davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OR)

Nationwide Credit , Inc. send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, XXXX XXXX was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with XXXX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized XXXX XXXX to withdrawal monies form my bank account and they established this. 
4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (WA)

I was applying for a home loan and found out that I had a debt with " MRS Associates '' that was in collections. I did not recognized this debt. I contact them to find out about it and they said it came from XXXX XXXX. Even though I knew and communicated with them that I had already closed my account with XXXX XXXX  due to relocation, I didn't have supporting documents so I decided to pay the amount they claimed I owed as I needed that report removed from my account to be able to get my home loan approved. That was back in XX/XX/2020. I filled out a dispute so the report was removed from my credit report which they did. Now, I am trying again to get a home loan and the loan company is asking me for a letter where states that this account was paid and deleted, but when I reached out to MRS associates they wont provide me with any information. No statement, no letter, nothing. I am stuck right now because the loan will be approved with higher rates due to this report and MRS is not giving me options. I don't know where or who to contact anymore. I have reached out to different phone numbers and they cant help me. The last associate I spoke to " XXXX '' was horrible and wouldn't give me any options
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MA)

US Bank plans to sell our house at auction on XX/XX/XXXX and refuses to communicate with me, stating that I am not on the mortgage. The address of our home is XXXX XXXX XXXX, XXXX, MA, XXXX. 
How can US Bank foreclose on me if I am not on the mortgage? I am on the deed and the downpayment was mine. Our original mortgage was with XXXX. My husband and I are in divorce court in XXXX - my husband, XXXX XXXX, refuses to sign the divorce papers or to pay the note and he alone is responsible. XXXX XXXX defaulted on his mortgage in 2017. 

My prior Attorney, XXXX XXXX, refused to file a motion to help me, despite my having paid him a substantial amount to stop this foreclosure. Attorney XXXX XXXX is advising my husband, XXXX XXXX. I believe that this is a case of fraud.
Consumer complaint received 2024-02-02
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report MUNCPL XXXX  XXXX XXXX Balance : {$270.00}
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XXXX XX/XX/2019, my credit card was declined. I called USAA, my financial institution, with which I have just over {$23000.00} in accounts. I was informed by a customer service member on the phone that my credit card was closed on XXXX XX/XX/2019 and that all of my deposit accounts would also close within 30 days. She stated there were five reasons for these decisions 1 ) Fraud 2 ) Identity Theft 3 ) Legal Action 4 ) Aggressive or abusive behavior 5 ) Continuous banking issues. I explained that I had none of these, and she agreed she could find no reason on my account. After 1.5 hours I was told they would elevate this to the office of the CEO, and I would hear back in two days. I waited until the end of the business day on XXXX XX/XX/XXXX and called USAA back. I was transferred to the office of the CEO and spoke with a gentlemen who explained that he would open an investigation and I would hear something in 24-48 hours. On the morning of XXXX XX/XX/2019 I received an email from USAA with the name of the individual who would be handling my investigation, and it stated I would hear from her within two business days. I had not heard anything by XXXX XX/XX/2019, so I called back and left a message with this individual. On morning of XXXX XX/XX/2019, I still had not heard anything so I called and left a second message. By the afternoon of XXXX XXXX I called back and was informed that the individual I needed to reach was in a meeting, and an official correspondence would be created for her to reach out to me. On XXXX XX/XX/2019 I came home to a letter in the mail dated XXXX XX/XX/2019 from USAA telling me that they had exercised their right to close my account without reason and that it would be their final reply on the matter. This creates undue hardship for an upstanding military member with good credit, and none of the five disqualifying factors. I have received no explanation, and am now forced to correct their error by finding a new place for all of my accounts. Additionally, they closed my longest line of credit with them which in turn hurts my credit.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

When I made my XX/XX/XXXXpayment the loan balance reflected was {$1400.00}. When I logged on to make my XX/XX/XXXXpayment ; it is now reflecting my loan balance is {$1500.00}. I called the customer service line and spoke with a representative on XX/XX/XXXX. The representative said the interest is compounded daily therefore your balance will be higher. I asked for a statement showing all my payments I have made and reflecting how much each payment went to principal and interest. She advised me she can not provide that because it company policy.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX  said that I was denied by them but PRE APPROVED with XXXX XXXX and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX has they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX Citi Thank You Points. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX Citi Thank You Points. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I have met the terms of the promotion from my side and would appreciate the points to be deposited in my account.
Consumer complaint received 2019-08-13
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. (VA)

