davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
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. (TX)

Subject : Regarding Equifax credit report Dear CFPB, I am victim of identity theft. Someone got car loan with my details from XXXX XXXX XXXX. I sent all my documents such as SSN card, police report, drivers license and latest utility bill to three credit bureaus to prove that I live in my current address, did not buy any car in last 2 years, and so did not get any car loan from any financial institution. XXXX  and XXXX have investigated and removed the account from my credit report. However, Equifax is not removing the account from my file. I sent request to Equifax two times. They refused to remove the account from my credit file. Car seems to be bought on different address. Not my current address. I sent all documents to prove them that Im living in my current address for last two years and told them I didnt buy any car in last 2 years. I sent latest utility bills too. How can they add new address in my credit file in XXXX-2017 and send their credit file to my current address? It is odd. They sent credit file to my current address and added new address to the file. 
I have decided to bring this issue to your notice because Equifax is not going consider my request. Can you please work with Equifax and try to resolve the issue. I really appreciate your help in this regarding.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



Capital one Bank, was provided copies of the FTC report. Capital One Bank failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. Capital One Bank failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

Capital One Bank did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from Capital One, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how Capital One Bank came to this conclusion. I suspect that no investigations actually took place. 


XXXX XXXX XXXX in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of Capital One bank, and also obtained default judgements for them as well.

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (CO)

I received a letter from XXXX XXXX that a debt I owed them had been sold. I knew nothing about this debt and contacted the original vendor associated with XXXX XXXX  to report a fraudulent charge and they stated they would refer this to their fraud department. I was never contacted by anyone with the fraud department. 
I then received a letter from a debt collector, Asset Recovery Solutions , LLC for a debt they claimed was owed to XXXX XXXX. Within 30 days of the original letter, I sent a letter to them stating the debt is disputed and requested verification of the debt pursuant to 15 U.S.C. 1692g. I never received any verification, but was once again contacted by Asset Recovery Solutions requesting a payment of {$100.00}. 
This debt is not mine, I have no knowledge of the debt. However, without further verification, I don't know if this is a result of identity theft or simply a debt that is not mine.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Enquiries 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, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The Receivable Management Services LLC (TX)

On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to XXXX  requesting evidentiary documentation to verify an existing debt with multiple companies. XXXX  failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.
Consumer complaint received 2017-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

I 'm a US veteran and did a VA streamlined refinancing in late XXXX with Stearns Lending ( the " Company '' ) as the finance company and current holder of the note. The Company 's loan servicing provider is " XXXX '' and that entity has a current practice of charging borrowers a {$5.00} processing fee for payments made over 4 days past the payment due date. Payments made over 9 days past the due date are assessed a {$10.00} fee. Loan documents state that I have a 15 day grace period to make payment each month without any late fee assessment. These processing fees during the grace period were not disclosed at the consummation of the financing. The assessment of " processing '' fees appear to be a disingenuous attempt by both the Company and its service provider ( XXXX ) to assess a late fee just by calling them something other that late fees. I tried to resolve with XXXX with no success.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

There seems to be a major problem with TD Banks back-end accounting system verses actual online transaction history that is not reflecting in " REAL TIME! '' Several transactions that I have made within just over 1 week has created unjustified overdraft fees to my TD Business Simple Checking account. The dates in questions are as follows : 1. ) XX/XX/2020 Maintenance Fee of {$10.00} bringing my account first negative at - {$6.00}. 

2. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to {$21.00}. 

3. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$59.00}. 

4. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$130.00}. 

5. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to - {$260.00}. 

These Overdraft Fees were applied incorrectly/unjustly and I would like this to be correctly applied to my account and refunded all " relative '' unjustified/errored Overdraft Fees to be credited back to my account. I am going to pay off this balance today to bring my account back into the positive status but would like to be credited back the unjustified Overdraft Fees! 

Thank you.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

on XX/XX/2020 I sent out a request for the Collection agency to provide me with validation of date. I told them to include a copy of the judgement in writing, complete accounting of debt which includes loan amount, payments, interest, and any fees associated with the loan. I also requested that they provide me with the original contracts with signatures.If not provided to me then I am requesting deletion for violation of the FDPCA. On XX/XX/2020, I received a notice from ERC stating that they provided me with requested documents. Upon receipt I noticed that they actually did not send what was requested and are using stall tatics instead if providing what I asked of them. I do not believe I owe them anything, especially if I cant be provided what are my debt is reporting to the bureau. Please assist I have attached all documents for reference
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2020 I tried to log into my checking account through Bank of America. It did not work, so I called the 800 #. The person told me that the account had been closed and they did not have to disclose why. I asked several times to speak with a supervisor and they told me no. They said they would be sending my account balance in the mail by check in 7-15 business days. I decided to make an appointment with a manager in a branch. The manager told me that all he can tell me is that due to online activity/purchases. He looked at the account and couldn't even figure out why they would close it but said that corporate does this and they have the right to do it without notification. 
I am a XXXX XXXX XXXX young man working and paying my own bills. I do not think this is fair in the middle of a pandemic, to close an account without basis for doing so, and without notice. I did not have access to any money and I was not near my home. What would I have done if needed food or gas. This is completely inappropriate and should be investigated. I have read multiple stories online about others going through the same thing. How many people has Bank of America done this to? What if it were an older person who couldn't get out of the house to go to the bank to fix it?
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MS)

