davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have a collection account from XXXX XXXX XXXX XXXX on all three of my credit reports in the amount of {$17000.00}. XXXX XXXX XXXX XXXX is failing to properly validate this debt. I originally disputed the account thru XXXX XXXX XXXX and the collection agency sent me a letter on XX/XX/XXXX saying they closed the investigation and attached a credit card statement, which ( in their words ) established its validity. On XX/XX/XXXX I once sent a certified letter of validation and asked they provide me with the contract bearing my signature from the original creditor that i have a legal obligation to pay them. I also asked what method of verification they gave the credit bureaus regarding the accuracy of the account.. On XX/XX/XXXX they once again sent me a letter stating they have completed their investigation of my dispute, attached credit card statements which ( in their words ) established its validity. They sent me the same letter on XX/XX/XXXX with same credit card statements. On XX/XX/XXXX they sent a letter that they have reviewed my dispute and their records indicate they have already responded to a previous dispute that is the same as my present dispute and because of my dispute alleges no new facts an includes no new information they will not be conducting another investigation if they receive subsequent correspondence from me regarding a dispute that has already been resolved. Their office considers this matter closed.
Consumer complaint received 2020-01-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened a CD on XX/XX/2019. I was told that they would notify me before the CD matured either by phone, mail or e-mail. I received nothing from them. When I went to the bank to find out the maturity date, they told me it was already matured and renewed. They renewed it for almost nothing 0.001 % for one year. Nobody in their right mind would renew a CD for that kind of return. I believe this is an intentional practice by this bank, taking advantage of people especially the elderly.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FCI Lender Services Inc. (CA)

We had a Mortgage company we had never heard of FCI and told us they were foreclosing on our house of 14 years we called and found out they had bought our second from a Company we believe had closed down in the Mortgage crisis 10 years ago. They told us they would remodify with a down payment. I told them I would be able to give them XXXX dollars at that time the said they would remodify loan down 1 percent to XXXX. My father got sick and I could only come up with XXXX so they told me they wouldn't bring interest rate down. I paid the XXXX and right after made a XXXX dollar payment. They also told me that if I didn't make payments through their Automatic payment site it would cost me XXXX. I feel this is a predatory lending Co that needs to be held accountable and the government needs to know what is going on. I had to sell my home because they wouldn't help with a better remodifocation.
Consumer complaint received 2018-02-03
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. (OH)

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

I was previously in foreclosure proceedings in XXXX County Supreme Court, where I was represented by XXXX XXXX XXXX under Index No. XXXX. After negotiating with my bank, I received and executed a loan modification on XX/XX/2013. My lender was represented by a law firm called XXXX XXXX XXXX. On XX/XX/2013, all parties in the foreclosure case agreed by stipulation to discontinue the case because my loan had been modified. We filed the stipulation to discontinue with the clerk of the Court in XXXX County. On XX/XX/2013, we appeared in court to confirm that the matter was being discontinued, which in fact it was. 

I then proceeded to begin paying on my modified loan. However, I recently noticed that a charge for {$1700.00} began appearing on my monthly mortgage statements. Through XXXX XXXX XXXX, I sent an XXXX to my loan servicer seeking an explanation. They told me the charge was due to legal fees accrued by XXXX XXXX XXXX, and attached an invoice stating that the charges derived from a " bad faith Court directed hearing '' on XX/XX/2013, and covered correspondence, preparation of a witness, and an attorney 's appearance. However, there was no such hearing, as all parties had signed a stipulation to discontinue the case as of XX/XX/2013. XXXX issued an invoice for services it never rendered for a case that had already been discontinued without a " bad faith hearing. '' The XXXX firm has been targeted by federal law enforcement for systematically overbilling XXXX and XXXX lenders for foreclosure-related expenses, and my loan is a XXXX XXXX loan . The fact that my lender is now trying to pass off these fraudulent bills onto my account shows that this practice continues to harm borrowers like myself, and I want this charge removed from my mortgage loan.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (OR)

I went to purchase a new vehicle and to my surprise I had a debt on my credit report that I was not aware of and had never heard company. The company is National Credit Systems for {$6600.00}, says original creditor is XXXX XXXX, it was reported on XX/XX/20.
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-26
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: LEXISNEXIS (OH)

