davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
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)

Between XX/XX/XXXX thru XX/XX/XXXX, I have been disputing an inaccurate account with Experian which has multiple errors. The account in question is with XXXX XXXX XXXX in the amount of {$19000.00}. 

Experian continues to report the derogatory data they alleged as verified by XXXX XXXX XXXX even though I have pointed out these errors. 
Some of these errors appear to be unlawful violations and/or non-compliance with the guidelines of the FCRA. 
A ) .Reporting a balance/past due amount of {$19000.00} on a closed charged off account which has been " sold/transferred. '' B. ) Charge Off amount {$28000.00} inconsistent with Past due amount reported C. ) Late Payments or Activity reported on a " Closed '' account after original Closed and/or Charge-off date D. ) '' Date of Last payment '' XX/XX/XXXX reported inaccurate ; not found in payment history E. ) '' Late payments '' reported inaccurate on XX/XX/XXXX and XX/XX/XXXX F. ) '' Date of Status '' never changed ; Evidence of Failure to do a " reasonable '' Independent investigation *See Additional documentation attached
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hi, I acknowledge the receipt of your email. I also acknowledgethat Capital One had refunded my money, however, following the return of my money to my account, I received an email from Capital OneXXXX XXXX notifying me that there has been a negative news report to my credit scores account by the credit Bureau which has affected my creditscores. That, my credit scores went down 38 pointsand if I have a question to call them! Surely I checked my credit scores to see it for myself what had happened. First, what I saw was that Capital Oneshowed that I have used 86 to 100 % of the credit line I have with Capital One ( Not to mention that I have not received a credit increase for a long time despite of my request for credit increase ) and that warranted a thumbs downmeaning it is possible that, that was part of the problem that lowered my credit scores. 

I did not find any new reported account issues as of XX/XX/XXXX, which might have affected my score to that extent of slashed down 38 points. I discussed with them what I think and believe had happened following my complaints against Capital One, that to me that is a retaliation for reporting their ( Capital One ) unlawful practice. Although Capital One claimed to have nothing to do with reporting anything to the Credit Bureau that will impact the loss of 38 points, Iview the matter differently, and I have confidence that because XXXX XXXX via XXXX XXXX part of my service with Capital One Bank to monitor my Credit scores of which every month they notify me of any changes in my credit report. Mind that, there has notbeen a new negative report for the past six months according to their alerts. And that was how they reported for the Month of XX/XX/XXXX that " everything looks good, nothing negative reported '' ... that was before filing my complaints towards the last week of XX/XX/XXXX. 

The negative derogative accounts have been there forsometime even though I have disputed them but never received responses from the three Credit Bureau and did not slash my score down. I don't remember any other time that I have suffered a credit report point loss like that in recent memory. Only after I finished car payments in XXXX that I lost 100 points from my credit scores and when I askedwhy, they told meit was because I did not have any other dept to pay to report to the Credit Bureau. 

I suspect that the slashing down of my credit score is a retaliation for my complaints against Capital One, and I would like to request investigation to this issuetoo. 

Thank you, XXXX XXXX.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cadence Bank (LA)

My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX  and made matters worse, as I am still dealing with the XXXX of my father.
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have sent over several disputes to XXXX, Transunion, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACCOUNTS ADVOCATE AGENCY (PA)

Fuel oil delivery XX/XX/XXXX, paid Furnace servicing XX/XX/XXXX, paid ( Which included, as indicated on their website at the time, inspection of the oil tank and replacement of oil filter and any parts necessary ) Refill oil tank XX/XX/XXXX, paid Emergency visit to repair XXXX XXXX XXXX  error XX/XX/XXXX XXXX XXXX XXXX  negligent services allowed a fuel oil leak to occur on my property not 2 weeks after inspecting it. They have contacted my family in attempt to collect funds from me. They mishandled my customer account information, placing it in the subject line of an email and sent it to my parents. 

Today, XX/XX/XXXX, at XXXX, while at work, I received a call from a person claiming to be from " XXXX XXXX ''. The name given was XXXX XXXX. I now see this name ( XXXX XXXX ) on a document sent to me from Accounts Advocate Agency, the collections agency attempting to collect from me. 

This man yelled over me that I let him speak. After he was finished, I attempted to respond. As I spoke, he continued to yell, and claimed that I had no manners. I was attempting to inform him that his information was incorrect, but his emotional and angry demeanor leads me to believe he was simply misrepresenting his claim and trying to scare me. I was then put on hold for some time. I hung up and called back because I wanted his name and the name of the supposed law firm. ( I was shaken by the earlier call, and I could not recall the name of the law firm, and I can not remember if this man gave his name previously. ) He gave me an amount he would settle for. When I asked if his reason for contacting me was to collect a debt, he would not answer, claiming that I was threatening him, and he hung up on me. I am entitled to this information by law. He would not provide it. 

Accounts Advocate Agency misrepresented themselves to me as a Law Firm. They misrepresented the services for which they were attempting to collect. The representative, XXXX XXXX, was abusive and insulting. I had also previously sent them a request to provide validation for the debt that they were trying to collect, and cease all other communications with me. I used the letter template from the CFPB website. A bill was provided with charges for " Balance Forward ''. No details provided, no signed agreement provided. 

I feel that this company is guilty of numerous violations ie, Imporsonating an Attorney, Using Abusive Language, Contacted me after I requested no contact. 

Further documentation will be provided to CFPB upon request. I have most of the paperwork at home, and I am currently at work.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

( USAA ) On XXXX XXXX I experienced wire fraud and {$10000.00} was stolen. While I have been waiting for my local police to conduct their investigation. Ive been doing my own investigation and constantly reaching out to USAA for the past XXXX days. And in my eyes nothing has been done. All I know is what I was told by the representatives, that they tried to do XXXX recalls shortly after the incident. I come to find out that the recalls were unsuccessful and was told that my case was being escalated. What does that mean in detail, no one has been able to give me any information on whats the next steps are. I was finally able to reach the CEO office after days of calling. The individual who I spoke to advised me that someone will be contacting me by phone to give me some type of resolution. But I have yet to receive a phone call from a manager or from upper management. Up to this point I have been getting the runaround and have no clue how Im going to get my money back. When I ask how long does their investigation usually take I was told by multiple representatives it can take up to three days. That must not be true because, my situation still has not been resolved and its been way beyond that timeframe. I have XXXX young children and bills to pay and I dont know how Im going to feed my kids at this point and how Im gon na pay my bills. Because USAA is taking their sweet time to help me get this resolved. I will be taking legal action against the company!
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TN)

I am a victim of identity theft. Someone used my information and ran up medical debt in my name. DEBT RECOVERY SOLUTIONS recently placed a collection account for an original creditor named XXXX XXXX XXXX  XXXX on my credit report. This debt is not mine. I have never been to XXXX XXXX for any purpose ever. I have contacted XXXX XXXX and informed them that this debt is not mine and was informed that I would need to contact this debt collector and let them know.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-04-02
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. (MI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-02
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. (SC)

XXXX XXXX the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act XXXX 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 customer reporting agency can not furnished a account without my written instructions
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XX/XX/2021 there was a {$3.00} fee charge for a non Huntington ATM balance check but it was only a cash withdrawal that was performed. The {$6.00} fee, while absurdly high, is the only one that should have been charged for this ATM transaction. With access to the app and website there's no need to check anything at the ATM.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the XXXX, when an XXXX identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

Here are the details of the following accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2021-02-01
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. (TX)

on XXXX I sent in a letter to validate accounts on my credit report, they did not resond. I sent in a failure to respond letter on XXXX it's now past 45 days and by law it must be removed!
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

The issue is this : payments I paid to Amerihome Mortgage Company in escrow to be used for payment of real estate taxes in XXXX are being wrongfully withheld by Amerihome since XX/XX/XXXX, and not used to pay the taxes. 

I have attempted to go through the proper channels and provide Amerihome Mortgage with all the proper documentation and contact information indicated to resolve Amerihome Mortgage not paying my XXXX property taxes in a timely manner. Having originally contacted them about this issue in early XX/XX/XXXX, and launching multiple phone and email inquiries from XX/XX/XXXX through XX/XX/XXXX, I feel I have no other recourse but to file this complaint with the CFPB. The original total due in XXXX, XXXX was {$8100.00}. Amerihome continued failure to pay resulted in added penalties and interest, so now as of XX/XX/XXXX the TOTAL DUE is {$11000.00}, with penalty and interest continuing to accrue. I am afraid that a tax lien will be filed, and my credit report will be damaged.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I deposited {$5800.00} into my checking account with a check from a company that I had made recent deposits from and the teller didn't tell me there would be a hold for 7 days on the funds. They told me this 24 hours later on a Saturday when the XXXX involved was not in the office. They would not give me a reason why the funds were held and left me with no explanation and a 7 day wait for my money which will cost me a late fee on my mortgage, overdraft fees etc..
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a credit card with Bank of America which was settled with a charge off. I paid XXXX in XX/XX/XXXX at which time the account was closed and the remaining balance was charged off. This would make this account XXXX years old in XX/XX/XXXX. I have called Bank of America and filed a dispute with all of the major credit bureaus ( XXXX XXXX, XXXX and XXXX. ). XXXX and XXXX said they will not consider deleting this bad debt from my report until XX/XX/XXXX. Bank of America has not provided any potential dates to have this removed.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ND)

Wells Fargo sent me notice of add on packages back in XXXX We have been trying to settle this and in the process Wells Fargo determined that we had 12 bank accounts in their system. after they researched them it was verified by me and my wife that only 2 of the 12 were valid which leaves 10 unanswered. As we spoke to the Wells Fargo representative ( XXXX ) he was not able to give us any information about the 10 accounts other than they were closed. He stated that they could only go back 7 years and they would not be able to give me any information other than they are now closed. We discussed the settlement for the add-ons and during that session they were able to come up with paperwork when we first opened the account in XXXX. I am very worried and affraid of what information is out there as you need Driver License, ssn, address, and other personal information which includes my wifes info. They have not and refuse to accept what has been done by their employees and refuse to even acknowledge there is a problem. I have seen and researched that there should have been a notice sent to me, but have not recieved anything.
Consumer complaint received 2021-11-11
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: MoneyLion Inc. (NJ)

XXXX - XXXX  XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Moneylion Inc XXXX XXXX, XXXX XX/XX/XXXX I have contacted this company multiple times with regards to this fraudulent account Moneylion Inc - XXXX, XXXX XX/XX/XXXX I contacted this company and was told no information with regards to my account