Equifax Mortgage Service is incorrectly reporting I'm in collections with 2 credit card companies XXXX XXXX and XXXX XXXX. My own reports show both accounts have been closed since XXXX XX/XX/XXXX. XXXX XXXX effective XX/XX/XXXX closed the account with a XXXX Balance. Today XX/XX/XXXX XXXX XXXX reported the account has been removed from my credit report. XXXX XXXX has added remarks to my report indicating the account is closed and not in collections. I'm attaching information from all 3 credit agencies which verify my above statements.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mnet Financial Inc (TX)

A medical bill collection company will not update my credit bureau report with accurate information for my account. 

The company in question is : MNET Financial INC, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX This was a collection account for a hospital medical bill. 

This account was paid in full in XX/XX/2018. 

Since paying off this account, I have called the company numerous times in XXXX, XXXX, and XX/XX/2018 I have spoken directly to XXXX, XXXX, and XXXX. 

I have also written to the company to request that my credit bureau entry be updated to a XXXX balance and the account be marked closed. 

When I call and talk to them, each person I talk to will pull up my account and will acknowledge that the account has been paid in full and claim that they will take the appropriate action to update the credit report within a 30 day time period. 

Yet, the result of each of these inquires has resulted in them taking no action to update my credit report with the correct information. 

The original account amount was {$1600.00}. I paid the balance to {$0.00} in XX/XX/2018, Yet they still show that I owe {$390.00} on XXXX Credit report. 

I have contacted XXXX, via certified mail, and added a dispute to the entry through XXXX customer service. 

The action I am seeking is for them to properly update the credit bureau entry to a XXXX balance and to show the account paid in full and closed.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (MI)

I sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing
Consumer complaint received 2019-08-13
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. (WV)

RE : Experian Freeze/Thaw is supposed to be simple and secure. Experian 's online system forced me to snail mail to request to thaw. That does me NO good, as I need the temporary thaw tomorrow, XXXX. So, my Experian account will remain frozen in perpetuity, whether you or they fix the problem or not.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 2019-08-13
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. (NV)

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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  ),
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (AZ)

Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. 

On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. 

They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. 

This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
Consumer complaint received 2021-07-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX T Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-07-05
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. (FL)

Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions
Consumer complaint received 2020-07-06
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. (OH)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Consumer complaint received 2019-08-13
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. (CA)

Equifax conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 ( see attached ). In the investigation results it shows items listed below : XXXXl - XXXX - Verified as belonging to me XXXX XXXX - XXXX - Verified as belonging to me XXXX XXXX  XXXX XXXX - Verified as belonging to me XXXX XXXX XXXX XXXX XXXX XXXX Verified as belonging to me XXXX XXXX  - XXXX - Verified as belonging to me I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Equifax to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified.I then sent a Method of Verification letter on XX/XX/2019 to Equifax exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and  telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from Equifax today stating I had no claim on file. I have attached all documentation backing up my claim for your review CFPB.Please make sure the credit bureau obeys the laws of its consumers and not continue to destroy the credit of the innocent. I would like the items to be investigated properly and provided the proof I requested or for the items to be removed immediately from my credit report. If they fail to obey the law properly I will exercise my rights to sue and win for every violation committed under the FCRA. Please see attached files for details.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/22 I had {$2600.00} in my joint Chase Sapphire checking account. On XX/XX/22 I made a mobile deposit in amount {$7600.00}. The check is from my wifes XXXX XXXX account which has sufficient funds. We make similar deposits to our joint Chase checking account several times per year so I can pay off credit card balances from and never before had a problem. 
Today ( XXXX ) received email notice from Chase that our checking account is overdrawn by {$4700.00} and that there is a 2 week hold on our {$7600.00} deposit. Also, our {$2600.00} has disappeared. 
We did issue any checks or make any withdrawals nor did we authorize any other persons to do so. 
We have been Chase customers for more than a decade. Thank The burdensome hold and removal of checking funds is causing monetary penalties on other financial obligations. 
This Chase banking practice of overly long deposit holds ( weeks ), false overdrafts and theft of our unencumbered prior balance of {$2600.00} is unfair, egregious and is being reported to CFPB, FTC, XXXX  and published to social media platforms. Please assist.