davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX PORTFOLIO RC XXXX Your company have violated FCRA XXXX15 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In September, my wife contacted the Bank of America to cancel a business credit card she was no longer using. The representative inadvertently cancelled the wrong card, instead canceling the personal credit card we had with them for more than 30 years. Soon after discovering our personal card had been canceled -- the card was denied as we attempted to make a purchase -- we contacted Bank of America. They acknowledged that the mistake was theirs, but told us they could not simply reinstate the card. The customer service process was a nightmare and I 'll spare you the details, but eventually ( in a callback several weeks later ), they explained that because of the Fair Credit Reporting Act, restoring a closed account, even one that was closed by their mistake, required us to go through a re-application process. As an aside, the original three reps with whom I spoke -- yes three, starting with a front line rep and progressing to her supervisor, then his, a " resolution specialist '' -- insisted that " by policy '' they had to go through a re-application process and never once cited Federal Law. They made it sound like it was just an internal policy/process which, quite naturally, I assumed could be waived since the mistake was theirs. 

If they are correct in stating that the Fair Credit Reporting Act actually requires a re-application process whenever a closed account is reopened, even when the bank makes a mistake such as this, then I 'd say the Act has gone too far in regulation. My wife called to cancel the business card on a Saturday afternoon. We discovered the problem on a Sunday evening. We called on Sunday evening and again Monday morning. The account had n't even been closed for 48 hours. It was a bank mistake, but they said they could not just uncheck the box that said " account closed '' and restore our credit card. They claim Federal Law ( the FCRA noted above ) prevents them from doing so. If that 's the case, the law is far too restrictive. 

Can you please tell me : Does the Fair Credit Report Act actually prevent them from corrrecting their error and reopening my account? Yes, I could have gone through the re-application process, but I do n't think this should be necessary. They made the mistake. They should be able to fix it. 

I have already contacted the FTC ( though my Senator, XXXX XXXX ) and their legal team has asserted that nothing to their knowledge in the FCRA should keep the bank from fixing their mistake and re-opening our account. However, they said your agency is also involved with the Act, so I might wish to contact you, too. 

If you confirm, as they did, that the FCRA does not prohibit Bank of America from " simply '' reopening my account after *their* mistake, I will contact them myself. 

Thank you and kind regards, XXXX XXXX XXXX XXXX, UT
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CT)

I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company XXXX, XXXX XXXX was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, Midland was included on the bankruptcy petition, and notified. XXXX XXXX XXXX was also notified of this action. The bankruptcy was discharged on  XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt and what do I do? The clerks office told me to contact XXXX XXXX XXXX XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ XXXX XXXX XXXX. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Consumer complaint received 2017-12-08
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. (OH)

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX XXXX and Experian keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I am getting bills and letters and now on my credit report from XXXX XXXX XXXX and CAPIO PARTNERS LLC. This collectors are apparently for XXXX XXXX. This who the debt was with. These 3 accounts were paid.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (TX)

In XX/XX/2020 we made the decision to have our mortgage placed in forbearance as a result of the financial strain resulting from the Covid19 pandemic. 
I had been speaking with " XXXX '' during this time. XXXX offered another financial plan that would move the forbearance amount owed to the end of the mortgage term. During my conversations with XXXX, I understood that as long as I resumed paying our monthly mortgage payment beginning XX/XX/2020 the account would be in " good standing '' and without penalty or effect to our Credit. We were able to resume making our mortgage payments since XX/XX/2020, and have done so since. 
During this time, we suffered roof damage to our residence and became involved with the " loss draft '' department of XXXX. While waiting for the funds to be released, from Loss Draft, our contractor 's time frame for repairing our roof wax delayed. 
Recently I was reviewing my credit report and it is showing that I have negative remarks from XXXX  saying that I am 120 past due on my loan. 
I don't understand why but XXXX is not wanting to add the 5 months of forbearance to the end of the loan term and then on top of that they are ruining my credit in the process. 

We have asked for them to help us and they refuse. 
This is a FHA mortgage.
Consumer complaint received 2017-12-08
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)

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX  Equifax, and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : ( XXXX ) XXXX.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TN)

I received information that my loan has been sold to Wells Fargo. When trying to log in online, it is requiring me to consent to a Online Access Agreement. A number of things in this agreement do not make sense and i am trying o get clarity on what they mean. I have called the number on the document and they keep placing me on hold after i talked with three representatives on XX/XX/2020.
Consumer complaint received 2022-12-14
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. (OK)

XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

experain has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (GA)

Company : XXXX XXXX/ Netspend Dispute Claim # XXXX Dispute Claim # XXXX I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. I had filed my taxes and requested my refund be deposited on my account with the above referenced company back in early XX/XX/XXXX. While I was hospitalized someone stole my card and ultimately my identity and stole my entire refund leaving me negative. I learned of this theft on XX/XX/XXXX and immediately reported my card stolen and tried to log online without success at first due to my passwords being changed. My actual card was cut off and new cards issued. One card was issued to a man whom I don't know, but since have learned is currently incarcerated for credit card theft charges. This person received money from my account totaling at least {$2500.00}! 
I have filed identity theft report with the FTC and I have also filed a police report and a report with cyber crime unit. I have verified with the police that I was in fact hospitalized as to why I wasn't aware of the theft until now. I was assured that my funds were safe/insured and that I would receive them returned to me under these circumstances. I have sent XXXX police report and FTC report and within a few days was informed that my dispute claim # XXXX is closed and NO errors were found! How is my identity being stolen and in turn my funds totaling {$5700.00} being stolen not an error? 
Due to my last XXXX I have been left XXXX XXXX XXXX and must handle this matter via email. I am temporarily XXXX and seeking XXXX benefits and am financially unable to provide for my daily essentials because of this theft. I ask that you please help me in regards to this matter.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC (NC)

XXXX XXXX - I made a sales agreement on the brand new house where I live in now. 

XXXX XXXX - When I mad the agreement, I also made an agent agreement with my realtor, and the agreement included that I will get {$1000.00} credit on the closing.!! 

XXXX XXXX - I started a mortgage loan after I got a pre-approval. ( This was right after the day of the sales agreement ). The mortgage company was recommended by the home builder. And I paid the XXXX of earnest money. 

XXXX XXXX - After several days, they told me I had to switch to FHA loan with other mortgage company referred by the XXXX XXXX XXXX, because I have a XXXX XXXX 

XXXX XXXX - I asked the home builder if I can get the earnest money back, and they said " no '' because it 's been approved on conditions. I did n't fully accept the situations and already got a lot of stress at this point, because I felt I had to keep going because the earnest money. 

XXXX XXXX, XXXX - I had a closing for my current house. 

XXXX XXXX, XXXX - I noticed that I did n't get {$1000.00} credit, and asked my realtor right away. 

XXXX XXXX, XXXX - The realtor finally answer this via text : " XXXX, I spoke with XXXX my Broker-in-charge at XXXX this morning. He said because your XXXX credit was n't on your closing statement & disclosed to your lender prior to closing we wo n't be able to pay you XXXX after closing. It 's also a violation of NC license law to pay anyone without a NC realtors license. I apologize for this error & promise to make it up to you on our next transaction. Any questions call me I 'll be happy to discuss it with you further. Also, If you would like to confirm this here 's XXXX contact info : XXXX XXXX, REO Specialist, CDPE, SFR, CDP, ABR, SRES, XXXX XXXX XXXX & SC Broker / Realtor XXXX XXXX XXXX, Broker-in-Charge ( C ) XXXX ( O ) XXXX Email : XXXXXXXXXXXX '' XXXX XXXX, XXXX - I did n't want to get promised for the next transaction, which I do n't know when it will happen. I wanted the XXXX. So, I emailed the lender and the realtor again whether there is any way to fix this. As of XXXX XXXX, XXXX, I have n't heard anything back from them. 

Contact Information for related persons/parties : - Realtor : XXXX XXXX, XXXXXXXXXXXX - Original lender : XXXX XXXX, XXXXXXXXXXXX - Final lender : XXXX XXXX, XXXXXXXXXXXX - Me : XXXX XXXX, XXXXXXXXXXXX
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (IL)

Dear CFPB On XX/XX/XXXX I went to my bank ( US Bank, located at XXXX XXXX XXXX XXXX, XXXX Illinois ) and deposited a check for {$3900.00} from a company by the name of XXXX. My husband is ill in Florida and has been there since this last big hurricane and I have been looking for work by way of the internet to get money so I can relocate. I previously went to the bank in XX/XX/XXXX and asked for a loan of {$5000.00} and they turned me down and said not at this time. Later in XX/XX/XXXX I explained to the teller that I had a job offer for an advertisement from XXXX XXXX to put a decal on my car and advertise for them because their sales were down and I would be paid {$500.00} per week. I was suppose to keep {$500.00} for my first weeks pay and send the balance of {$3900.00} to an account specialist at either XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX form XXXX XXXX had XXXX text me with an account number ( XXXX ) at XXXX XXXX XXXX because it was closest to my home address. My bank, U S Bank released the funds to me on XX/XX/XXXX without any complaint. I thought the check was good because XXXX XXXX XXXX was not extending me any credit and they cashed it right away. I do not have that kind of money in my checking or a savings account in U S Bank or any other bank. When the bank cashed the check I felt good about the job because I thought everything was legit and that it would workout for me. On Monday XX/XX/XXXX my sister and I was going to the grocery store and I called U S Bank to see what was my account balance and passed out when I was told by customer service that my account was over drawn by {$3900.00}. U S Bank blames me and have taken my pension check {$460.00} plus money from my social security check {$1900.00} and reversed the payment for my car note of {$65000.00} to XXXX XXXX XXXX. My car insurance was an automatic deduction and everything is lost. I received a letter from U S Bank on XX/XX/XXXX stating that the check would be held for seven days but the teller cased it and released me the funds on XX/XX/XXXX. I have since filed a police report case number ( XXXX - XXXX ) and have received two more checks. I hold U S Bank responsible for this mishap. I took one of the checks to the XXXX XXXX XXXX on XXXX and XXXX and right away they recognized that the check was fraudulent and said it was no good and kept it. I need U S Bank to return my funds because I have no money to live off of. My husband has been ill since XX/XX/XXXX with medications costing {$500.00} or $ 600 monthly and we live from pay check to pay check. He is XXXX years old and I an XXXX years old and we need the money back. All of this pain and suffering could have been avoided if U S Bank would have protected me as their customer. The bank tellers are suppose to be sharp enough to detect criminal acts and protect their customers unless they are part of these criminal acts.