davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (OH)

Equifax made it clear not to follow Metro-2 compliance guidelines. Never fully investigated my concerns. Accounts reappeared on my credit report after being removed in XXXX. 
Below is receipt of certified mail with proof of mailing letters send out past and present. 

Let remember I disputed with them over 6 times. So they had over XXXX plus to follow strict procedures. Now when accounts are removed and/or updates the bureaus must provide " carbon copy '' to their partners, affiliates, and other bureaus. This is part of Metro-2 Compliance so they should have this in their archive to show the accounts deleted. Plus any accounts I disputed in the past until now. 

Also Metro-2 compliance stated any errors on account must be delete. Let remember the creditors and bureaus must go through a compliance checklist for verification, validation process before reporting, and if you have multiply errors on my report, Equifax clearly did not investigate, but lied. Its CFPB to enforce the laws. 

Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-11-08
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I first contact Capital One regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX 2020. I knew this was incorrect when I had just made a payment of {$81.00} for XXXX I looked into the matter immediately by contacting Capital One and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my Capital One app and the day I made the {$81.00} for XXXX that is what it stated. My monthly payment practice has been what is on my Capital One app and has been for as long as I have had the card. 

The Cap One rep explained to me to contact the credit report agencies and make a dispute through them. I did this and Capital One denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.
Consumer complaint received 2020-11-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (KS)

We are under the CARES Act forebearance plan with Flagstar Bank due to job loss due to COVID. We are still paying our escrow and have made all arrangements needed for the program. We were not behind prior to the COVID job loss. We now have people coming to our door physically wanting payment. This is not right and we believe this should be considered harassment under the FCRA.
Consumer complaint received 2020-12-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America ( BOA ) wants me to pay an additional {$630.00} before they will pay off my home mortgage. 

XXXX - I phoned BOA property department to get a payoff amount for my mortgage account # XXXX good until XX/XX/XXXX. The amount given was {$37000.00}. The rep stated he could not send me a payoff statement because the computers were being updated ; he instructed me what to do and where to send my payment. 

XXXX2020 - I mailed Check # XXXX in the amount of {$37000.00} to BOA for payoff of my mortgage. 

XXXX2020 - My bank statement shows BOA took the {$37000.00} from my bank account. 

XXXX2020 - I received the monthly statement for XX/XX/2020 with a payment of {$630.00} due, despite a XXXX  balance in my principal balance and accrued interest columns, and the {$37000.00} was identified as " Unapplied Funds. '' I immediately called BOA to inquire why I did not receive a letter stating my mortgage is paid in full and all necessary procedures are being completed. The rep named XXXX stated she would correctly apply the funds and to disregard the XX/XX/2020 statement. She stated it would take 30 days to receive my letter of fulfillment and the escrow balance will be sent shortly thereafter, along with the lien release to the county. 

XXXX2020 - No letter of fulfillment received ; however, I did receive another monthly statement for the now past due mortgage payment. 

XXXX2020 - No letter of fulfillment received ; and I received another monthly statement for the now two months past due mortgage payment. 

XXXX2020 - I received a call from XXXX rep XXXX regarding the " missed payment '' of {$630.00} at BOA. I explained my issue the XXXX and she stated she will contact BOA for intervention. 

XXXX2020 - No letter of fulfillment received ; the monthly statement keeps coming! 

XXXX2020 - BOA supervisor XXXX or XXXX XXXX phoned me about the error in applying my payoff and stated that research is needed and she would phone me XX/XX/2020 at XXXX CST with results. No direct phone number given to me for contact. 

XXXX2020 - No phone call received!! No way to contact supervisor directly. 

XXXX2020 - I received a payoff statement for {$630.00} for my mortgage!! I phoned BOA, placed on hold. I then phoned XXXX rep XXXX and left message. XXXX responded ad gave me the number to Consume Financial Protection Office. 

.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

CREDIT COLLECTION SERVI( #XXXX ( XXXX XXXX XXXX XXXX, MA XXXX, (XXXX) XXXX) Placed for collection: XX/XX/XXXX Balance: $XXXX Pay Status: >In Collection< Responsibility: Individual Account Date Updated: XX/XX/XXXX
Account Type: Open Account Original Amount: $XXXX Loan Type: COLLECTION AGENCY/ ATTORNEY Original Creditor: XXXX XXXX XXXX XXXX
(Insurance) Past Due: >$XXXX< Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (TX)

Sent Letters to the CRA on these Dates : XXXX/XXXX/2020, XXXX/XXXX/2020, XX/XX/2020 Amount : {$3700.00} I am writing this due to non-compliance with the Credit Reporting Agency -Equifax They have failed to remove information that was affiliated with this account that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

New Rez LLC dba Shellpoint Mortgage was sent a wire on XX/XX/XXXX they have yet to use the wired funds to pay off my mortgage. They have had a collection agency calling me non-stop threatening me that they are going to foreclose. The title company we used has a wire confirmation where the funds were sent twice. 

