davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two complaints already in with the CFPB stemming from the same issue, complaint nos. XXXX and XXXX. I have to open up a new complaint because the complaint portal won't allow me to add information. But, this is required. 

My new scores are as follow XXXX XX/XX/XXXX, XXXX from XXXX, operated by Capital One. I'm glad XXXX XXXX XXXX is one of previous parties on the first complaint, because I see credit inquiries on XX/XX/XXXX that from XX/XX/XXXX but I have absolutely no idea where it is originating from. 

Something needs to be about the sensitivity of these scores. I believe my score went down from the original reported of XXXX to XXXX for unjustified reasons. I've said this before to the CFPB, regardless of what reporting company I log into, I see that half of my credit inquiries aren't acknowledged or recognize. And this doesn't become an issue until one gets denied credit for that specific reason. And I am at that stage now. 

XXXX XXXX XX/XX/XXXX reported my credit limit over on five dollars, and it's probably done immediately prior to me making any payments. I make my monthly payments and have no knowledge that they did something. 

With the number of my open accounts and my billing routine, I can tell you that my credit usage is high but I most certainly shouldn't be categorized as poor or even a fair score. These credit cards marketing applications are not properly sourcing their reports, third party companies are running random credit inquiries, and furthermore, it could done predatorially. 

I find XX/XX/XXXX to be the least obtrusive credit reporting company, however they still go the extra mile and ask consumers to link their bank accounts. I am banking with XXXX XXXX and that connection between the two companies does not link easily and who knows what security might get breached as a result. 

Credit Reporting companies need to avoid particulars. I wouldn't have so many credit inquiries if these pre-approval offers weren't considered sales by networking professionals. 

My score is XXXX ... my inner conscience tells me this. And isn't that what we are really struggling with, conscience.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 

2. On XX/XX/XXXX, I received an email from XXXX  XXXX  that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 

3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 

4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 

6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 

8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 

9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB.
Consumer complaint received 2023-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services is attempting to collect an erroneous debt issued to them by XXXX XXXX. I have two insurance plans and XXXX XXXX has not billed either and sent it to Credit Collection Services. Credit Collection Services has failed to follow the law after being informed that the debt is not mine. They refuse to contact the original billing company for guidance on the bill. The total amount of this erroneous bill is {$1800.00}
Consumer complaint received 2021-08-18
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

OnXX/XX/XXXXFay Servicing Loss Draft Dept received my package concerning a damage loss at a rental home that I own, XXXX XXXX XXXX XXXX, Fl XXXX This package contained two checks from my insurance company made payable to me and Fay Servicing. I enclosed their completed paperwork, that they requested. I have already paid to repair the home out of my pocket so my tenant would be able to live in the home This happened in XXXX. To date,XX/XX/XXXX, I have not received my insurance money back from Fay Servicing. I have not been contacted by their inspector to verify that the work was completed. I have called every day to their customer service dept and have gotten no help from them. This is totally wrong I am the one who suffered the loss, I am the one who pays the insurance premiums, and they are holding my money. Please help me get my insurance money sent the me.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (TX)

Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXX XXXX on behalf of XXXX XXXX. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX  on behalf of their client XXXX XXXX `` saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (SC)

This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was paid off in full.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a capital one card that has XXXX on it i believe is the limit for some reason it is not showing up on my XXXX XXXX. it always did before. I just want my age of credit and my age to not be effected. unsure as to why it is not showing maybe XXXX XXXX is fixing something. I did speak to capital one they said everything was good. So what I am asking for is that my information on this card be resent to all credit company reporting agencies. This is as of XX/XX/2020
Consumer complaint received 2020-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (HI)

Called SLS numerous times : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The tel. no. on their statement : XXXX ( no one EVER answers this tel. no. ), was transferred to : XXXX no one answers this no. either! UNABLE TO REACH A REP. SLS called me back on XXXX on XX/XX/XXXX and was disconnected twice! Unable to get confirmation from SLS that my automatic payments ( {$1200.00} ) deducted from my checking acct. have been cancelled. SLS continues to do automatic withdrawals, even though I have requested for a COVID-19 forbearance onXX/XX/XXXX at XXXX XXXX  ( Hi time ). Need my current funds for FOOD and SHELTER. SLS continues automatic withdrawals from my bank acct. Every time I call SLS, a robot informs me to continue making my monthly mortgage payments! PLEASE HELP! This company is unwilling to help customers in need. They do not have anyone answering phone calls at : XXXX XXXX XXXX XXXX. Their customer service DOES NOT exist. How can a legal operation stay in business without telephone service for their customers? Do not use this company if you do not own a computer! DO NOT USE THIS BANK! Very frustrating to get ANY type of information on the phone. YOU HAVE TO USE YOUR COMPUTER! They do not answer the telephone, ever! You always get the same recording : " due to high call volume we are experiencing a long wait time ... ... ... .. '' No one will come on the phone after that. I don't think they are a legitimate bank at all. I inherited SLS, originally I had a different bank. Never heard of SLS until now. What a SCAM! Attached is the permit for my " legal BED & Breakfast ''. ALL BOOKINGS were cancelled for XXXX, XXXX, XXXX and XX/XX/XXXX. Over {$160000.00} LOSS OF INCOME. This does not include an additional {$55000.00} in cancellations from XXXX to XX/XX/XXXX, due to Mayor XXXX XXXX 's Stay At Home Order, to cease all vacation rental operations. Go to : XXXX XXXX XXXX for confirmation of ORDER. You can call the XXXX for rules regarding short term rentals : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. Hawaii is in the mist of a financial crisis due to no more tourists allowed in Hi without a 14 day quarantine!
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NC)

Chase Receivables has ignored my continued requests for validation for an alleged debt in the amount of {$230.00}. On XXXX separate occasions I asked them for this validation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I sent certified return receipt letters ask for this validation that were verified as having been received. I have yet to get any response from anyone from this organization. Furthermore, upon receipt of my letters Chase Receivables did not mark my credit report as " disputed '' pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Closing disclosure revised a day before the closing and did not notified me or no one tried to communicate about the loan coasts increased. after reviewing the closing disclosure at the closing table called Chase immediately to speak about it and agent took details and told me someone will call me back, no one has reached me and Closing agent waited for 40 mins and left. sent an email to the team about the loan costs differences, next day around XXXX XXXX  agent responded said someone will call me, after few follow ups Manager called me around XXXXXXXX XXXX and took details, told if its a chase service fault he will adjust the rate extension fee, but later the loan adviser told they can not adjust the rate extension and asked me to pay for it. 

it caused lot of stress and they increased loan costs without notifying and keep adding more fee to loan coasts, and when I ask then they said its a time rush but not responded in timely manner when it close to closing. 

because of their unfair business process I lost the opportunity to get the loan at the interest rate I was locked and stopped the process, also lost my XXXX XXXX  fund of {$500.00}, XXXX XXXX XXXX
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated (FL)

I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.
Consumer complaint received 2020-10-27
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: USCB, Inc. (CO)

A collection account for {$1300.00} appeared on my XX/XX/XXXX and XX/XX/XXXX credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, Revsolve. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and XX/XX/XXXX who both ruled the collection account was valid. I have received no information from XX/XX/XXXX, XX/XX/XXXX or Revsolve as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at XXXX point valid, it has been illegally re-aged on my credit report.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MA)

I was charged multiple times by XXXX XXXX for flights I did not take. The transactions took place on XX/XX/22 for {$160.00}, XX/XX/22 for {$24.00}, XX/XX/22 for {$160.00}, XX/XX/22 for {$24.00}, XXXX for {$160.00}, XX/XX/22 for {$160.00} totaling {$710.00}. I disputed every single one of these charges a total of three times between XXXX and now. I submitted over 10 pieces of documentation that these charges were not mine and I immediately tried to cancel them. I can even show proof of my location to show I was not traveling. Discover repeatedly sided with XXXX on these charges even after I sent proof and spoke to them multiple times over the phone.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.A.Rogers, Inc. (PA)

Hi my name is XXXX XXXX I paid off an account that was in collection over a month ago. Ra Rogers ( XXXX XXXX ). This account is not coming off of my credit report. It is still showing a balance of {$470.00}. I disputed this transaction with an attachment from ra Roger showing this has been paid. The dispute was denied stating the information reported is correct. I would like this to be fixed
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX & XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. The XXXX XXXX 7. XXXX  XXXX 8. XXXX  XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

They never called or reach out to me, I also had disputed because the chargers is no accurate. They didnt even ask how much I wanted to pay to Settled they went right on my credit report to add the charges. During this pandemic I never received ved anything I turn in the phones with XXXX 2 XXXX XXXX thru the mail. I only owe them {$870.00}. Only had 1.5 month of the contract left they was charging me {$450.00} dollars a month couldnt afford that payment any more was trying to buy out the phones they kept adding more charges to keep me with them making it harder to own the phones that we only had 2 months left to pay on them all these extras they was trying to add phone reps tell u its this month than u call back to pay it they added more money
Consumer complaint received 2019-05-31
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a bank of america credit card holder for almost 7 years. In 7 years i have been late for TWO MONTHS, and they were back to back, and they were due to life threatening circumstances, and Bank of America could care less. In XXXX of 2021, i got a life threatening case of the XXXX XXXX virus. It was actually my SECOND time. Recovered thankfully but i was out of work for a month. When i got back to work, my company cut my pay by 20 %. I was unable to pay my Bank of America credit card on time for two months, first time in 7 years and i have been perfect since then. I was unable to pay a lot of things at that point but other companies have worked with me and i have since caught up on everything and everyone is taken care of. Bank of America told me, harshly, in the letter i will attach, pretty much tough XXXX, its my fault and even though we got our money, you will suffer. Well i am suffering. I am trying to purchase a home for me and my wife and my XXXX kids, and these two late payments are crippling my chances. I am begging for mercy. I am asking that bank of america removes these two late payments as mercy. Me and my family would be forever grateful.
Consumer complaint received 2022-08-13
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. (TN)

I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-13
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. (TN)

I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions.