davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (NY)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

In XX/XX/XXXX I was contacted by debt collector " XXXX XXXX XXXX  '' in regards to an alleged debt of {$560.00} from creditor : XXXX XXXX Co of NY. After requesting verification of debt from the above listed company and not receiving anything from them, I filed a complaint against them via the CFPB portal ( complaint ID XXXX ). " XXXX XXXX  XXXX  '' as well as another collections agency, " XXXX XXXX XXXX '' were both falsely reporting to the three major credit bureaus that I owed different debt amounts to this creditor : XXXX XXXX Co of NY ( Complaint ID XXXX ). After disputing both companies via the CFPB portal and filing complaints, they were both resolved and both companies removed the false collections accounts from my credit reports. 
On XX/XX/XXXX I was contacted by " Sunrise Credit Services Inc '' in regards to the SAME ALLEGED DEBT! The Creditor this time is referenced as : XXXX XXXX for the debt amount of {$560.00}. I am being harassed for a debt that is NOT MINE and I have now been contacted by this third collections agency in regards to this debt. This debt has already been disputed, dismissed, and resolved. This third collections agency is also requesting payment via western union or moneygram????!!! Im tired of being harassed for a debt that is not mine.
Consumer complaint received 2022-02-19
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. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian 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 are the items that are reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$630.00}
Consumer complaint received 2022-02-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (MA)

American Express refuses to update my balance. The balance being reflected on my credit report is 3 months old. I am applying for a mortgage and this is holding my application up. My current balance is {$230.00}. The balance is being shown as over {$700.00}. 

The credit reporting agency was quick to report when I used more credit but all XXXX credit agencies are reporting balances that are 3 months old. I need help. Thank you.
Consumer complaint received 2022-02-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, has violated my rights. 
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
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (AZ)

I received a letter from Credit Corp Solutions on XXXX XXXX, XXXX. It says they are writing to inform me of my account being referred to their pre-legal department. They have been unsuccessful in establishing a resolution to my account and have not received any significant payment from me to reduce my outstanding balance of {$2600.00}. Please note that your account meets our legal referral criteria and is eligible to be referred to an attorney. If payment is not received we will be sending your account to a law firm to be reviewed by an attorney for possible legal options. If you are unable to make the full payment or have any queries in relation to your account, you should contact our pre-legal department immediately working reference # # #. This communication is from a debt collector. This is an attempt to collect a set and any information obtained will be used for that purpose. 

I received a call in XXXX to settle this debt from XXXX XXXX. While I was on the phone with the credit collection agency, not sure if the same one, I set up a payment plan to pay off this debt. I believe I have already paid on this debt.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (SC)

In XX/XX/XXXX, I contacted the CFPB about a problem I was having with my mortgage servicing company, FCI Financial Services , Inc., XXXX, Ca.My loan had been modified, but, the loan statement never was updated.In XX/XX/XXXX, the CFPB got a letter from FCI stating that the loan had been reworked and I was to continue paying new balance of {>= $1,000,000} to be paid in full by XX/XX/XXXX.In XXXX of XXXX, I was going to pay my monthly payment on FCI website.When I navigated to their website, I was astonished to find that the loan had never been changed.I have a copy of the letter from FCI stating the loan amount is $ XXXX.I tried to discuss with FCI, but, I never got anywhere with their collection department.I had a XXXX XXXX in XXXX of XXXX.I was ready to pay off loan, but, had to change directions.Now, I have the money topay off the {$18000.00}.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (PA)

I sent a affidavit to Kay Jewelers telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX is trying to collect a credit card debt that is not mine. Someone stole my information and opened a Capital One Union card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
Capital One has been trying to take money out of my XXXX bank account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with Capital One and now XXXX XXXX XXXX XXXX XXXX is calling my wife for payment.
Consumer complaint received 2015-12-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help.
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received ( 4 ) emails from a legitimate email from Bank of America, saying I had an online application in process for a Bank of America Advantage SafeBalance Checking account. 

I never opened an account and haven't held an account with BoA since XXXX. 

I called BoA, they put me through to the checks systems team who helped me close out the account but they did let me know that someone would have needed my FULL social security number to open an account, so there is obviously a major security breach somewhere.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) Thank you!
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Background : My father and I have exactly the same name, except I am XXXX and my late father was XXXX   ( Neither one of us typically use XXXX or XXXX ). My father & mother opened a joint credit card account in XX/XX/XXXX. My father then passed away in XX/XX/XXXX. My mother kept that joint credit card open. My mother passed away in XX/XX/XXXX. When I went to her bank branch to inform them of her death, the customer service rep. wanted me to prove my identity and asked for my drivers license and verify my social security number while he typed away on his computer. Our attorney probated legally probated her estate with proper notification to creditors in the papers. The bank put in a claim against her estate for the joint credit card in my parents name. The attorney contested the claim giving the bank the opportunity to re-state their claim. The bank did not reply within the legal timeframe and lost out on their claim. Several months later I got my parents credit card bill mailed to my home address with my name on it. Since I also had a checking account at the same bank as my parents and had given the customer service representative my social security number, they had all my information. When I contacted the bank about my mother and father 's credit card bill, they stated that it was MY bill with MY social security number on the account! Someone at the bank had illegally changed their electronic records and changed my father 's social security number to mine. I sought the advice of an attorney who wrote a letter to the bank demanding proof of the debt and all they could provide were past billing statements that were sent to my mother 's address but suddenly had my name instead. I have fought and fought with the bank and they wrote off the debt in XX/XX/XXXX, but also turned it over to a debt collection agency. I have had several of them contact me or sell the debt to other collectors. This has hurt my credit as well as caused me a lot of emotional stress especially after burying my last parent. The bank refuses to give me the original documents that my father and mother signed which would show his signature and social security number. And I did not " Co-Sign '' their credit card. What the bank did is illegal. Bank of America did remedy the original complaint and removed the debt from my name and the 3 Credit Reporting Agencies. Now Bank of America has reported to the 3 Credit Agencies the " Write-Off '' of {$5500.00} to MY Credit affecting my credit and score again. The Write-Off should not be under my name as the original credit card debt was not mine, it was my parents as originally stated in the first complaint. Also, when I applied for a Credit Card through Bank of America I was denied because of this write-off.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Elly, LLC (TX)

I was approved for a {$1000.00} installment loan. The lender has my bank account number and routing number as well as my social security number and other personal information. 
I was just informed that even though I was approved for the loan they have decided not to fund it. No reason was given but I strongly suspect they are discriminating against me because I am XXXX.
Consumer complaint received 2017-07-25
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. (TX)

In  XXXX     2017, I sent  a request to each Experian,   XXXX   and  XXXX   XXXX  regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows : Experian : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert   XXXX   : Has failed to make any response to the request.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

We are working with a local Bank here in XXXX, Wyoming to get our Interest Rate lowered and the Bank submitted a Title check of our Loan and found that the previous Mortage Holder of our Loan ( XXXX ) that went Bankrupt during 2008 the loan was acquired by Bank Of America and has us with the Inital Loan not being eliminated.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Bank of America to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Bank of America put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX.
Consumer complaint received 2018-12-03
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. (FL)

Contacted Experian with a companies ilegal reporting of an account that is 14 years old, the company has illegally re-aged the debt to reflect current activity reflecting the last 6 months as the debt being past due. The account has been resold various times and each time the company fraudulently reports outdated information as new to damage my credit And experian fails to properly investigate or block the information according to FCRA law. 

Company is XXXX XXXX XXXX XXXX which is not the collection agency legal name, and the address is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Opened XXXX I have been denied credit and had to pay a higher interest rate on car purchase because of this ilegal reported item. 

Experian Fails yo remove the item
Consumer complaint received 2015-07-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!!
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

I tried to pay off my Citi credit card in XXXX and got a check from my credit union to pay off the balance. I sent in the check with the payment coupon on XXXX/XXXX/2016. I checked a few days later and I still had a balance. I waited a few more days and checked back, still no payoff. I called and was told it would take 7 - 10 days to post, to call back then. I kept checking and nothing. Finally near the end of XXXX I called the credit union to put a stop on the check and was told it was cashed by Citi on XXXX/XXXX/16. I called and emailed a dozen times and still got nowhere. I sent a copy of the cancelled check and was told it would take 30 days to research. Finally the check was located on XXXX/XXXX/16 and kept checking to see if it was posted. I called last night and was told it would take 30 days to post to the account. That is 60 days from the date I sent the payoff check. In the mean time I am accruing interest and having to make payments to stay current while the " find '' my lost check.
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (NJ)

I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Inquiry from XXXX XXXX, 2015 that I did not authorize. When I stopped by XXXX Texas store I was told very clearly that no credit report would be pulled and that my information was being used solely for billing purposes. Have unsuccessfully disputed this illegal inquiry with CRA 's and XXXX.
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (MI)

Calls up to XXXX times in a week, saying " If you do n't respond to our calls for our debt collection, we ca n't be responsible for you going to jail. '' What debt? I 've asked them who this XXXX or XXXX is, they get snotty with me, tell me to confess I 'm what 's his name and tell them my address, insert unknown name here. And then they 've said, " We 're just going to blow up your phone, so you might as well start by sending us XXXX XXXX dollars as your first payment. '' Payment for what? I do n't owe these clowns or anyone one else anything. Tell them to stop threatening me and stop making ANY contact!