davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I am a Connecticut resident in an out of the state and coming to visit for months to the State of Florida XXXX County/ Back in XXXX I was stopped by my fiance because supossely he was speeding. The policeman made us park in the mall parking lot near by. The cop asked me to get out of the car and I removed my seatbelt I am a seatbelt faithful driver and passenger. The cop lied about me not wearing the seabelt and lied about stating I was XXXX years old at the time. I was XXXX years old and I gave him a copy of my drivers license he proceeded to do a ticket stating I was not wearing the seatbelt and I was XXXX XXXX XXXX. I also was informed although unaware because I moved many times in the state of florida that I had another ticket for failing to stop in a yellow light camera back in XXXX. My son drove my car to work many times and I was in the state of connecticut at the time of the ticket. I am going to contact an attorney because this two unfair discriminatory tickets had ruined my life and they will have to show in court I was driving the car in XXXX despite of If I own it. And prove that I was XXXX at the time and not wearing my seatbelt my exfiance can testify we are not speeding or I was wearing a seatbelt. The cop saw a Connecticut license plate and decided to make his cuota in our expense. I want to dispute these charges and demand proof I was driving and I was XXXX years old or failed to put my seatbelt. This is preventing from getting a job
Consumer complaint received 2019-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I fell behind last year and got into a payment arrangement where I was in a program. I had to make multiple payments at a reduced amount for 3 months. They advised me that I would not have to pay for two months and then would be back on my normal schedule. The months I was advised that I should have skipped were XXXX and XXXX. I made the XXXX payment instead of skipping. One person I talked to said I should not have made the XXXX payment and the next lady said it went to the XXXX payment for some reason. I want the payment that I made for XXXX to go for the XXXX payment since I was supposed to have been able to skip the XXXX payment but paid it anyway. The guidelines were unclear and I get different answers when I talk to the company. If I can have the payment that I was supposed to skip in XXXX, applied to the XXXX payment, I will be back on track completely and able to make payments on time from here on out. My next payment will be made on Friday, XX/XX/XXXX.
Consumer complaint received 2017-09-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a capital one sharebuilder investment account. I want to close the account and withdraw the funds. When I was trying to do this I saw I had an outdated address on file and update it to my current address. Now they say that it 's not a valid address and wo n't let me withdraw the funds or transfer the money to one of my other accounts. My other 10 accounts with them have no restrictions. I called them on XXXX/XXXX/XXXX and spent 2 hours on the phone getting fingers pointed at other departments and one of the supervisors there implied I was a terrorist ( after being their customer for 10 years ). On XXXX/XXXX/XXXX I recieved an email again stating they are unwilling to close my account.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I work as a XXXX XXXX. Currently, I have XXXX credit cards with J. P. Morgan Chase. They closed all my credit card account in one day suddenly without any type of notifications on the date XXXX/XXXX/2017. I did n't use the card for any illegal action. I did n't violate any of their issued credit card regulation. And I paid all my bills on time, never late for a day during the 11 year period of time. And my credit score is very good. I ca n't not think of any reason why they did this to me without any kinds of explanation.
Consumer complaint received 2020-05-27
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. (OH)

This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.
Consumer complaint received 2022-08-12
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)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-29
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: EQUIFAX, INC. (TX)

This company put incomplete information on my credit report XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, Equifax score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under Equifax but have not make good on it, and my information is being hacked but they have not done one thing about it.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My first Capital One ( Venture One ) card was activated several weeks ago. 
I had used it often since. 
Unable to access the account online, I was told by a Capital One agent that I needed to send the front and back of my Driver 's License ( through a secure link ) to gain online access to the account. 
I did that. 
To which they froze the account, without warning or reason - apparently because the address on the license plate did not match the address on the account. ( I own a house in New York, and the townhouse in XXXX XXXX NM from which the account was applied. ) I learnt of the freeze when my card was rejected in a restaurant. ( In front of a client. ) In response to my frantic call, Capital One - through three different agents - insisted that the only way to reactivate the account was by my sending a photo of my Social Security card in an email! 
A physical photo of the SS card, and nothing else will do? They also wanted a photo of a local utility bill ( reasonable enough ) but the SS card was in a safe deposit box in NY.

