davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

Applied for a mortgage and found out I have a unauthorized extended fraud alert on my Experian credit file I received no notification of this. I also did not authorize this and I am unable to get thru to a live representative automated system wants me to send several documents thru mail
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NJ)

I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX and XXXX and XXXX agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Zip Co US Inc. (LA)

I, consumer, natural person, and living woman was discriminated against by Zip ( Quadpay ) when I requested an increase in spending power on XX/XX/XXXX and XXXX XXXX. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). A consumer credit transaction occurred the moment I applied for credit by filling out a CREDIT application NOT a LOAN application. In addition, when you, Zip ( Quadpay ), accepted my application you also accepted fiduciary responsibility. My consumer report shows proof that zip ( ( Quadpay ) views my report each time a purchase ( credit transaction ) is made and it negatively impacts my consumer report. 

Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Zip ( Quadpay ) and the unauthorized use of my credit card. It is my right to be granted substantial amount of credit 15 USC 1691 ( d ) ( 6 ). 

When I spoke to a Customer Service Representative informed me that the spending power is increased automatically after being in good standing for 30 to 60 days of having an account. My account has been in good standing and Ive had the account for over an year. A customer service rep also denied me the information in knowing the maximum spending power when I requested the information. 

Best Regards, XXXX : XXXX  [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX and XXXX XXXX. Attached is the documentation for verification as well as account update information.
Consumer complaint received 2018-02-02
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: EQUIFAX, INC. (NY)

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.
Consumer complaint received 2024-03-31
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. (NC)

XXXX, XXXX, and Experian credit bureaus have failed to remove the accounts associated with identity theft that they've received fraud reports identity theft affidavits police reports proof that I'm under XXXX  XXXX  and proof that there's no way that I purchased a vehicle or any got any credit cards and instead of removing them they continually lie on documentation and have said that I have received something of material effect which is a baseless falseless claim all of these accounts associated with my credit bureau currently are all fraudulent and I asked the consumer financial Protection bureau to actually do something about it instead of allowing them to continue to violate my rights and allow accounts that violated multiple Federal statues to continue on my credit report they have received proper documentation to remove these items and I request that you remove XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX which does not match my birthday it has a birthday of XX/XX/1981 which is not my birthday this again is fraudulent accounts allowing the usage of my social as well as credit bureaus and for the better part of 8 months I've been trying to get these items removed and XXXX Experian and XXXX lied and gave me forge documents that actually are baseless claims and completely falsified claiming though a XXXX person in assisted living is somehow purchasing vehicles and getting credit cards this is beyond pathetic the credit bureaus owe me significant damages and I want the money paid to me I've asked for months on end they violated every Federal statue that guides them and it's about time you guys actually do something I mean what do I have 140 complaints with you guys at this point and you've done absolutely nothing.
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In reference to dispute number XXXX This company has stated that it has verified the debt that they claim I owe. I am requesting the CFPB to hold this company liable of identity theft if they are not able to produce the following. 

1. A sworn statement by me giving permission for this company to report this alleged debt.

2. A copy of my wet signature showing that I agree.

3. Any letter showing that I have given this company permissible purpose to report this.

If this company can't produce this then they have stolen my identity to create a false debt without consent.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I initiated a cash out refinance loan with my existing mortgage company on XX/XX/2020. I have had 38 contacts with them, have submitted 30 items for there review, signed papers, payed for an appraisal, paid my credit card bill which they told me not to pay. They have adjusted the fees ( up ) and amount of cash to be received ( down ) twice, and I am still waiting for an answer as of XX/XX/2020. Throughout the process the basic mode of operation has been for them to request something of me, I respond within a day or 2, then I don't hear anything for a week or 2, and when I do, it is another request for additional documents. I feel that I have been strung along unfairly.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

I received a call from American Coradius International on XX/XX/2018 saying that owed XXXX over {$800.00}. I do not have a credit account with XXXX, so there's no way I could owe XXXX anything. I confirmed my name for American Coradius, but when they said I owed money, I hung up immediately. They called from this number : XXXX I called XXXX immediately and they confirmed that I do not owe them anything and that I do not have a credit account with them. They apologized, but could not explain why I had received the call. I closed my XXXX account.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I requested a credit limit increase on my Bank of America card. The increase was refused with the bank claiming I had 16 new cards opened in the last 24 months. This was false. I viewed my credit report and there are only 5 new cards opened. I confronted Bank of America with this and they admitted their system failed and their decision was based on incorrect information. They still refused the credit limit increase.
Consumer complaint received 2020-07-14
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)

My bank the a predatory practice of ending online account access for consumers if their checking account goes negative, without electronically notifying them with the details. People who have chosen to receive paperless billing are unable to view the 21 day bill notifications required by the Truth in Lending act. This caused me lose access to my accounts During the covid 19 pandemic when the bank was making changes to the bill due date of my line of credit without my approval. This also resulted in me not being able to pay my bill after being notified by phone. 

