davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC (MO)

They have called six times in XXXX on XX/XX/XXXX on what they said was a recorded line I informed them not to contact me again. On XX/XX/XXXX on what they said was a recorded line I told them I had previously instructed them not to contact me again and again told them not to contact me. On XX/XX/XXXX XXXX and XXXX they called again. Thereby violating the fair debt collection act by continuing to call after having been instructed not to In addition they have never sent any kind of notice of the XXXX Ill give it any kind of notice of a right to dispute
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I write in an effort to request dispute, suppression, block and removal of all fraudulent accounts on my credit report. I just found out that someone used my personal and financial information without my permission to buy things with credit cards, get new credit cards in my name, obtain auto loans and other kinds of loans. The identity thieves have used my name, address and Social Security number to open fraudulent accounts. 
Following my awareness of the fraudulent accounts, I completed an identity theft report. The identity theft report is attached hereto. Specifically, the referenced accounts are fraud and the results of me being a victim of identity theft. Thus, it should be blocked from appearing on my credit report. 
Please take notice that my credit report shows erroneous information as for as names, addresses, phone numbers and employers are concerned. 

The fraudulent accounts are as follows : 1 ) XXXX  XXXX XXXX  / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX  / {$300.00} 8 ) XXXX XXXX XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} For the foregoing reasons, this is a request to remove, suppress, block or dispute these unauthorized accounts inquires quickly. 

Again, I did not originate these debts. Also, I did not approve for any of this information to be furnished.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This notice will serve as written notice of your FDCPA violations for False and Misleading representation ( Section 807, FDCPA ) ( 9 ) ( 10 ) To : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX  On or around the date of XX/XX/XXXX the manager of XXXX XXXX   known to me as XXXX had my vehicle removed from a local impound before I could get to the impound to pay the amount owed. At that time in the month of XX/XX/XXXX my vehicle was current. XXXX XXXX had no lawful reason to remove my vehicle and place my account on a hold status. My contract said nothing about my lien holder having the legal capability to do such a thing. During this hold any payment I called and attempted to make fell onto deaf ears, I was constantly denied the ability to make payments. Every time I called XXXX XXXX  and attempted to pay the manager XXXX  was more interested in my reason for the vehicle being towed and not the payment for my vehicle, XXXX  continued to tell me that another department was handling this matter and he would get back to me if I could even pay which created a false representation of the legal status ( FDCPA SECTION 807 ) be it during the month of XX/XX/XXXX my payment wasnt even 30 days late during these conversations.

On the morning of XX/XX/XXXX after several calls to XXXX XXXX in attempt to pay on my vehicle that was unlawfully obtained by XXXX XXXX, my calls to pay still went unheard. I get a notification the same day from XXXX XXXX and XXXX XXXX   updated my credit report with a repossession, causing major damage to my credit score and my co signer XXXX XXXX. XXXX XXXX issued a letter on XX/XX/XXXXwhich is misleading and false ( FDCPA SECTION 807 ) because my vehicle was held XXXX   by my lien holder and I couldnt pay. I was not in a default status anytime XX/XX/XXXX to create a repossession environment. You are also in violation of FDCPA section 807 subsection ( 9 ) ( 10 ), when you failed to communicate any default even after a XXXX payment in XX/XX/XXXX, and during that payment I was told that was the amount to bring my account current, with no payment being owed until XX/XX/XXXX.

Your letter XX/XX/XXXX is a repossession letter on a current account placing you in violation of FDCPA section 807 subsection ( 11 ), your letter was not a formal pleading made in connection with a legal action.

I am seeking relief from my credit, and I pray the Consumer Finance Protection Bureau can find that due to the unlawful environment created by XXXX XXXX  my credit will be adjusted accordingly. Since I cant get back a vehicle that was sold by XXXX XXXX I am seeking alternate compensation for the damages to my credit report in the amount of said vehicle, ( XXXX XXXX XXXX XXXX ) before it was sold at auction. Thank you and Travel Light.