Game over. No physical SS card, no re-opening the account. 
Once my astonishment wore off, I demanded that Capital One put this remarkable SS card request in writing - email or physical letter. 
They refused. They offered a generic letter about " questioning my identity '' - which would have been patently false. ( I have worked in the banking industry for 40 years and know their people personally, as I described. ) They again and again refused to put in writing this bizarre and unique requirement, even as they made it again and again on a recorded line. 
If they doubted my identity, they should not have validated the card in XX/XX/XXXX. 
Instead, I now have roughly one dozen " auto-pay '' accounts waiting to charge my new " rewards '' card - but it's still frozen.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MI)

On XX/XX/2020, I filed a complaint with CFPB against XXXX  Consumer Reporting Agency and Transworld System , Inc. for reporting fraudulent and incorrect information after multiple dispute whereby XXXX  did not correct and Transworld was aware that they did not own the account for which they were reporting.

The response from both Transworld and XXXX was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with XXXX  when no new negative activity had transpired. I reviewed my report tonight and noticed that Transworld still shows on the XXXX Report. When you show the three bureau report, you can see that TSI does not exist on XXXX or XXXX but it is showing on XXXX with balances. In addition, XXXX is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that XXXX  is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because XXXX  will not correct the program and Transworld is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH XXXX AND TRANSWORLD SYSTEM, INC.
Consumer complaint received 2019-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NM)

A letter dated XX/XX/2019 was received from debt collector Williams & Fudge on an account receivable by XXXX  XXXX XXXX University. A payment plan negotiated with XXXX has been faithfully paid to on the account. XXXX never reached out to alert that there was any sort of problem, or that the debt was going out for collections. 

This is not a student loan, but is instead funds owed directly to XXXX for tuition after a scholarship had been retracted for insufficient GPA. No signed agreement was made outlying or accepting terms on a debt. 

Williams & Fudge has tacked on a 33 % fee on the account, the origin and acceptance of that specific fee as a penalty can not be determined. Neither notification of rights under state law nor a statement of their terms was provided, including a clause for time-barred debt and the significance on paying a time-barred debt. A statement of enforcability in a lawsuit was also not provided as is required by law per the NM Attorney General. 

I request that CFBP investigate the situation, the source, amount and legality of the debt collector fee, and compliance with federal and state law including FDCPA, NMCARA, New Mexico Unfair Practices Act, and NMSA 1978 Section 37-1-1 et seq.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-09-19
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)

After making a {$1500.00} payment to my credit card on XX/XX/2021 lowering my balance to {$1000.00} on that card Equifax reported my balance to be {$2600.00} even after claiming that the new update was received on XX/XX/2021, I filed a dispute on XX/XX/2021 and the inaccuracy was corrected on XX/XX/2021, but the inaccuracy and acknowledgement was only corrected on the notification that they sent me and not on my credit report I called Equifax on XX/XX/2021 and explained my concerns and gave the reference # for this dispute ( they have several other reporting inaccuracies that I have disputed based on when payments were made and when they did updates after payments were made there was ample time for that update to be reflected on my report ) How is it that XXXX XXXX is able to have the correct information and this Major credit reporting agency ( and the other two ) has so many inaccuracies? These companies hold the livelihood of millions in their grip either this is willful and intentional or incompetency, Either way there need to be serious investigation into their practices, I would encourage anyone going though something similar to just document EVERYTHING
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hello, I already submit a case about how the BOA agent rude to the international student, and made her credit card unpaid after helped she close the checking account. after the first compliant, the BOA connected me and provided an solution that I could add my friend at the authority users list. according to the policy of Boa, the authority users have rights to withdraw and pay my credit card. however, we meet new problems now. when my friend tired to go to the local bank, they said she have to call the credit card department to pay. when she called the credit card, they said that she could not pay, because this card is mine. but when I called the bank, the agent told me that they promise my friend could could them, and they will help she to do the payment. so we got different answers from the same company.I tried to pay my bills, and fixed the problem that BOA agent did. However, it is so hard to get a correct way. my credit card is due on XX/XX/XXXX. after this time, I have to pay more late fee.what can I do now? hope you can help me.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing. 

