davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I was a victim of fraud on my Bank of America EDD prepaid card. I received a text message from what I believed was BOA and signed in with the link provided. The following day XXXX XX/XX/XXXX ), they were able to transfer about {$4200.00} dollars from my account into their checking account. I have opened an ACH claim with them and want to make sure i received the money back that was stolen from me.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I contacted Citizens One Home Loans and spoke with a woman with the initials XXXX, on or around XX/XX/XXXX and requested the removal of my PMI. I received a letter dated XX/XX/XXXX the letter contained instructions on how to authorize and remove the PMI on my conventional mortgage loan. One of the requirements listed within the letter was ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I spoke with XXXX  again on XX/XX/XXXX, I asked her If my loan is currently suspended/forbearance will it affect the outcome of my request? She assured me, being on a suspension/forbearance puts my account on hold, the payments are not past due and will not be an issue as long as the BPO comes back at {$230000.00} or higher. Having been given this information, I mailed a written request along with check number XXXX in the amount of {$100.00} to Citizens One Home Loans. Check number XXXX was cashed on XX/XX/XXXX. I was contacted by real estate broker XXXX XXXX on XX/XX/XXXX, the inspection of my property was conducted on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating We have determined that the requirement ( s ) for cancellation have not been met due to the below marked item ( s ). reason being The requirements are ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I contacted Citizens One Home Loans on XX/XX/XXXX, and confirmed the deferral of payments, and also made the XXXX payment, I also requested to speak with XXXX. I was told a request had been sent to her, and she will get back to me within 24-48 hours. I never receive a return call. I left a message for XXXX XXXX in the Office of the Chairman on XX/XX/XXXX, her voice mail informs callers a call will be returned within 24-48 hours, I never received a return call from her. 
Per XXXX XXXX COVID Ref Guide ref pg 15 Borrower-Requested Cancellation of Borrower-Paid Mortgage Insurance, Mortgages restored to current status under the COVID-19 payment Deferral, the borrower must make 3 consecutive payments following the settlement of the COVID19 Payment Deferral to meet this qualification requirement.

I called Citizens One Home loans today and was told the BPO will only be good for 90 days and will expire before my qualifications have been met. I did request a refund today and was on hold for almost an hour, with nothing resolved.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

Submitted an application to add my husband to my account as a designated joint owner because he is XXXX and have provided me with a durable power of attorney. I wanted too change an account and add his deposits to my account because his bank is in North Carolina. This would make it easier for me to manage the funds because the bank in NC only have branches in NC, OK, DE and other states not close to Virginia. The Power of Attorney was on file and has been used in the past, but not too add him to my account. According to Navy Federal 's website : Joint ownership is not the same as Navy Federal membership. Federal regulations permit anyone to be designated a joint owner ; but permit only those within Navy Federal Credit Union 's " field of membership '' to become members. Therefore, joint owners are not automatically Navy Federal members, and they may not vote, obtain loans or hold office unless they are also members. A joint owner is entitled to purchase and withdraw shares with or without the member 's consent and, if designated joint owner " with right of survivorship, '' would be entitled to the share balance at the time of the members death. The joint owner may also request information regarding the account at any time and authorize the transfer of any funds in the share account. I was not provided with an attorney to read the POA but XXXX who said she was not an attorney or a paralegal. She denied my request and told me she was the supervisor. I would have to write to the Office of General Counsel. The POA is valid and gives me the authority to handle financials transactions broadly from banking to real estate and other issues. I am concerned an administrative person was handling legal matters and our access to due process was inhibited without having an attorney to even review the POA before making the denial to add my husband to my account. Additionally, my husband is incapacitated and can not sign any documents but if he was able to go into the credit union and sign the transaction would have been granted. Therefore, be cause he is XXXX a simple request was denied.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish and account without my written instructions
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (NC)

XXXX XXXX aka Direct Recovery Services calls my phone back to back to back if I do not answer. I was at work and they called 3 times within 5 minutes. I called the number back and a rude male begin yelling at me and when I told him not to call me back to back he threatened to sue me for a XXXX XXXX XXXX debt. I hung up on him and he calls me right back from another number. I attached the screenshot on the XX/XX/XXXX. This happens daily the back to back calls. So today XX/XX/XXXX they called 3 times between the hours of XXXX-XXXX I finally answer and advised the guy by the name of XXXX XXXX not to call me back to back and I advised him how many times they have called today he brushed off the fact that they are doing this. They constantly call from different numbers. So my XXXX year old daughter who is a XXXX XXXX XXXX and work part time come home from work and advised me that they have been calling her as well. I have printed out the screenshot of the calls for us both. They are harassing me over a debt I don't even owe. This can not be legal.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCD Financial, LLC (CA)

I tried reaching out to the furnished to remove late payments because they are hurting my credit and I received no reply. Furthermore, I reached out to the credit bureau ( XXXX ) to just delete the profile from my credit since the furnished refuses and the credit bureau refuses. There is no balance owed on the account. Account is paid in full.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

On XX/XX/2017 I prepaid my property taxes in the amount of {$5500.00}. I promptly called SLS the same day, spoke with a rep who asked me to upload a copy of the receipt I received as proof of payment. The same rep acknowledged receipt of the proof of payment while I was on the phone and said within 7 days I should get a call back. 

Shortly after the XX/XX/XXXX, I called XXXX back and was told an escrow analysis will be conducted and I should get a check in the mail in about three weeks for the escrow balance. 

I called SLS again on XX/XX/XXXX and spoke with XXXX, teller ID # XXXX, on a recorded line, who confirmed all the above facts ( I asked him to walk through the details purposely to ensure the facts were clear ). XXXX could not advise why the escrow analysis was not done, why no check was sent to me, and asked I give him until close of business XXXX for a return phone call before filing a complaint with the CFPB. I received no such phone call from SLS. 

All calls with SLS are on a recorded line, and after multiple attempts at trying to resolve this with SLS, the CFPB is my only recourse here. SLS has a pattern and practice of mortgage servicing weaknesses, I have to had to file a previous complaint concerning improper withholding of PMI. Thanks in advance for your help.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on HSBC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-03-02
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. (OH)

I recently went to a car dealership and was unaware that I had 19 hard inquiries on my credit report until the salesman notified me. This was shocking and upsetting to me and I have been trying to resolve this for quite some time. These are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carter Business Service, Inc. (VA)

Good Afternoon, I received a letter from Carter Business Service , Inc. attempting to collect on a medical debt from 2015. This debt is time-barred under Massachusetts law XXXX M.G.L. c. 260, sec. 2 clearly states that " [ a ] ctions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues. '' However, the letter clearly threatens to take legal action against me in violation of the Bureau 's Regulation F, 12 C.F.R. 1006.26 ( b ), which states that a " debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. '' The letter, in relevant part, reads " [ w ] e regret that our client may need to take further action to protect their interests! Should you prefer to avoid this action and make arrangements, please contact us today. '' Moreover, the letter does not disclose, in any way, that the debt is time-barred. I had to do a XXXX search to figure out whether the debt collector could still collect on the debt- which they can not. This failure to disclose that the debt is time-barred is a deceptive practice under the Consumer Financial Protection Act ( " CFPA '' ) as outlined in numerous CFPB enforcement and consent orders against debt collectors dealing with time-barred debt. 

The letter is also materially misleading. It claims that I owe {$750.00} in one place but the payoff amount is {$900.00}. It is unclear which amount I actually owe.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. Experian XXXX. XXXX XXXX. XXXX
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

I received a phone call twice from XXXX ( XXXX ) XXXX ( XXXX, NC ) I answer the call assuming it was spam. The caller told me he is from chase bank calling to confirm suspicious activity on my account. He states that there is a {$900.00} charge on my account reported in XXXX. He asked me if this was indeed not me who made this purchase. 
In XXXX I received a slew of text messages with a similar ordeal. I do not know how they have my phone number, Im not sure if they know anymore info about me other than my phone number. I do not want to receive these calls anymore.
Consumer complaint received 2023-01-18
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. (TN)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help me.
Consumer complaint received 2021-11-09
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

The 3 Credit Bureaus are reporting inaccurate information on NORDSTM/TD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. This is illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent XXXX dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kenneth, Eisen & Associates, LTD. (AZ)

I recently obtained a copy of my credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a XXXX office. I was under XXXX at the time the account was allegedly opened with the creditor. I was never given any bill, notice, or opportunity to see why any bill was given. I also was covered under my mother XXXX XXXX medical insurance. 
This should not appear on my credit nor am I responsible for anything that they claim is owed.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I was contacted by Midland Credit Management about a debt their company was attempting to collect. I sent them a " Method Of Verification '' letter and they never sent over any documentation to connect me to the alleged debt. The collection account in question, was reporting to all three Credit Bureaus, I was able to dispute the account, which resulted in the collection account being removed from my XXXX XXXX and XXXX credit reports but it is still showing up on my XXXX credit report and the company has repeatedly sent " Debt Collection '' pamphlets and tried to contact my via phone after proper hours. I have tried to contact Midland Credit Management on several occasions to settle this matter, but I only receive additional collection letters. Can someone please assist me in correcting this issue?
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )