davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with 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
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$1500.00} XXXX XXXX XXXX  XXXX / {$1400.00} XXXX XXXX XXXX / {$0.00}
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

wellsfargo has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with   XXXX   and the company  XXXX  has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also   XXXX   i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

A collection was opened XXXX XXXX 2016 by XXXX XXXX Clinic given to me in State collections for my credit report. This account is wrong. I had medical insurance at the time and still have medical insurance. I am a XXXX XXXX who barely makes enough to feed myself. I have explained time and time again. I can not pay this and this is affecting me every turn I make.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (OK)

I set up an account with Square and as soon as I got my first deposit they deactivated my account froze my funds and wont answer any questions or call from my phone I have to use someone elses number not linked to my account. They will not give me a reason that they did this and refuse to allow me to speak to a manager or supervisor. When I finally get ahold of someone they just tell me they cant tell me anything and hang up!
Consumer complaint received 2017-06-04
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. (MD)

I sent a letter 7 months ago requesting that several creditors be validated and removed. The creditors were removed and then greater than 30 days later the credit reporting agency placed the creditors back on my credit profile. I sent letter informing them that this is illegal and on  XXXX / XXXX /   2017  I received a new report with no change.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/21 I tried to submit a {$120.00} payment through Paypal.com to a friend in XXXX. Paypal failed to disclose anywhere in their website while I was doing the transaction that the money would not be available to my friend until XX/XX/XXXX ( 21 days later ) before I submitted the money, and only showed this information after the transaction was submitted. I contacted their costumer service and said they were unable to cancel my transaction, and that I should have called them before sending the money to know about the 21 day delay, and that they did not have to disclose this, but that I should know the countries regulations and there was no way for me to dispute the transaction.
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I received a credit monitoring notice stating that I have two collections for " XXXX XXXX/Citibank '' student loans from XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX. They stated that they have no record of having my account ( but they service student loans for Citibank ). They did state however that my social security number was listed " on a spreadsheet with no identifiable personal or account information. '' That was disturbing. Why would they have my social security number on a spreadsheet and I do not have an account in their office. <P/>XXXX XXXX directed me to call XXXX XXXX XXXX, because they also service Citibank student loans. I called them at ( XXXX ) XXXX on XX/XX/XXXX. A young man informed me that Citibank sent my account to their office in XX/XX/XXXX, but took the account back one week later. I asked him what that means and he said that there were no notes on the account. He stated that they do not have my account, Citibank has my account. He told me to call them at ( XXXX ) XXXX. <P/>I called Citibank on XX/XX/XXXX regarding the account. I was told that my account went into collections in XX/XX/XXXX. First, my account has been in deferment since XX/XX/XXXX. Second, I never received any notice of requested payment. Third, I never received an FDCPA compliant letter stating my account was going into collections. Citibank had no response to my statements or my request to see my entire account history. <P/>I have been on the phone for hours today trying to get to the bottom of why I have these deferred, never late accounts appearing as collections on my credit report. I have never made a late payment. I have never missed a payment. I do not understand. This is costing me the ability to purchase a home. Thee are the only negative items on my credit report. My score has dropped XXXX points because of this terrible mistake. Please help me.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Firstly, Bank of America purchased my loan from XXXX XXXX  company. XXXX had just dropped the illegal escrow account due to a letter written to the Texas Attorney General 's office. We were never reimbursed the over-payments made to XXXX. However, when Bank of America purchased the loan, they added the escrow account back to the account at a deficit. My original loan dated XX/XX/XXXX, includes a signed escrow waiver agreement that states, I requested a non-escrowed account ( document included ). I also signed a truth in lending disclosure statement ( document included ) that ensures I am responsible to pay my own insurance and property taxes.
<P/>
Secondly, the mortgage account was tax exempt during the XXXX, XXXX, and XXXX  years. Due to my military service, I am a XXXX XXXX XXXX XXXX veteran ( document included ). I contacted Bank of America informing them of the tax exemption. Bank of America continued to place illegal escrow, forced placed insurance ( self purchased insurance copies included ), special assessments, miscellaneous postings, late fees, misapplied payments and escrow shortage charges. With tax exempt accounts, there should not ever be escrow charged to the account. Either way, my account should never have been charged.
<P/>
Thirdly, please review my credit history ( included ) printed on XX/XX/XXXX. No missed payments except for Bank of America. My credit history for all other accounts have an A+ payment history. Bank of America, fraudulently reported negative payment history to the credit bureaus. With my mortgage loan having a signed escrow waiver agreement and my 100 % tax exemption status due to my XX/XX/XXXX military XXXX rating, the escrow payments should not ever have been collected. Me and my family have suffered unnecessary hardship because of Bank of America 's fraudulent charges, incorrect credit reporting and excessive fees.
<P/>
On XX/XX/XXXX, my credit report was marked as 120 days late. I contacted XXXX, at Bank of America, for my account to be reviewed, due to my new tax exemption status. He stated that my account had been reviewed, per my request, and that B.O.A was making corrections to my account and would send the updated credit report to the credit bureaus. On credit report date, XX/XX/XXXX, B.O.A had made the necessary corrections and marked my mortgage account as " pays account as agreed ''. This year, XXXX, Bank of America made major changes to my credit report by stating that my mortgage account had 25 missed payments. All of the errors on my account are completely illogical.
Consumer complaint received 2020-05-28
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. (CA)

UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

XXXX  OF  XXXX  AND  BAYVIEW LOAN  SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU  XXXX   XXXX   XXXX  provided  Bayview Loan Servicing with  fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to   XXXX    XXXX   XXXX  and  Bayview Loan Servicing responding to multiple Qualified  Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments,  Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on  XXXX    XXXX   and has continued through the present.  Bayview Loan Servicing  is a  XXXX  dollar corporation, currently they manage approximately {$11.00}  XXXX  dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank  XXXX   XXXX  continues to do nothing about our complaints in fact, Bank  XXXX   XXXX  has intensified the well planned scheme and has involved  Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and  Bayview Loan Servicing upload   these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service.  XXXX   XXXX   XXXX  transferred our loan to  XXXX   XXXX   XXXX  without making corrections caused by misappropriation of payments and forced placed Insurance. The  Master Servicer  Bank  XXXX   XXXX  has instructed  Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (MD)

Cavalry SPV I  LLC ( Attorney 's Firm :  XXXX ,  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However, Cavalry has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX  County and the case still opens. In addition, Cavalry has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

XX/XX/XXXX I tried to add some funds to my cash App account. I was unable to add funds. went to log into my account and slapped with your account is closed. no other information. Called and also typed to the AI assistant who is no help BTW. No one could tell me why my accounts were closed until 3 months later they gave another XXXX, untrue statement about my accounts. Its their server that went through my information and well with the programming issues. this company doesn't want to admit that they are wrong and were unable to fix the issue. I asked repeatedly for a supervisor to contact me. no a soul will communicate with anyone who uses their service. they say I gambled. Not sure how you gamble on Cash App? I live near casinos I used to work at them. I would like to see my account back open since its easier for my boyfriend to send funds to me while at work. I don't understand who thinks we are children but its pretty childless when I can't even get a phone call or a email explaining why. poor business and very poor customer service.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. <P/>Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (TN)

Regional Finance s ent a live check to my address in  XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in  XX/XX/XXXX  and the account was reported on my credit report. I spoke with  XXXX   XXXX  on the phone as well as in person in  XX/XX/XXXX  and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on  XX/XX/XXXX  stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on  XX/XX/XXXX  to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on  XX/XX/XXXX  and I denied the claim. They had to set another court date for  XX/XX/XXXX . This situation has cost me time away from work, has negatively affected  my credit score I  worked years to increase and caused me undue   XXXX   that is effecting my health. I see today they have run a hard inquiry on my credit on  XX/XX/XXXX  that was not authorized as well. I am contacting an attorney today.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

I closed my account with Chase one year ago because I live overseas. I was a Chase customer for 20 years. I asked for wire transfer to another XXXXXXXX XXXX  account. Instead, Chase sent a check to my mother. My mother sent me the check and I endorsed it. Then I sent the check to my new bank in the US, but this bank only accepts wire transfers and the check was destroyed. Then I asked Chase for a new check. That was 6 months ago. Then Chase sent me forms to be notarized which I sent back. I called Chase 2 weeks ago and they said they need to investigate my identity and needed to call me back. I gave them my phone number and never got a call back. I called back today and no case officer had been assigned to me. I have been waiting for one whole year for my funds. I am shocked that Chase would settle accounts using a risky method like a paper check. Chase has made no effort to reach out to me. Even if I get a check, it will take me weeks to get it into another account. 

Account : XXXX XXXX Amount : USD XXXX Case Number XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates (FL)

XXXX  sent an account to collection for {$91.00} stating that it belongs to me. I did not get any written notice or phone call about this debt. I have no knowledge of any past due owed to  XXXX . I should have been notified if anything but instead they sent this account to collection. I tried many times contacting this collection agency to validate this debt but I get nowhere. I have called and written letters. All I see is an account  XXXX  on my credit that has impacted m y credit score. I 'm more  then happy to clear this account up even if it 's not mine just to get this account removed. I just feel like I should have been contacted either via phone or mail about a past due / collection account.
Consumer complaint received 2016-02-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MD)

I received a foreclosure notice in XXXX, 2016 which sparked an investigation on. Y part. They do not have. Y financial history up to do and they are constantly sending me foreclosure notices. I have contacted Citimortgage and faxed all documentation and no one will call or work with me, they just keep sending me foreclosure notices. I now need a higher power to intervene and help me fix this issue.
Consumer complaint received 2022-08-09
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022