We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.
Consumer complaint received 2017-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (FL)

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (IL)

My credit information was used to obtain credit with J.P. Morgan chase on numerous times I have contact them about this situation before information was ran thru there database XX/XX/2020 XX/XX/2020 also XX/XX/XXXX XX/XX/2020. To obtain a line of credit which where fraudulent applications that me and J.P. Morgan was aware of and have spoken about
Consumer complaint received 2020-05-27
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: STONELEIGH RECOVERY ASSOCIATES, LLC (SC)

Stoneleigh recovery associates put a hard inquiry that resulted in negative inquiry on my credit report and when I called they were rude as XXXX and wouldn't tell me what the supposed debt was but that the debt was purchased and that I owe them now for something they won't tell me what it is, and more importantly if I give them more information, it will be used against me..
Consumer complaint received 2022-08-12
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The reason of my complaint is because PORTFOLIO RECOVERY ASSOCIATES has done a major violation of my rights under FCDPA this is why : I sent them a letter on XX/XX/2021 telling them that THE STATUE OF LIMITATIONS has past on the alleged debt they claimed to be owed to them. Recently checking on my credit I notice that the alleged original amount is {$2600.00} and the alleged balance owed is {$2.00} ,XXXX  a difference of {$38.00}, According to my credit report I had payed off 1 % which is totally false PORTFOLIO RECOVERY ASSOCIATES has committed fraud by paying itself to make it seen like if I make the payment but those are common violations done by junk debt buyers to restart the statue of limitation on debt. With the help of CFPB I demand for PORTFOLIO RECOVERY ASSOCIATES to provide proof of any payment made by me as you claimed in my credit report that I did, if they can not provide any proof ( checks, withdraws from account, copy of money orders etc ) whatsoever I will have no other alternative but to seek legal advice and file a formal complaint to the California State Attorney General and the FTC. ATTACH TO THIS LETTER I AM PROVIDING CFPB WITH : - THE STATUE OF LIMITATION LETTER I SENT TO PORTFOLIO RECOVERY ASSOCIATES., - A COPY OF MY CREDIT REPORT WHERE IT SHOWS THE VIOLATION CLAIMED ABOVE
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

To Whom It May Concern : Can you looked into this matter, I wrote this company a letter LVNV a FUNDING LLC. XXXX XXXX XXXX  XXXX. File No. # XXXX. This company are not on my credit reports, I dont know were this amount {$1900.00} is coming from. Please look into this matter. Thank you for your time and consideration.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (AL)

I inquired on buying a truck from XXXX XXXX XXXX in XXXX, AL. I asked the finance guy not to send my information everywhere. He said that he wouldn't. My credit report shows he sent my information to four different places on XX/XX/2018 and five different places on XX/XX/ 2018. I have exhausted almost every avenue to fix this issue. PLEASE HELP!!! -XXXX XXXX
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (ID)

Hello, I applied for a Student Credit Visa through US Bank on XXXX XXXX of 2016. I received XXXX " hard '' inquiries by : XXXX XXXX, and Us Bancorp. I understood I would receive XXXX hard inquiry. However, I talked with a banker or customer service rep on the credit service of US Bank. They said that it did look odd like it may have been run an extra time. 

I reviewed the contract very thoroughly and do not believe they were authorized to run it more than twice. If I have made a mistake on my end in any way I take full responsibility for the extra hard inquiry on my record. My email is XXXX for additional information required. 

Thank you for taking the time to review my complaint. 

Best Regards