My bill was due XX/XX/XXXX. I received the first notification of the overdue by phone XX/XX/XXXX. I tried to pay the bill through online access on XX/XX/XXXX ( A Saturday ) but the account was locked out and bank closed until Monday. I paid the bill Monday ( next business day ) at XXXX XXXX through the drive through.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (CT)

Hello CFPB : This complaint is against Provident Funding of XXXX XXXX, CA. We had a home mortgage with XXXX but at one point this past fall they sold the loan to Provident. We had the mortgage bill on automatic payment from our checking account ( screen print attached ). The loan transfer was evidently not a change that we initiated and, among many other bills and with a busy family life, it took us a while to change the automatic payment information in our checking account but never missed a payment. When we found out about the transfer we called XXXX  and they assured us that we have some time to make the transition and they will forward the payments to Provident meanwhile. The XX/XX/XXXX-due payment, that still went out to XXXX, was eventually returned to our checking account however and not forwarded. We called Provident right away to say that we're rescheduling it to be sent to them and all so going forward. Their representative acknowledged that, informed us of the actual payment amount going forward ( which was actually smaller than our bill with the prev. lender ), and confirmed that we have until XX/XX/XXXX with the standard 2-week grace period. Against that phone conversation, Provident sent us a dismaying letter of default dated XX/XX/XXXX( no longer having it ), to which we responded on XX/XX/XXXX ( doc file attached ). The non-forwarded XX/XX/XXXXpayment had been re-made as discussed and all further payments have been made on time ( Provident screen print attached ). To add to the harassment, Provident now sends us a late fee charge of {$67.00} ( bill attached ). As a last resort we are asking that you please review the above and deny this charge. We further ask that you consider penalizing this lender 's aggressive practices, for a fair treatment of other customers. Thank you for letting us know.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like Equifax, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission.

However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX 

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by Equifax, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (SC)

Notice to agent is notice to principal, this should serve as a written notice to Drivetime that I wish to pursue arbitration according to the contract for many disputes/ complaints I have with the unconscionable contract, false advertising about the price of the car, violations of the TILA, and miss applied down payment. Last 4 of ss XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IN)

Last year I received a letter from XXXX XXXX about a debt of over {$700.00}. I have no idea where this was from. Looking into it further I found it was from Synchrony bank and it was for a XXXX credit card. I have never owned one of these and haven't been to a XXXX in over 10 years. I called and spoke with someone from the fraud department at Synchrony and they said the account would be closed and they would mark it as fraud. It still shows up on my credit report though and is hurting it. I have never received a bill from this bank.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for and received a Bank of America XXXX XXXX card in XX/XX/2021 with a promotional offer of XXXX bonus miles if you spend {$1000.00} in the first 90 days. I spent and paid a total of {$1000.00} by the second month. When I called Bank of America this month they said I did not meet the required {$1000.00} because {$59.00} was a membership fee so I was short {$57.00} of the {$1000.00} and no points. In my view they need to be more open about the fees. Security fees, excise taxes, sales taxes all count. Please see letter attached from them, it states I did not I spend the {$1000.00} of which I have proof. No mention about the {$59.00} not counting. I do not know how many other consumers have been mislead by the promotional offer not stating OPENLY that the membership fee does not count towards the {$1000.00} total. I may have been mislead by this offer, but would hope that they state this in large print SO others do not make the same error in the future.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC (PA)

I was contacted by Receivable Management Services Corp to pay a debt owed to XXXX XXXX XXXX  at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the R.M.S company and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

On XX/XX/XXXX three outpatient services were performed at XXXX XXXX Hospital in the amounts of {$110.00}, {$110.00} and {$150.00} totaling {$370.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX   ) submitted a claim to the wrong insurer although I had provided the correct insurance card for  copying the day of services. On XX/XX/XXXX, when I received a bill for {$370.00} from XXXX, I contacted them to inform them of their error and I contacted the insurer because my insurance had ended XX/XX/XXXX, but the services were prior to that end date. XXXX submitted a claim to my insurer but it was not for {$370.00}, but for {$4900.00}, a substantial increase of 1,215.5 %. They also included an additional service not previously billed, so now they were requesting payment for four services instead of three. As a result, the insurer paid a total of {$630.00}, which was an over payment in the amount of {$250.00}. Afterwards, XXXX submitted two additional bills for the same services, but this time, changed the names but left the amounts at {$110.00}, {$110.00}, and {$150.00}. Unknowingly, the insurer paid an additional {$220.00} for services they had already paid. SO there was a total over payment of {$480.00}, yet, XXXX sent me a bill for {$150.00}. The insurer and the hospital had already sent me notice of payments ( over payment ) and I only owed the hospital {$3.00}. I contacted XXXX to make them aware of what I have determined to be fraud on their and the doctor 's part and told them they had already been paid and therefore they needed to speak with the hospital or whomever got the money and bring my account to XXXX. Instead, they placed the account with XXXX XXXX XXXX ( XXXX ) of XXXX XXXX for collection. When contacted by XXXX in a letter dated XX/XX/XXXX, I disputed the debt and asked them for verification in accordance with FDCPA ; none was provided. Instead, they sent me another bill dated XX/XX/XXXX, requesting payment. I sent them a letter with proof of payments and explained how they were actually overpaid and should not be harassing me for any payment since I owe nothing. I asked them to bring my account to XXXX. I have filed a complaint with the Composite Board of Medical Examiners regarding the doctor who is collecting on this inaccurate debt.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

there are 2 collections on my otherwise excellent credit by a company by the name of MBA law - i have never contracted with this company - i have know knowledge of this company and it appears twice on my personal credit i would like for these collections from MBA LAW to be removed immediately. 

i have sent corresponsence to the MBA LAW company and have received no response and that was approx 40 days ago. 

according to various laws of the FCRA- i have a right to credit reporting in an excellent manner collections may be a result of an old debt that was either discharged, paid or cancelled. According to tax documents - as a consumer if this was an old debt it may have been charged of and is no longer a debt to me but has been reported as income,
Consumer complaint received 2021-02-27
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: Experian Information Solutions Inc. (GA)

Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.
Consumer complaint received 2020-04-26
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: CITIBANK, N.A. (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )