davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on the beginning of this pandemic, I applied for a job that turned out to be a scam. 
i had a check deposited into my bank of america checking account, and the check was cleared after almost 2 weeks. At this point, i thought i wasn't even employed anymore, so long i had my " boss '' waiting for that check to be cleared. 
turns out one day, after a few errands that we ran, bank of america called saying that it was a fake check, and that I had to return the money to the account, money which i have not benefited from. 

they blocked my account and credit card, and the funds that I had there.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.
Consumer complaint received 2016-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (SD)

I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. 

I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? 

Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.
Consumer complaint received 2020-07-13
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)

On 4 different times : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as XXXX ; plus one of them as XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX accessed my credit file with Transunion, without my permission. This fraudulent activity was reported, as well as fraudulent activity with my Credit Card. My card got cancelled 5 times, but the inquiries are still on my report, after several times disputing them with transunion and the bank. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent to them regarding this fraudulent activity. XXXX was deleting them, without the need to go to small claims court. As up to date, Transunion shows the 4 inquiries still, meanwhile the other 2 CRA deleted them already. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion Is neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (UT)

IQ Data is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt was reporting but this is just so frustrating. I used to live in XXXX XXXX. They told me that my lease was up and my rent would go up to stay and I had to either move out or renew my lease. I decided it was best for me to leave as their new negotiations were no suitable. So I moved out by the date that they had advised. However, now they are saying that my lease was not up and I moved out before the date set?? I got two very contradictory statements and they never mentioned my lease not being up before I had moved out! I was told my lease was up otherwise I would not have moved!! This is not my error and this needs to be removed.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation (WA)

To whom it may concern, I received notification of a debt from a debt collector in XXXX. The original collector was XXXX XXXX  XXXX in XXXX WA. I never used services from XXXX XXXX XXXX and took almost six months resolving this issue and getting this removed from my credit report. In XXXX this appeared on my credit report again, this time from a different debt collector named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX. 
I attempted to resolve this fraudulent account with XXXX XXXX XXXX and was treated rudely every time I contacted this company. My written correspondence to this company was ignored and as a final attempt I am reaching out to CFPB to resolve this issue.
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

( Please Note : While this transaction occurred several years ago, I was apprised of the truth within the last three months. ) In order to prevent the foreclosure of my home in 2011, a family member secured the {$12000.00} to be paid towards the mortgage loan, as communicated by a Wells Fargo loan officer, and went to a local branch for processing. However, what was later revealed ( and corroborated ) was that most or possibly all of the funds were only applied to the lender 's attorneys ' fees, and Wells Fargo went ahead with their foreclosure regardless.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a credit card with Capital One with a XXXX expiration date. I contacted them on XX/XX/XXXX to ensure the card is still active. I was advised that they had cancelled the card effective XX/XX/XXXX. They claim to have sent me 2 notifications by mail, which I never received. They have a valid e-mail address for me and had sent me other notifications via that method yet opted to communicate only through mail. As the card was cancelled without my authorization, but theirs due to their perceived lack of usage, I lost rewards dollars of approximately {$61.00}. They claim there is no way to credit me that amount in any form as the account is closed. I find this hard to believe as they would have the ability to lace a credit on the account should I get a new card ( which is foolish as they should never have cancelled my card in the first place ). They also had the arrogance to tell me I need to contact them when I do not use their card so they can indicate this in my file. I did not realize that I work for them. With a deposit account, my balance would be escheated to the state and I would have an opportunity to claim it, but with their rewards program they get to keep that money which I earned through using their card. Further, the reason for obtaining their card in the first place was the rewards program. All communication except the final denial was verbal.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