Greetings, I recently refinanced my home ( closed in XXXX of XXXX ). My previous mortgage company claims they made a tax payment at the end of XXXX. The closing company for my new mortgage company actually made the payment ( see attached files from the county with XXXX XXXX referenced as the company that paid the taxes ). I wrote AmeriHome, my previous mortgage company, with a written complaint. It arrived at their offices on XX/XX/XXXX and I still have not received any written correspondence as of XX/XX/XXXX even though their website claims they will respond confirming the receipt of my complaint and address it. 

I have included the county tax records here showing that AmeriHome did not make the payment they claim they did. 

Thank you for your assistance, ( XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I apply for tanf in the state of GA on XX/XX/2020 on the XXXX I was approved. I was told ill be getting a card in the mail in 7 to 10 it been 12 day and no card. I have lost my card insurance due to not being able to pay
Consumer complaint received 2023-01-12
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. (GA)

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-06-05
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX  and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX and was told I can go on a smaller monthly payment and lowered interest rate for XXXX months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account XXXX days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for XXXX months. We weren't even near the XXXX months. I made the payment they wanted and requested to please remove that XXXX day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from transunion and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full XXXX months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of check fraud scheme, as described below. I have been reporting the matter to the FTC and the FBI 's IC3 bureaus, however through this process BofA has reported me to XXXX, thus preventing me from engaging in banking activities that are critical to my business interests and my board-level involvement with various civic organizations I volunteer with. 

The situation is as follows : In XXXX/XXXX of 2019, I was contacted to be engaged as a representative agent for the overseas company called XXXX XXXX and XXXX. My role was to receive payments on accounts from XXXX 's customers in the XXXX and remit monies to XXXX or as directed by them. My role was articulated in a memorandum of understanding on XXXX official letterhead. My liaison with XXXX is named XXXX XXXX and I have corresponded with him extensively through telephone conversations, texts and emails. On XX/XX/XXXX, a payment of {$72000.00} was delivered to me from a company named XXXX XXXX XXXX out of XXXX. As per my position with XXXX, I deposited the check into my checking account with Bank of America with the understanding that Bank of America 's ability to verify and process checks to be a reliable one and, after a hold period of more than 10 days, the check cleared BofA 's scrutiny on XX/XX/XXXX. I proceeded to distribute the funds as directed by my contact with XXXX, an individual named XXXX XXXX. On XX/XX/XXXX, I received another check payment of {$71000.00} from a certain business named XXXX out of XXXX. However, on that same day, I learned from BofA that a recall was made on the check by the issuing bank for XXXX XXXX XXXX on XX/XX/XXXX. After notifying XXXX XXXX of the trouble I called XXXX XXXX XXXX and spoke with their Vice President who said that one of their checks of the same number for the same amount had gone missing and therefore they contacted their bank to issue an investigation and a hold on the money which had previously been cleared. I immediately froze all activity, initiated recalls for the distributed monies and have complied with XXXX XXXX XXXX  investigation to every extent I am able. I initiated a check fraud investigation with Bank of America and I am working with any and all the authorities to expose the perpetrators of what is apparently a complex crime ring out of XXXX, potentially the likes of which our FBI XXXX XXXX XXXX described in his XX/XX/XXXX XXXX briefing addressing the state sponsored criminal activities of the XXXX XXXX XXXX XXXX 

*transcript of FBI XXXX XXXX XXXX XXXX presentation : https : //www.fbi.gov/news/speeches/the-threat-posed-by-the-chinese-government-and-the-chinese-communist-party-to-the-economic-and-national-security-of-the-united-states
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio America Asset Management, LLC (GA)

PORTFOLIO RECOVERY keeps changing the open date so that it can stay on my credit report forever. I have brought this up with XXXX, XXXX XXXX, and XXXX several times. PORTFOLIO RECOVERY XXXX XXXXXXXX XXXX for {$1100.00} and XXXX. As well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00}. Portfolio is coming up on its 7year mark and should be removed later this year. I don't understand how I can ever move on from this. As well as XXXX XXXX XXXX should show paid in full with all three companies. Not repossessed. I have the letter to back it up.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.