davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2022-09-06
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: Convergent Resources, Inc. (TX)

I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Convergent Outsourcing and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Consumer complaint received 2022-02-14
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: DriveTime (PA)

It has come to my attention that DT CREDIT has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT CREDIT takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

1. The Bank of America website has XXXX separate places where payments can be made. As a result, I mistakenly paid {$10000.00} XXXX on XXXX/XXXX/15. I attempted to fix this with BofA at that time but they told me they could not do anything about it. In the end, my credit union bounced the second {$10000.00} payment, which was reflected on the BofA website on XXXX XXXX ( along with a {$25.00} bounce fee, which I accept ). 
2. Throughout this period, the BofA website said that my payment due for XXXX/XXXX/15 was a NEGATIVE amount. Even after the {$10000.00} returned payment appeared on their website, the payment due never became a positive amount. In the end, I paid the {$34.00} indicated as the minimum payment on XXXX/XXXX/15. 
3. At which point, on XXXX/XXXX/15, I was charged {$53.00} for interest. On XXXX/XXXX/15, I was charged an additional {$87.00}. I expect to be charged further on XXXX/XXXX/15. 
4. I am attempting to pay the account down to XXXX to end these charges, but have not been able to do that yet. 
5. I ask that the interest charges be XXXX out. ( I will accept the {$25.00} charge for the initial check return, EVEN THOUGH this is due to the website indicating that I had not set up a payment when in fact I had. )
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was trying to activate my TV to be able to use XXXX XXXX Video but clicked on the wrong link which was made to look like the XXXX activation support web page, and was scammed by a man impersonating an XXXX tech manager who had two XXXX transactions processed from my BOA checking account. I contacted XXXX immediately and they confirmed it was a scam subsequently I called BOA immediately and spoke with a man named XXXX in XXXX, AZ who, even with pending transactions are indicating in my checking account, said the transfers could not be stopped. 

I never asked for XXXX feature to be added to my account, never have used XXXX in the past, and do not know how it works. My wife has transferred funds between her BOA account and our son 's and sister-in-law 's BOA accounts but never used XXXX either for the transactions. 

If I was able to immediately put a hold on the transactions so that when I did contact BOA they could verify it as a scam and subsequently delete the transactions before I lost the money. 

Bank of America denied my claim for a refund, saying I, the victim, was the one who authorized the transactions. Bank of America is one the the banks that own XXXX and I never requested go be linked to XXXX can I be included in the class action law suit indicated below? 

" XXXX, a peer-to-peer payment app, is under fire for enabling fraudulent transfers between customers and scammers. Theres an ongoing class action suit against Bank of America that claims the financial institution downplayed huge security risks of linking XXXX to one of its bank accounts. The Consumer Financial Protection Bureau ( CFPB ) is reportedly preparing new guidance that would require banks to reverse fraudulent transfers. ''
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (MA)

I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. 

I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MS)

My name is XXXX XXXX and I purchased a home in XXXX and was given a ARM mortgage with the XXXX when I complained about the Arm and requested a modification in XXXX the XXXX transferred my Mortgage to XXXX and I tried to contact XXXX but did not receive any response and the mortgage was transferred to a number of mortgage servicers when XXXX the mortgage was transferred to XXXX servicer and XXXX the mortgage was transferred to Ocwen Loan servicing Inc. I never knew who had my mortgage and no one communicated with me in reference to my mortgage and XXXX XXXX I received a letter from an Attorney XXXX stating that he represented Ocwen and that he had published in the local news paper notice of foreclosure I had not received any communication from Ocwen whatsoever the only communication from Ocwen was from this attorney XXXX i filed a cease and desist later in may and demanded any and all paperwork from Ocwen and any other group or company they sent some paperwork along with another letter informing me that they were still going forward with the foreclosure process and because I had no communication with Ocwen and because Ocwen did not contact me with any options and i believe that my loan was robo signed, and I was a victim of predatory lending practicing and denied any form of communication with any options failure to give proper notice and because Ocwen acted in bad faith violated the Fair Debt Collection Act and the Consent Decree in which they entered into with this very Agency for alleged misconduct in XXXX XXXX, XXXX filed a pro se complaint in XXXX XXXX XXXX XXXX XXXX asserting the fore mentioned violations bearing cause Number XXXX my email address is XXXXXXXXXXXX phone number XXXX,
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL (ID)

I submitted and FDCPA debt validation request to XXXX XXXX Credit Card, part of Synchrony bank for debt validation on the XXXX of XXXX XXXX. The request had a 30 day time window on it, and was completely ignored by XXXX. I submitted the second letter requesting debt validation to XXXX on XXXX of XXXX XXXX, and once again the request was willfully ignored. The first agent, XXXX whom I spoke to in their collections department was verbally abusive and hung up on me. The second agent I spoke to XXXX was as helpful as she could be but had no idea why they had n't responded to me, and sent me over to XXXX customer service department. The agent in customer service was obviously outsourced and had no idea in the slightest what FDCPA even is. I advised the last XXXX agents to please notate my account, and they told me that in addition to that, the calls are recorded. I understand that I need to report these violations to the proper Federal venues. Thank you.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to address a matter of utmost importance regarding the inaccurate and misleading information found on my credit report. This letter serves as my third attempt via CFPB to rectify the situation, as my previous correspondence did not yield a satisfactory resolution.
Consumer complaint received 2016-10-17
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Main Street Personal Finance (MI)