I XXXX XXXX XXXX 's privacy has been continuously violated. LEXISNEXIS has lied to me about verifying information that can not be verified. LEXISNEXIS did not conduct an investigation of consumers dispute pursuant to 15 USC 1681 ( a ) ( e ). [ The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ]. Who was questioned about consumers " GENERAL REPUTATION, PERSONAL CHARACTERISTICS. what neighbors where interviewed? LEXISNEXIS is lying and knowingly and willingly violating consumers federally protected rights.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In 2006 I purchased real property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. I have been making payments to XXXX ( XXXX ) and SPS ( Select Portfolio Servicing, Inc account number # XXXX ) and paying taxes via SPS escrow account with no late payments. I contacted XXXX XXXX tax accessors office and my name is not listed on tax bill, nor have I received any tax bills. Apparently when taxes are paid it does not reflect who is paying the bill, only that the bill is paid. The only reason, that I am aware of the situation, is because I wanted to place the property into a trust account. According to accessors office, the mortgage company should have filed the deed with the county accessors office, showing my name, so it would reflect on tax bills. I was informed by accessors office, that the ball was dropped somewhere, because there should be a deed on file reflecting my name, and I was informed to reach out to mortgage company. Therefore, I reached out to XXXX and SPS, whom I pay for my loans XXXX and XXXX with No Preval. I have been getting the run around from XXXX and SPS with getting to the bottom of this is. XXXX and SPS blames each other and no one is taking accountability. There appears to be poor communication, or a lack of responsiveness. Please help.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX and I made a report before ( refer to report number XXXX ). After I made that report, I received a phone call from Wells Fargo representative told me that their fraud department will handle this case and they will close my complaint from the CFPB. They gave me a phone number in order to check the status of my case and I checked the status of my case weekly. Once per week I called with different agents to check the progress and the answer is always its still in progress and I need to wait. Every week I call and I do understand that its take time because its international wire transfer. On XX/XX/XXXX I checked my mailbox and I got a letter from the claim assistance center ( dated on XX/XX/XXXX ) mentioned that my case is closed because the recepient banks refused to return my money. I was so shock and worried so I called the fraud department again and the agent who answered my call said not to worried because its still in progress and I could ignored the letter. I was so worried and he assured me that my complaint is still open and I could ignore the letter. Today, XX/XX/XXXX I called and they told me the last update was on the XXXX and they kept transfering me 4 times and finally the claim department told me that they sent me a letter to inform me that my case is closed as per XX/XX/XXXX! She told me that since I authorized the transfer that they couldnt help me to get my money back. But if you think, i lf i dont authorized the transfer, that means Im not scammed and there is no reason for me to make this fraud report, dont you think so? I admitted I made the mistakes because I got scammed and I reported to you to seek for your help. But when you told me there is nothing you can do because i authorized the transfer is not make sense, i am a victim ( a fraud victim ) since i authorized the transfer. She even told me that i should confirm the amount before I authorized the transfer. I think she needs to learn the meaning of being a victim fraud. I did check the amount, not only when i did the wire transfer but even when i did XXXX I checked the amount, but the problem is not that I didnt check the amount. The problem is i was scammed therefore I made those transaction. I am writing this report again because i am soooooo desperate, please help me, help me and let me know what should i do in order to get my money back. Please please please help me. I am willing to send all of the photos proof that I got scammed if you need it. Please kindly review my report and please kindly help me!
Consumer complaint received 2024-02-27
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-29
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. (SC)

Have contacted them about wrong information on my credit report. The items are showing all different with the credit limit, past due amounts and days late before charge offs.
Consumer complaint received 2021-10-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have contacted Bank of America 7 times and have been lied to every time! 
I WANT MY ATM AUTHORIZATION TURNED ON! 
It is turned off - set to decline transactions if theres not enough funds to pay. 
I HAVE CONTACTED THE BANK AND EVERY TIME IM LIED TO!!
Consumer complaint received 2019-03-14
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: EQUIFAX, INC. (PA)

there are too many dates to list but i have on multiple occasions contacted XXXX reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet XXXX seems to willfully non comply
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MD)

In XXXX XXXX, I closed an account held with Barclays Bank, XXXX XXXX XXXX and paid it in full in the amount of {$1200.00}, in order to open another account with the same company that had better rewards benefits. This was done on the recommendation of a XXXX employee. Barclays later misapplied the payment to the new account, leaving a balance on the old account. The payment was transferred between accounts numerous times. In XXXX XXXX, the transfer by XXXX also created a charge in one of the accounts -- it was taken into a debt status rather than simply being returned to a XXXX balance. I paid for all purchases on both accounts. I have provided proof of these payments to Barclays not once, but twice. But, the payment of {$1200.00} is not being credited correctly, and each month interest charges and late fees accrued on both accounts. The balance is now some {$22.00} on one account and over {$1400.00} in the other. I owe the credit card company no money. Over the course of these transfers, I have at least nine times complained to customer service representatives and in writing to Payment Research. They send back form letters that the complaint is resolved, yet all that has happened is the payment has been moved to the other account and the false charge placed on the account by Barclays in XXXX has not been removed. I have excellent credit and do not want this event to negatively impact it at all. Barclays has placed an impossible burden on me to resolve a mistake it introduced. Please help.
Consumer complaint received 2022-11-16
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. (TX)

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (NE)

Car was stolen and then found car was totaled by my insurance but I retained the car I then paid off the never ending loan with very high rate. Car was paid off XX/XX/2017 And I have still not got the title. I have spent many times on hold trying to get the title they always say it is getting sent out but I never receive it. I feel this loan was a predatory loan because the principal would never go down.
Consumer complaint received 2020-12-02
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. (TX)

I do not recognize three of the hard credit inquiries on my report. These are XXXX XXXX via XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX from XX/XX/XXXX, and XXXX XXXX XXXX from XX/XX/XXXX. 

I also reported an account on my report titled XXXX XXXX XXXX XXXX # XXXX '. This is not my account, and I am not responsible for it. 

I sent a letter to TransUnion to request the removal of the incorrect inquiries off my report. They failed to respond within the 30 day time-frame allowed under the FCRA. TransUnion is now in breach of the law by continuing to report the aforementioned derogatory information on my credit report.
Consumer complaint received 2018-03-02
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: Convergent Resources, Inc. (TX)

I received an alert that an item ( that I have no knowledge of in the first place ) from XXXX XXXX had been removed from my credit report on or around XX/XX/XXXX. I was told that there was a glitch in the system. I thought maybe the glitch was in my favor being that I do not have knowledge of this account. On Sunday, XX/XX/XXXX, I received another alert that it had been added back to my reports. I did not receive written notice from either the collection agency or CRA 's that this item would be reinserted back on my credit file. New, validated proof of the debt was not provided either. This reinsertion is a clear violation of the Fair Credit Reporting Act. This reinsertion has also caused a decline in my credit score and I am very unhappy. Due to this violation of my rights, I am requesting that this item be removed  from my XXXX and XXXX reports permanently and immediately and that it not be placed on my XX/XX/XXXX report.