Shellpoint returned the first wire to the title company with no explanation. the title company resent the wire a second time and Shellpoint has been holding the wire, this has caused me to be in default with them and it is their fault the loan hasn't been paid off. 

I have called numerous times and no one will assist me in getting this resolved. One of the people i spoke to assured me it would be resolved on XX/XX/XXXX, her name is XXXX XXXX, i never heard back from her and every time I call them i get a different person answering the phone and they are extremely rude and of no help whatsoever. 

I was told on XX/XX/XXXX that it would be resolved by XX/XX/XXXX and as of XX/XX/XXXX it still has not been resolved. They have been holding money from the title company for well over a month and will not pay off my mortgage. 

I am very concerned that this will affect my credit scores ( my wife 's as well ) and with the collection company now calling me i am very worried about this situation. 

This company does not want to answer questions, they say they have no records of all the numerous phone calls i have made. I can never talk to the same person when i call in and they are very rude to talk to.
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I got that loan more than 5 years ago had it paid off refinance then they never took the money that I paid off of my balance so I stopped paying. Then today XX/XX/2020 I received a text saying my payment didn't go through which I never authorized the payment. I called the phone number and ask him to stop calling me. they called me back and told me they were from Ace check cashing and that I was going to go to jail if I didn't make a payment.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, XXXX and Experian  updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Midland Funding nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Consumer complaint received 2020-11-17
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: Atlanticus Services Corporation (CA)

On XXXX/XXXX/20, Fortiva emailed me my account has been closed effective XXXX/XXXX/20. I paid off my credit card and requested to close it. On XXXX/XXXX/20, Fortiva emailed me to notify that there was a new purchased activity has been applied to my account. I spoke to Fortiva Credit Card customer service representative and I was advised to submit Fortiva Fraud Affidavit. It was proved that transactions made was fraud. Fortiva never reported to 3 Credit Bureaus that my account has been closed. On XXXX/XXXX/20, Fortiva emailed me RE : XX/XX/XXXX2020 electronic statement is available. When I logged in to XXXX XXXX, I still have access using my username & password. This time the account was opened under my name with different account number. I never authorized Fortiva to open a new credit card account. It says my card has not been activated but I have a current balance of {$25.00} and is due on XXXX/XXXX/20. As I have mentioned earlier, my account has been closed since XXXX/XXXX/20. Fortiva should have been reported to 3  Credit Bureaus my account has been paid off & closed as I requested it. I never authorized Fortiva to open a new account. Fortiva continues to report to credit bureaus my account is open & will have this {$25.00} as delinquent if I did not pay by XXXX/XXXX/20.
Consumer complaint received 2020-11-17
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: The Bureaus, Inc. (CA)

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX  did not delete as requested and just updated the accounts for The Bureaus Inc. As relevant proof I disputed these The Bureaus Inc accounts with XXXX  XXXX since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous The Bureaus Inc accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA (VA)

I have a balance within my Apple Wallet ( Apple XXXX Balance ) but am unsure of how to use this to pay my Apple Card balance down or use online at websites like XXXX, XXXX XXXX XXXX XXXX has made it very hard to apply Apple XXXX balance towards Apple Cash Card, or GS Apple Card
Consumer complaint received 2020-12-11
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: GLA Collection Company, Inc. (OH)

On XX/XX/2020, GLA COLLECTION COMPA add a derogatory mark on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (TN)

I had a summons to XXXX County General Sessions Court today regarding the plaintiff Discover Bank vs XXXX XXXX. Discover Bank mailed new a letter stating ; the account has been charged off and XXXX XXXX XXXX is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one arbitrarily lowered my credit limit on XX/XX/XXXX, XXXX from XXXX to XXXX because I hadnt used it enough. I have an impeccable credit rating of XXXX which will be lowered due to this. I had planned to use this card to cover part of a very expensive cruise we were to take in XXXX, 2020, but the cruise was canceled. My wife spoke with Capital one today, and was told by a supervisor that the decision was final, could not be reversed, and nothing could be done. I am furious that my credit rating will be damaged by this. Furthermore, the supervisor informed me that this could happen to my other account, both of my wifes accounts, and that she would have no way to notify us until we received the actual letters, as I did today. This is reprehensible. Through no fault of my own, I am being penalized for being financially responsible.