XXXX I tried to do a investment using the XXXX app. Then went to link my account with PNC to see that I cant due to some privacy policy change. I use XXXX  to save money and am really disappointed I cant.
Consumer complaint received 2017-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote Transunion,  XXXX , and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd  party is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX XXXX, there were XXXX isolated fraudulent credit card charges on my XXXX credit card account, an account which I opened in XXXX. At that time, I contacted XXXX about the charges, and XXXX replaced my card. I subsequently contacted TransUnion to request that a security freeze be placed on my account. I did NOT dispute the XXXX account, but TransUnion contacted XXXX and required that my account be closed. Further, my 11 year XXXX credit history was entirely removed from my credit report without my consent. On XXXX XXXX, XXXX, I contacted TransUnion and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that TransUnion was responsible for the error. She stated that I would need to contact XXXX to have the account reinstated, and then TransUnion would update my credit history. XXXX, however, has refused to reinstate my account because they were ordered by TransUnion to close it. I am caught in a XXXX and have tried working with XXXX, TransUnion, and XXXX All XXXX companies tell me that they have no power to reinstate my account ; therefore, my credit history is inaccurate. Because TransUnion made the initial error, I believe it is their responsibility to work with XXXX and the other credit reporting agencies to correct it. I would like my positive credit history with XXXX to be reinstated on my credit report and my XXXX credit card account to be reopened.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A few years ago XXXX XXXX had not credited two payments I made on their online system. They reported I was over 30 days late to the credit agencies. This was not true. I had proven the payments were made. 
XXXX agreed and sent me a letter to corroborate this. I had to make a prior Complaint to your agency to get this off my credit report. Now I applied for a Mortgage and it was denied due in part to this false entry still existing on the credit report from Transunion.
Consumer complaint received 2021-09-02
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. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX I received a XXXX XXXX XXXX from Capital One for {$300.00} with an aggressive interest rate. I paid that amount back but Capital One continued to move forward with late fees and such despite my telling them that I paid the {$300.00} back and was now suffering from a brain injury. It was charged off in XXXX, per a phone call I took today from the Capital One Appeals team. 

Now, in XXXX, I was served papers for a suit where Capital One is claiming I had a credit line of $ XXXX. This was on the repair side of a bankruptcy and, no, I never had a credit card from Capital One for XXXX. I suspect, they compounded late fees and interest to craft an amount that would be worthy of investing in court fees and legal counsel. I am convinced this is a needlessly aggressive amount and the lawsuit for the incorrect amount is simply compounded interest made for the convenience of Capital One and in hopes I would be easily bullied due to my brain injury. 

I am not. Instead of " rolling over '' I filed an Answer to the XXXX County Circuit Court -- explaining the above -- and also spoke to the XXXX XXXX handling the debt collection. 

I only ever received a credit card for {$300.00} on the recovery end of a bankruptcy case. I paid that back but the answer I sent to the court would be to pay the {$300.00} again despite being unemployed and supported due to COVID-19 recovery efforts. 

Meanwhile, I'm suddenly now ( in XXXX ) getting calls and letters from Capital One for the wrong amount owed now in despite the five years of silence between the " charge off '' since XXXX. 

There is something very wrong here. 
( I NEVER had a card from them for $ XXXX! )
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

This complaint is regarding PHH Mortgage.

I received a check from PHH Escrow Analysis Department on XX/XX/XXXX with the check number XXXX. The value of the check is {$6700.00}. 

I forgot to cash this check that time. 

I have been working with XXXX since XXXX, XXXX. Up to this point, I have not been able to get this check reissued. 

I called on XX/XX/XXXX, spoke with XXXX, ID # XXXX. He promised me he will take care of this. 

I didn't receive any check, by XX/XX/XXXX, I called again, and spoke with XXXX, ID # XXXX. I got the same promise. 

I didn't receive any check, by XX/XX/XXXX, I called again, spoke with PHH representative whose ID # is XXXX. I requested to speak with supervisor, and I was transferred to XXXX, ID # XXXX from PHH 's Escalation Department. XXXX requested me to email him details of this check and he promised me he will take care of this. I emailed him with a scanned check image on XX/XX/XXXX. 

I still had not received my check by XX/XX/XXXX, two weeks after the last call. 

By XX/XX/XXXX, I called XXXX again with his extension, XXXX. There was no answer, I was transferred to XXXX, ID # XXXX. XXXX told me that my check was issued on XX/XX/XXXX with check number XXXX. XXXX also told me I should anticipate the check in about 10 days. 

By XX/XX/XXXX, I still had not received my check. I called again, spoke with XXXX, ID # XXXX, this call was somehow disconnected. I called again and spoke with PHH representative, ID # XXXX. He promised me that he will check with the Escrow Department and will call me back on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from XXXX, ID # XXXX. He requested me to wait until XX/XX/XXXX. If I still have not received the check by then, he would send an overnight mail with my check on XX/XX/XXXX. 

I still had not received the check by XX/XX/XXXX. I called PHH again on XX/XX/XXXX, and spoke with XXXX, ID # XXXX. He promised that he will reach out to XXXX. He also told me PHH should be able to issue an overnight mail with my check with no problems. 

By now, It has been 3 months since working with PHH to get my money back. I still have not got anything. 

Thus, I am submitting this complaint to CFPB now.