davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

I dont owe phone carriers and they are reporting false charges and reporting false payments made by me to keep the account current in my credit report. I need these false debtors to remove these items out of my credit report so that I can buy my XXXX home. They are hindering me from buying my XXXX home.
Consumer complaint received 2019-02-22
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: BARCLAYS BANK DELAWARE (CO)

I had 3 fraudulent charges placed on my account on XX/XX//2019 in the total sum of {$740.00}. I received a notification from the bank, Barclays, about unusual activity, so I immediately called Barclays. They agreed to dispute the charge and send me a new card. I received the new card, but Barclays then told me that their investigation showed the card 's chip was used in the transaction, so they believed I used the card and refused to remove the fraudulent charges. I called them two times and was told the same thing both times.

However, two other credit cards of mine from different companies were also used for fraudulent activity on XX/XX//2019 during the same time period, but the other two banks, XXXX XXXX and XXXX, both removed the fraudulent charges without issue.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (PA)

I ordered a credit report from Experian for {$1.00} on XX/XX/XXXX. When I checked my credit card bill on XX/XX/XXXX, I discovered an unexpected charge for {$21.00} from Experian. I contacted the company the same day and was informed by the customer server representative that I was now enrolled in their Experian Credit Tracker program for {$21.00} and that they would not refund the charge. 

The customer service agent informed me that I was sent an email notifying me about the enrollment. I located the email ( in my junk mail folder ). That " notification '' omits any mention of a {$21.00} charge or any other charge whatsoever. 

On returning to the original Experian website, I discovered a difficult-to-read statement in fine print explaining that I would be charged {$21.00} monthly if I did not cancel within seven days. It is hidden away in small, gray type on the gray background of an otherwise brightly colored webpage announcing in enormous type : " '' What 's your FICO ( R ) Score? Find out now when you check your credit report for {$1.00}. '' This page is designed to mislead consumers, and in my case it succeeded. I actually thought I was ordering a credit report for {$1.00}. Silly me. 

It is impossible to cancel a membership in seven days when the consumer does n't know they are being charged for something. Since their own follow-up email does not notify the consumer of the charge, they are left in the dark until after the seven-day period expires. 
I neither requested nor want this so-called membership. 

When I spoke with the consumer service agent, on XX/XX/XXXX, she cancelled the monthly membership but refused to refund the initial {$21.00}. I asked to speaker to her supervisor, who also refused to refund charge. She referred me to an email address, and I sent them a written request the same day. On XX/XX/XXXX, an agent replied in writing again refusing to refund the charge. 

I believe Experian, dba Experian Credit Tracker, is engaged in a classic deceptive business practice. The company has a lengthy history of such practices, as I have since learned, addressed in the Credit Card Act of XX/XX/XXXX. 

I want a refund of {$21.00}, minus the {$1.00} fee they claimed I would be charged. 

Attachments : screenshot of Experian webpage ; " Welcome to Experian Credit Tracker '' email ; Email correspondence with " XXXX '' from Experian Consumer Billing Department.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have new and updated information concerning my previous complaint based on the creditors response. Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that Capital One Bank provide me with the written application I made to them for the credit card ending in -9212, written proof of my income at the time of application or a written application of the cosigner who applied for the Capital One credit card with me.
Consumer complaint received 2016-10-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

SELECT PORTFOLIO RECOVERY SERVICING claim they want to foreclose on my property. 
To date they have yet to show that they are the originator on my mortgage. 
The original refinance was with XXXX XXXX XXXX who closed my account and the insurance paid for the loan. To my knowledge XXXX XXXX XXXX sold the mortgage as stock. 
XXXX XXXX XXXX also sold the collection to SELECT PORTFOLIO RECOVERY SERVICING -How can they sell my property as stock and mortgage at the same time??? 
-If it 's sold as XXXX and SELECT PORTFOLIO RECOVERY SERVICING claim to hold the mortgage on my property?? 
-SELECT PORTFOLIO RECOVERY SERVICING also has not answer my letters proving they hold right to force me to pay a mortgage. 
-In addition, SELECT PORTFOLIO RECOVERY SERVICING made back payment to themselves from my escrow account. I would like to know if it 's legal for them to use my escrow account to back pay themselves for collection payment on my mortgage. This happen while I was was renegotiating my loan with XXXX XXXX XXXX. From 2009 to date.
Consumer complaint received 2015-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NV)

a company called citgroup credit services, a third party to citi is responding weirdly ... 