I owe XXXX to a payday company and the debt collector told XXXX of my family members that I owed money and that they would sue me for XXXX if I did n't get in touch with them.
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

In mid 2013 we reluctantly signed a deed in lieu of foreclosure with Seterus Mortgage. We had very poor Response from Seterus ... ..but having no other choice, we signed the paperwork. To this day, we have yet to receive our promised check and our Attorney advised us to get a response from Seterus before he decides to do anything further.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX took me to court over a debt that was dismissed with prejudice in my favor. The information was sent to the credit bureau and they refuse to remove it from my file as XXXX is still reporting it even though legally I am not obligated to pay the debt.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I worked for FEMA ; and I was told I owed them money for Health benefits that I asked to be stopped. When my tax return was processed the amount owed to the government was automatically deducted from the refund. A few weeks later I received a collection letter stating I owed additional money due to some charge 4 days after the payment was processed. It stated I owed one price ; and a {$9.00} plus a {$30.00} difference. I am not sure what the charge is for and why was it not taken when the balance was cleared? I can't call to speak with anyone ; only the collection agency.
Consumer complaint received 2022-08-09
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IL)

My city card AA get charged, some cheap cigars shops in Kentucky, I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with XXXX XXXX in XXXX I get charged {$3000.00}. XXXX some modeling agencies in California, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

Hi there I have been paying on this student loan ( it was taken out for my daughter ) .Original amount was {$91000.00} in 07, and now, I '' m owing more than the original loan amount ( {$94000.00} ). I have been paying on a consistent basis, but there were times it was in forbearance. It says that principle paid is {$54000.00}, but it doesn't seem like that since my balance is still XXXX. I called and spoke to a person, who after looking at the account said " that's what you owe ''. I don't understand how at this point it can be more than what the original balance was - I would like someone to look into this.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (MI)

I am writing to your company to please help me protect my rights under the " Fair Credit Reporting Act, 15 U.S.C. 1681 '' " FCRA '', " Fair Debt Collection Practices Act '' " FDCPA '', Fair and Accurate Credit Transactions Act or any & all other Acts that are enforced by the US Federal Trade Commission & or Consumer Financial Protection Bureau. 
I have written to inform both companies on XX/XX/2016 that XXXX XXXX XXXX , XXXX & SYNCB/SAMS CLUB are both reporting on the same debt for XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Original Account Number XXXX Sam 's Club Personal Credit Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX. I have been trying to work with XXXX XXXX XXXX , XXXX and now have found myself being stopped from working out any agreements with these companies do to a Attorneys Block on my account that have been put on my XXXX Account XXXX XXXX XXXX XXXX. I have spoken to XXXX XXXX XXXX on XX/XX/2016 a few times. 
I have been told that no one from this company can or will speak about this account do to attorney block being put on this account by XXXX XXXX XXXX. I have been told that the only way to be able to speak to anyone about this account is to send them a letter stating that I am/will not use attorney regarding this account. I have repeatedly told XXXX XXXX XXXX that I will not give up my right to have legal representation. I have repeatedly requested information in writing and have only received letters from this company asking for my attorney 's information or telling me that they have opened investigation. I have never received an answer regarding any of the question 's ask of them. 
I have asked for debt validation, Proof that this company owns said debt, Proof of actual debt amount, Please proved any legal documents of proof of debt that legally authorized this company to collect debt. 
I have given XXXX XXXX XXXX 30 days to hear back with answers to these question only to fine that XXXX XXXX XXXX has only put a attorney block on my account so that I may not resolve this contentious matter.
Consumer complaint received 2017-02-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc. (OH)

This is a hospital bill. Years ago the hospital put XXXX of my bills together and I have been paying on this bill. All of a sudden this added. bill appears.I have tried talking to them to no avail. When i contacted the hospital I was told they were not aware of this bill, and that I am not in arrears.
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

In 2008 I moved in to a basement apartment in XXXX, GA. When I called to set up the utilities with Georgia XXXX XXXX they put my name on both the upstairs dwelling and the basement apartment. I was only renting the basement apartment. I found out about this because I started getting bills for both units. I contacted Georgia XXXX XXXX to resolve the issue and they never corrected it. I contacted the owner of the dwelling multiple times. He only complained about how horrible the company is to work with and said he would see what he could do. When I moved XXXX months later I closed the account associated with my unit. The other account was not yet sorted out. I told the landlord about the issue and left it in his hands. Fast forward to the present. I have been working on improving my credit. I ran a report on myself to find that the bill is still unpaid and still in my name. Now a collections company is contacting me to collect the debt. The debt is not mine. It appears to be an error from the customer service representative who worked on setting up my account seven years ago. I am upset that a data entry error is now negatively impacting my credit.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hey I really think something is wrong here I recently checked my credit report and Im continuously seeing inaccurate and inconsistent information on this account and Im just requesting for you to please take some time to look into these inaccuracies please. I do understand stand that you have 30 days to reply I really look to hear from you
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!