davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America filed a Notice of Default against my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX on a HELOC. I have not made a payment on the 1st or the 2nd on that property since XXXX XXXX. I mailed Bank of America and XXXX XXXX debt validation letters and they denied my request and did not provide sufficient validation to collect any debt they claim I owe them. bank of America denied submitting information to me besides the usual note and deed of trust. Both debt collectors did not submit sufficient proof and evidence that I owe them any money. XXXX XXXX in XXXX XXXX ordered a BPO against my property showing their intent to foreclose and sell my house. Also, the statute of limitations to collect on any bond or note in California is passed as it has been over 5 years since I paid on the alleged debt. I have since XXXX submitted many letters and requests to validate this debt and I have spent a lot of money in doing this and none of the debt collectors have been able to prove and validate any debt they claim I owe them. Now Bank of America has filed a Notice of Default against my home and I am in danger of losing my house.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (SC)

A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to XXXX and Equifax on XX/XX/22 and called and emailed the XXXX XXXX XXXX XXXXhe same day. I haven't gotten any response.
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Midwest Recovery Systems (VA)

In XXXX XXXX, I was checking my credit through XXXX XXXX and saw the derogatory from XXXX XXXX now MIDWEST RECOVERY, This is for {$1100.00}. This is in the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX I called them in XX/XX/XXXX and again last week. They said they sent something to correct this back in XX/XX/XXXX but the derog is still there. From called them again last week they said they would send me a letter ( which has n't arrived yet ). 

On XX/XX/XXXX, I sent a a complaint to XXXX ( confirmation # XXXX ) and they responded back saying it was mine because of the social security number. The social security number is mine but its not me. Someone else is using my social security number.
Consumer complaint received 2019-05-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (VA)

About seven years ago, I was persuaded by a Citibank teller to open a {$50000.00} " Custom Credit Line. '' He told me that there were no fees or expenses for opening or holding the account and that I would receive more " Thank You Points '' from Citibank for having this type of account in addition to my pre-existing checking and savings accounts. I opened the account and, within a couple of years, I began receiving annual fee statements. ( I have never used the account and I don't need a personal line of credit. ) At various times, I contacted Citibank over the phone and explained the situation and they agreed to remove the fee. Nonetheless, I have recently been receiving fee statements every month and now my phone calls and written letters to Citibank have been ignored. The most recent fee statement shows a balance of {$50.00}. Again, I have asked for this account to be closed and for all fees to be waived, but there has been no response and the fee statements continue to arrive. 

I am requesting that Citibank close this account and remove all fees. In addition, I would like the bank 's practices to be investigated, as I suspect there may be pressure  on tellers and employees to induce customers by fraudulent statements to open " free '' accounts that will ultimately incur fees.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TN)

XX/XX/2021 CAVALRY PORTFOLIO SERVIC Collection were started from XXXX which i disputed and also sent letters that this account was fraudulently opened along with a signed police statement letter that this was also fraud. Company said that this account was verified which they were unable to send proof that i signed anything or proof that anything was sent to me that was purchased. I want this removed as well as the collections company they sold that debt too removed from my credit report asap because i disputed this multiple times and at this time it is credit harassment. 

Credit company has addresses that I have also never lived at on my credit report like 1. XXXX XXXX XXXX XXXX XXXX has wrong name. 
1.XXXX XXXX
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Failed to validate mortgage, I have been informed from the county register office that there is no existing mortgage. and a mortgage have been transferred 3 times from XXXX XXXX XXXX, XXXX XXXX and SPS currently being the company requesting payments from me XXXX XXXX Deed holder to the property.However no one have been able to produce the original note for the property at XXXX XXXX XXXX XXXX, XXXX NJ XXXX. None of these 3 entities have no interest in my property/House and I have no signed contract with any of these companies. Has of the most recent letter sent from SPS I have no signed contract with XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delta Management Associates, Inc. (NY)

Delta Management Associates attempted to collect a debt in XX/XX/XXXX for XXXX University, which I do not owe. They did not inform me I had the right to dispute, did not include ANY of the necessary and lawful warnings. Luckily, I knew my rights under the FDCPA and disputed, pointing out that they had not only failed to disclose my rights to dispute but also included a collection notice on the front, which is disallowed. I disputed and informed them of this, saying they needed to cease collection or I would go after them for the two FDCPA violations. They THEN sent me another collection letter, over 30 days after initial communication, and included the necessary information, attempting to backtrack and make it look like they had done this all along. They need to cease collection, as they failed to inform me within 5 days of initial contact that I had the right to dispute. THey have also never validated it, and they included it was a collection attempt on the envelope, thus violating my rights under the FDCPA numerous times.
Consumer complaint received 2021-10-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC (GA)

I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Consumer complaint received 2021-10-15
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: CITIBANK, N.A. (FL)