i have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XX/XX/XXXX applied for XXXX mortgage with Bank of America to refinance my home onXXXX XXXX  with a Land lease for XXXX years. I was told that as long as the duration of the lease exceeded the length of the mortgage there would be no problem. I was assigned a person to assist me with all documentation which I supplied, paid a fee of XXXX $ and was approved with a closing dat set for on or before XX/XX/XXXX. Today I received a phone call informing me that the loan had been rescinded over the XXXX XXXX issue. From day one the bank knew my status and also knew that I had been turned down by XXXX XXXX because of the XXXX XXXX issue but unlike BofA, XXXX XXXX took 24 hrs to give me the information. I had innumerable conversations with my BofA representative none of which led me to believe that I would be turned down at the eleventh hour. I think the bank is guilty of misleading consumers and deceptive business practices and should be held accountable.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MS)

JP Morgan Chase closed homeowner 's Original Loan ( ... XX/XX/XXXX ) on or about XX/XX/XXXX during the commission of illegal loan procedural acts. JP Morgan further covered up these illegal loan procedural acts from homeowner until she accidentally found out from their own employees during XXXX holiday in 2014. Homeowner also discovered other illegal loan procedural acts performed by JP Morgan Chase. JP Morgan Chase had no intentions of letting this homeowner know about their illegal loan procedural acts. Because of the continued cover-up homeowner reserves any and all of her rights against JP Morgan Chase individually and on behalf Fannie Mae and Fannie Mae. Homeowner is attaching a Complaint to this form known as " Closed Loan Return Deed Complaint with CFPBSee attachment - Closed Loan Return Deed Complaint with CFPBSincere & XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account NumberXXXX  THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account Number:XXXXXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.
Consumer complaint received 2015-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX of calls over more than XXXX months. They have never left a message, until today. They are, supposedly, a Debt Collection Agency, based in Texas and XXXX, XXXX Caller ID reports the call from Portfolio Recovery.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

I sent a request for an investigation regarding an erroneously reported account by Child Support with Equifax. Equifax sent my letter to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with Child Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and address. This was wrong of Equifax to o this and possibly damaging. they should not have been so careless as consumers put their trust in the credit bureaus. I sent Equifax proof that this account was paid and they did not bother to update my account.
Consumer complaint received 2016-03-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recover Associates is reporting a collections account on my XXXX, XXXX, and XXXX credit reports. On XXXX/XXXX/XXXX I sent them a letter asking for verification of the debt. They sent a response letter stating that in a previous letter they had asked me for more information but I never sent it. I never before received a letter, email, or phone call from them requesting additional information. On XXXX/XXXX/XXXX I sent another letter requesting verification of the debt, which they responded with a letter saying in a separate letter they sent me a request for information and I never sent it. These are BOLD FACE LIES! They have never attempted to contact me requesting additional information and are using this lie as a means to continue reporting false information, as they have been unable to verify the debt.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 2016-10-11
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

Hello, I signed up for a promotion to get points after spending a certain amount on the credit card. After meeting the requirements, I was awarded the points. This XXXX I cancelled the card, and was never notified that the points would expire after the card is closed, since I have additional cards with the bank. Based on what I 've been told before, as long as I have accounts with the bank, the points will not expire. This is stated in the disclaimer as well. After speaking to a rep over the phone, they advised that I shouldve been notified when i filled out the request the close the account. However, I never needed to fill out a form to close the account. I just sent one simple message, and the team closed my account out. This is very deceptive and the rep acknowledged that I shouldve received notification as well prior to the account getting close and that I shouldve received properly disclaimers on the effects of an account closure. Citibank is inconsistent in the way they handle accounts and the consumer if negatively affected as a result.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I disputed some items on my Credit Report with Equifax and they took more than the XXXX day required to Investigate. They received my dispute on XXXX/XXXX/2015 and did not complete the investigation until XXXX/XXXX/2015, which is beyond XXXX days. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] They have to delete all items that I disputed. I called Equifax and spoke with XXXX and then XXXX who stated they will not delete the items and that they are in accordance to all FCRA rules. I 'm demanding all Items I disputed be deleted from my Credit Report Immediately. Pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent Account 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 2017-02-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CURO Intermediate Holdings (TN)

got a phone call from gray cloud recovery XXXX claiming to be representing speedy cash. i called speedy cash and they do not have an account with XXXX. they asked for my debit card and also claimed garnishment
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR