn't be able to do anything without the owner 's permission. I have been trying to contact the owner but they were not picking up my calls. They read my message and accepted the XXXX transfer. Chase contacted XXXX XXXX today and XXXX XXXX refused to return the money. So my account has been withdrawn and the person who deposited the check into my account has the money in their account.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a current complaint # XXXX. Bank of America called on XX/XX/2021 confirming receipt of the complaint. XXXX at the XXXX XXXX XXXX XXXX. advised Bank of America would be calling to update with the resolution to the issue by XX/XX/2021. I have not received a response from them to date. I was given a number to call ( works ) and extension that doesn't work, XXXX ext XXXX. No options to speak with someone.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

I contacted  XXXX   XXXX , now Navient 10 years ago to make sure I was doing what I needed to do for Loan Forgiveness For  Public Service. I h ave worked full time in the school system and have made every payment. I was told 10 years ago that I was in the program because my loan is a Stafford Loan through FFELP. I thought all I had to do is make the 120 payments, remain employed and the loan would be forgiven. Now I am told that I was never in the program because I did n't consolidate into a Direct Loan. I consolidated in  XXXX  and until a month ago when an ombudsman said anyone in this program needed to consolidate in  XXXX  I had no idea. I do n't know if they just did n't know what they were doing or purposefully lead me not to move the loan because they would have lost the {$60000.00} I have already paid as well as the {$41000.00} remaining.
Consumer complaint received 2022-08-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OSG Group Holdings, Inc. (TX)

I received a phone call today from a mediation service in California. XXXX XXXX XXXX # XXXX, XXXX, CA XXXX is the address. The number did not show up on the caller ID. The person I spoke with goes by the name of XXXX XXXX and claimed that they were hired by XXXX XXXX XXXX to collect a debt. They said that there were numerous complaints from XXXX and that they made several attempts to contact me. This is the first time I received any kind of phone calls about this. I asked him to send me documentations and information about the debt because I was not just going to authorize any kind of payments. He refused to give or send me any kind of information and stated that XXXX XXXX XXXX wasn't going to send information either. He then became abrasive and started threatening me stating that if I did not attempt to pay or make any arrangements that I would be getting sued and face criminal prosecution. So I said that I would make arrangements. He sent me an email through adobe acrobat sign to sign the documentations which came from a XXXX XXXX with Dispute Resolution Service. I have not signed anything. The statement states that I owe {$3200.00} but when I reached out to XXXX XXXX XXXX, they stated that I owe {$1400.00}. They told me that my account was sold to Debt Management Partners. I also called the CFPB and stated that it sounded like a scam.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

{$5.00} Maintenance fee was charge to my accountant monthly they said because I did no have over {$300.00} in my account this happens on the XXXX of each month. But XXXX just came in and I have more then {$300.00} and they charge me another fee. They would not remove my fee this is Bank Of America.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (TX)

To Whom It May Concern, I have a collection account on my  XXXX ,   XXXX   and  XXXX  credit bureau files from the company, Credit Protection, account number listed as  XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (CA)

Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name.
XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To Whom It May Concern, I have a collection account on my XXXX  and XXXX credit bureau file from the company, Portfolio Recovery Associates, account number listed as XXXX*. Please be advised that I am disputing this information due to the fact that Portfolio Recovery Associates does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Portfolio Recovery Associates DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
Consumer complaint received 2017-07-15
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. (LA)

I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.
Consumer complaint received 2017-09-13
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. (WI)

Due to the equifax breach I now have to actively pay in order to keep my credit safe and secure. Upon checking their website I found out that I am vulnerable to having my information stolen.
Consumer complaint received 2017-12-28
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: CITIBANK, N.A. (IN)

Dear Sir/Madam I submitted my payment to citi cards on XXXX/XXXX/XXXX through my on line payment. My citi card account number is XXXX for the amount of {$590.00}. When I made my payment my bank ( chase ) had different address for citi cards so it went into a different account. This a/c was my wife 's a/c which was closed due to credit consolidation. That a/c number is XXXX. I contacted the citi card member and they said it will take 30 days to resolve this issue. I called after 30 days and they said they have not heard anything about this issue and they are going to make new inquiry and it will take 2 more weeks. I waited for 2 weeks and called them again and they said again there was nothing noted regarding this matter and they want to start a new inquiry and will return my money after they check it. Kindly help me regarding this matter. They are calling me about not making a payment but I already made a payment on XXXX/XXXX/XXXX. 

Transaction Information : Biller ID : XXXX Payee Name : XXXX XXXX XXXX XXXX # : XXXX Payment Amount : {$590.00} File Transmission Date : XXXX/XXXX/XXXX XXXX PM Payment Effective Date : XXXX/XXXX/XXXX Trace Number : XXXX Transaction ID : XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. Swift correction is imperative.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$28000.00} US DEPT ED XXXX Balance : {$48000.00} DP OF EDUC XXXX Balance : {$28000.00} DP OF EDUC XXXX Balance : {$48000.00}
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC. (TX)

I had frost checking account before, but I went back to XXXX few months ago and when i got back i found out i am unable to login to my frost online banking and i went into branch and found out my account has been compromised by another person and that person tried to mobile deposit a check into my account, but that check didn't went through and frost bank decided ended business relationship with me when i wasn't the one who did that and now i can't open a new checking account with frost bank
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I'm having a hard time receiving a report from Experian. I have accounts open that report to Experian so I'm unsure as to why they are not reporting any accounts. They need to provide a score for me, I am in the process of trying to buy a home.