From Macys Furniture on my Macys American Express card. Original purchase of XXXX XXXX XXXX XXXX XXXX set including Queen size bed, nightstand and dresser. Sales check # XXXX for a total of {$2100.00} on XX/XX/2021. On XX/XX/XXXX, Macys had XXXX of XXXX sale on this bedroom set and the price was adjusted to {$1300.00} for the queen bed, nightstand and dresser plus tax and s/h. Currently Macys is charging me {$790.00} for a dresser {$1200.00} for a bed, and {$920.00} for a chest which I did not receive. Furniture delivered Around XX/XX/XXXX. I have spent hours on the phone with Macys and each time they have assured me that this situation was resolved. I just received my new Macys statement and they are still overcharging me by {$1500.00}. I just spent another 45 doing a chat and he then dropped my chat.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

sears card claim I am late making payments closed my card when in fact I sent receipts payments has been made to date no reply they assessing late fees to my account when I am up to date, they reported this the credit company 's and closed my account
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank
Consumer complaint received 2017-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I applied for two, Private Student Loans with XXXX using a co-signer. XXXX was selected because they offered a co-signer release after 24 months of on time payments, which I even made during my school years ( I currently have a long time steady job ). XXXX eventually sold the loans to AES. As of this date, I have made FOUR years of on time payments on Loan # 1 and 2.9 years on Loan # 2. For the past 2 years, I have attempted to release my co signer on three attempts with negative results. During these processes, AES has requested more and more information - all which was what provided - to finally forward the information to XXXX, the former owner of the loan, who ultimately denied the request due to date of application being signed over 60 days. Another application was submitted with a quick DENIED. 
AES Customer Services representatives all have different answers and some cant even provide resolutions. AES agreed that they bought the loan from XXXX and own it however are not allowed to remove the co-signer and said everything had to go through XXXX XXXX. My co signer went to XXXX XXXX in XXXX CA in person and spoke to XXXX XXXX, a banking officer, who was also given the run-around by XXXX student loans. Our information was not in their system because they sold the loan to AES and we were told to direct our questions to AES - which didnt make sense because I received correspondence from XXXX during the XX/XX/XXXX co signer release application! 
After receiving a non-descript denial notice in XX/XX/XXXX, XXXX eventually informed me that a third party, XXXX XXXX XXXX, denied the request due to credit. XXXX? The AES agent, XXXX # XXXX, did not provide any additional information other than XXXX didnt feel I could make the payments. Even after FOUR YEARS of on-time payments and having a long-time steady job? How is XXXX, a third party, involved in the final say when XXXX via AES advertised a co signer release after 24 months of on time payments? When asking AES agent in XX/XX/XXXX ( XXXX, employee number XXXX ) for more information, she told me to fax AES a letter requesting XXXX the credit score requirements to release the co signer. However a subsequent phone call to AES agent XXXX # XXXX, said I was not able to do such a thing and didnt have any contact information for XXXX. I called XXXX via a XXXX search, and was told to direct my questions to AES as they were the service provider. 

Bottom line, I established a contract with XXXX based on the co signer release incentive. The loan was transferred to AES with the same agreement, and NO other stipulations. After making the double the aforementioned agreement, AES has not released my co signer and continues to give me double-speak and not fulfilling the agreement. I am requesting my co signer be released as I have kept my side of the agreement per the initial student loan conditions.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

This is a follow up to a previous complaint XXXX. I recently received a summons about this PayPal debt that I have said all along is not mine. Apparently someone started a PayPal credit card at an address in Iowa where I have not lived in 20 years. It appears to be a result of identity theft, though I see that PayPal Credit has a history of heavy handed debt collection tactics, getting consumers to sign up for credit unknowingly and without their consent, and similar tactics. I contacted PayPal Credit customer service and started an investigation into the identity theft. My reason for contacting CFPB is just to alert the authorities about this situation to keep everything above board. Attached is a copy of my reply to the summons I received and submitted to the clerk of court, as well as the article I found about CFPB taking action against PayPal Credit under suspiciously similar circumstances to what I am currently facing.
Consumer complaint received 2023-03-09
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. (NY)

DELETE THESE FOLLOWING INQUIRIES .... 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-11
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. (GA)

XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Experian credit report. The amount is {$57.00} On XX/XX/XXXX I sent a dispute letter to Experian. On XX/XX/XXXX Experian sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Experian has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX thinks that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XX/XX/XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.
Consumer complaint received 2017-12-11
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: EQUIFAX, INC. (GA)

Equifax keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on Equifax. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

An account was originally deleted on my credit report from capital one which is being handled by XXXX XXXX XXXX a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-04-04
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: EQUIFAX, INC. (NC)

I disputed accounts on my credit report with XXXX and they updated the information as verified without explaining how and what information was just for the accounts to be verified, when the accounts are not really verified. 

RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 

I have never had any accounts with the company that the accounts is with on my credit report.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

This at one point was owned by another collection agency ... .i cant remember who at the moment ... .apparently it was sold to I C systems which recently placed this on my credit report ... but guess what they never send me a dunning letter/notice of right to dispute ... .Question if the last collection agency was not able to validate this debt how can I C systems just put this on my report with no 30 day notice? this is a clear violation and if this is not removed immediately i will be sending this to a consumer attorney and sending a complaint to the state attorney general
Consumer complaint received 2017-12-11
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)

My original complaint was submitted in XXXX, 2017. XXXX, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived.

I have been denied credit and housing because of this negative item as previously complained in XXXX.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XXXX  the money to the name and email address the illegid company told me to so I can purchase a puppy. Delivery was last Saturday and never had any communication with the carrier service they informed me was doing the transport. Called the company and there was no such transport under my name or confirmation number. XXXX the website to make sure legit company and there was no reports. After not getting emails from carrier and no such reservation for me I XXXX the website again and now it's flagged scam.