Bro. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

In XX/XX/2022 : USAA Federal Savings Bank lost my new check order in the mail even though they state checks are sent via XXXX with tracking. Turns out XXXX simply sends them to the XXXXXXXX XXXX  where they are no longer tracked. 
Because my checks were lost in the mail and no tracking, I had to cancel my checking account immediately when I found out and set a new checking account. 
In this process it cost me 100s of dollars in canceled check fines and the bank also canceled my on line credit card payment without notifying me, then turned around and charged me {$270.00} for not paying my credit card bill. 
Since they caused the problem in the first place and canceled my credit card payment without notice, I want USAA to pay back the {$270.00}
Consumer complaint received 2021-12-08
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. (FL)

Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I sent a second dispute letter to Comenity Capital Bank/XXXX and all 3 credit bureaus regarding a credit account that was opened in XXXX and has 10 inaccuracies. It is well over 30 days and there are still 10 inaccuracies listed on my credit report and the account still has hasn't been updated.
Consumer complaint received 2018-03-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

For years, Experian has been reporting a false account on my credit report causing my score to drop tremendously. Account : XXXX XXXX XXXX XXXX has been reporting since XX/XX/XXXX in the amount of {$210.00}. I've disputed this account numerous of times with no luck getting it removed. On XX/XX/XXXX, I sent a certified letter to Experian asking them to provide me with verifiable proof ( an original consumer contract with my signature on it ) that is on file. By law, under the FCRA Section 609 ( a ) ( 1 )  ( A ) it is required that the credit bureaus provide a physical verification of the original signed consumer contract and any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services can easily fax, mail, or email a fraudulent account. By, law unverified accounts must be removed.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (AL)

Disputed with the company on XX/XX/18 approximately 71 days ago. Complaint showed to be received by company on XX/XX/18. It is now XX/XX/18 and I have yet to hear from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
Consumer complaint received 2018-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do not have enough room here so I'll keep it to the bare minimum. In XX/XX/XXXX BofA granted us a loan modification. They did not honor the new payments. According to the most recent " reason '' they did not is they claim the payment amount was not enough to cover the escrow account. I have a letter from BofA that I received in XX/XX/XXXX showing that there is {$44000.00} ( that's XXXX ) IN THE ESCROW ACCOUNT. Right now. It seems to me that this agency, CFPD, is not for the consumer and does nothing but defer to the company there's a complaint about. I have had thousands of conversations with BofA and not one person seems to know what's happening! They rescinded the UNLAWFUL foreclosure that they did in XX/XX/XXXX due to the fact that it was " invalid due to an agreement between the borrower and the servicer prior to the foreclosure sale. '' THEIR WORDS. They NEVER TRIED TO RECTIFY THAT MISTAKE! They have spun up whatever story they see fit as to why they can illegally foreclose. I was making the required payments under the modification agreement!!! The last administration gave Billions of dollars to the BANKS to fix the problems they caused. They have done no such thing. I have all documents to prove that I did nothing wrong!
Consumer complaint received 2021-10-22
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. (IN)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have been doing business with Synchrony for a number of years using their Amazon credit card. I recently made the decision to stop doing business with Amazon and have been cutting ties across the board and changing my credit accounts. Part of that means stopping my Synchrony Amazon account, which is marked for closure due to disuse. I opened a XXXX card with Synchrony due to it's rewards program, but still planned to discontinue use of my card. Unfortunately, Synchrony closes these accounts automatically. Such a closure would impact my credit score substantially. I asked the bank if they could move the limit over to the XXXX card to preserve my credit limit. 

They refused outright and said there would be no way to protect my score in this situation. I called to attempt the matter on XX/XX/2021 and spoke with multiple managers. This is an abuse of my consumer protections as it forces me to either use a financial product I do not want to use and is being forcibly closed, or suffer an impact to my credit score.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I tried to get gas service to my new home on XX/XX/2020. I called XXXX, my gas company and they told me they have to do a credit check through Experion. I was informed my credit check account is locked and they can not turn on my gas. It is winter time! I tried to contact Experion via the phone but you can not reach anyone and their website will not let me file an email request to unblock my account. FTC requires I be allowed to fix a problem over the phone with credit bureaus in one hour.

I am freezing with my wife and children in my home do to a bogus account lock and there is no way to correct this issue via phone or email. Experion is in total control of financial future and heat in my home. Yet they provide no means to remedy their errors!
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

An account on my consumer report is reported as charge off status and that should not be on my consumer report. According to the IRS any companies cancelled or charged off debts should be filed as a 1099-C and written off as income. By law its iiegal to to furnish this on a consumer report. I demand this account be removed.
Consumer complaint received 2022-04-28
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: Talbot, Adams, & Moore, Inc. (TX)

My account was closed with XXXX bank and it said XXXX $ i didnt owe anything at the time just never used it however they later on 1 year later sent me to collections I never got a letter or call saying I owed anything I only found out because it popped up on my credit report. The amount was XXXX and I wouldve gladly paid it however they never contacted me I called the company and asked them about it they got all my info and told me XXXX didnt give them a contact number or address. I didnt even get a letter from XXXX  bank saying I owed them. The collections agency is tams/spear XXXX  XXXX XXXX
Consumer complaint received 2021-12-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I call XXXX, Transunion XXXX and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.
Consumer complaint received 2021-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

In XXXX of XXXX my wife and I signed up for a home equity line of credit which was serviced through Specialized Loan Services ( SLS ) in the amount of {XXXX}. 

We failed to make payments on the note, and subsequently a lien was placed on our home. 

SLS now says we owe the principal balance of XXXX XXXX XXXX XXXX XXXX in interest. 

Our issue is not with paying what is owed - we are planning to sell the home this year, but the interest amount exceeds Washington State 's statute of limitations which states that interest can not accrue indefinitely beyond the six year mark. 

For the last two years we have directly attempted to communicate this and had two different attorney 's attempt to get SLS to adjust the amount of the lien to the amount that would haver been due at the six year mark but have been denied, most recently claiming that they need to assess the amount of equity on the first mortgage ( which is current ) before they would consider anything.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have a Bank of America checking account and Merrill Lynch brokerage account from my employer. I requested to sell some of my stocks on my brokerage account, and the send a money to myself. The representative from Merrill Lynch told me that if I have a Bank of America account I can wire transfer from my Merrill Lynch to my Bank of America account with no fees from both sides. As a result he helped me initiate two wire transfers. One is my balance on my account, and the other one is the stock selling money. However Bank of America card me wire transfer fees for incoming wires, which is inconsistent with the representative from Merrill Lynch. I called Bank of America and was able to get the first wire transfer fee waived however the second word transfer was identified as international wire transfer and they refused to waive the fee. They told me in order to waive the fee or to re-identified as a domestic wire transfer I have to contact the Merrill Lynch. I contacted the Merrill Lynch and the Merrill Lynch representative told me I need to contact Bank of America because theres nothing wrong on their side. I was pushed back on the fourth for many times within one day. From Merrill Lynch and the Bank of America I received that very different information. They are essentially the same big company but they are pushing me to be a transmitter and I spent more than four hours on the same day to communicate with them. I believe I was not fairly treated.
Consumer complaint received 2022-04-28
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. (TX)

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I received XXXX emails on XX/XX/2022 as if I had opened an account with the Pentagon Federal Credit Union. The emails were requesting verification in order to open the accounts and receive tax information electronically. I have changed my email password and tried contacting the bank but the phone service requests my DOB and full SSN- I chose to hang up before providing any of that. I am unable to speak to a human.
Consumer complaint received 2020-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I filed a dispute with TransUnion over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and XXXX XXXX XXXX immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last XXXX digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, TransUnion is reporting in its completed investigative report that my XXXX account is in bankruptcy based upon XXXX 's last update on XX/XX/2020. When I called XXXX XXXX XXXX when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called TransUnion with the file/control # that XXXX provides to TransUnion that reflects updated credit information but TransUnion claimed they could not make any changes.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was never informed that citizens pay was a different entity from my XXXXXXXX XXXX XXXX XXXX when trying to contact them the number reported to credit bureaus is incorrect was reported as a late payment and never received a bill or mail regarding the payment. When I finally found the number was told there was nothing that could be done to reverse the late reporting on my credit report