davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Bank is engaging in deceptive practices with their customers savings accounts. They created a new savings account with a slightly different though similar name to the legacy savings account ( named XXXX savings ' ) when interest rates began to rise ( named 'performance XXXX savings ' ). They gave higher rates to the new account type performance XXXX savings, while keeping rates low for the legacy accounts XXXX savings, so any customer that did not notice this lost out on hundreds of dollars of interest as rates began to rise. Capital One gave no notice of this change in accounts, and many people thought they were getting the higher advertised rates who had prior accounts. 

The problem is described here XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX ( XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text message from a number XXXX saying my Bank of America XXXX debit card placed on HOLD due to unusual activity. Visit : XXXX. I did not click on that link and not sure if this number is legit.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

My name is XXXX, but I am NOT any of the many XXXX a company called Portfolio Recovery keeps calling me about. I have asked them to take me off my list, yet I continue to get calls for XXXX who are not me and not known to me.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (TX)

I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.
Consumer complaint received 2022-10-02
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: Continental Finance Company, LLC (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WI)

I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I opened a Citi checking and savings account on XX/XX/2019, using the promotion hat is currently acive here : https : //banking.citi.com/cbol/checking-tiered-offer/default.htm I applied for the {$400.00} bonus for depositing {$15000.00} or more, plus a now-inactive bonus for an extra {$100.00} for making two deposits. I deposited a total of {$1000.00} into the checking account on XX/XX/2019 and {$15000.00} on XX/XX/2019, and moved {$15000.00} to the savings account on XX/XX/2019. I waited the 60 day period for maintaining the balance. Then I waited the 90-day period for the amount to be credited. When this amount was not credited after the 90-day period, I called several times to ask for an explanation. 

On one occasion, I was told that I had fulfilled the requirements and that the full amount of {$500.00} would be showing up in my account within the next week ( roughly around the first week of XXXX ). I called again in the third week of XXXX and was told that I needed to verify the code for this promotion, which I never received and they had no way of telling me how to find. I provided the link to the currently active promotion but was told that would not work.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (GA)

My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.
Consumer complaint received 2022-08-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 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 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To whomever it may concern, XXXX Under Section 168 FCRA i am disputing the address associated with the original contract, this address does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow. 

I Also request the creditor to provide the ORIGINAL CONTRACT bearing my signature and verify the disputed information under the fair credit reporting act. 

Please note I have previously disputed this information by certified mail TWICE with the creditor 25 days prior and have received no response, below is the tracking number of my second by mail dispute. And a copy of my credit report. I XXXX XXXX solely submit this complaint. 

Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.
Consumer complaint received 2022-08-25
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I refinanced my home in XX/XX/2020 and my new lender through a title company paid the previous lender ( Flagstar Bank ) in full on XX/XX/2020 via the " payoff '' amount that was provided by Flagstar. However, Flagstar has refused to payoff the mortgage citing they need to inspect my home before they will accept the payoff. They are no reporting me late to the credit bureaus and threatening me with foreclosure. They have given me documentation that shows they have my {$400000.00} payoff and they admit they received the funds via federal wire on XX/XX/2020 but they refuse to payoff the loan. 
Now according to the county recorder I have 2 mortgages because they won't process the payment and my credit scores are destroyed tumbling over 100 points, this is threatening my ability to borrow, my application for student loans have been rejected for my children and it could affect my employment.
Consumer complaint received 2021-11-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-08-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (TX)

I accepted a forbearance plan offered by my mortgage company Loan Depot. Forbearance plan ended XX/XX/XXXX. At the end of my forbearance plan my loan was sold to a different division of Loan Depot. I tried and tried to make payments but was not allowed because they needed to do loan modification and give me a new payment to make. They couldn't give me an amount to pay or tell me where to make a payment because they weren't done transferring my paperwork from the first division. Months went by with no communication and when I called I would get the same answer. We are still working on your loan we should have answers soon. They sent me more paperwork to sign regarding my forbearance in XXXX. To which I signed and sent back. Now we are in XX/XX/XXXX and the answer I received after multiple phone calls was that " you should hear something from us by XXXX or XXXX ''. I called during this time because I am now getting people coming to my house trying to buy my house because they say it is in foreclosure. I called loan depot at the end of XXXX once again. Customer service did not see anything about foreclosure in my loan notes. Yesterday when I got home from work I had a card on my door saying we just bought your house at auction. I called loan depot this morning and after many times on hold and customer service rep scrambling. This is true. They sold my house without letting me make payments after my forbearance ended. I have been trying to make a payment with Loan Depot since XX/XX/XXXX. I am now being told they can not help me because they no longer own my house. They sold to an investor named XXXX XXXX with XXXX. XXXX in TX, XXXX. I have no idea what to do now. I have been in this house for 16 years.
Consumer complaint received 2020-04-21
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. (PA)

Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2017 Balance XXXX
Consumer complaint received 2016-12-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC (GA)

XXXX, have created an inaccurate account with identity theft violating the fair reporting act and the reporting transaction act.name XXXX XXXX XXXX and XXXX XXXX charging us both for non active accounts enrolling us as married.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

On or around XXXX XXXX, i contacted my mortgage company and followed their phone prompts regarding their COVID relief forbearance process. The phone message said their would be no negative credit reporting during forbearance if it was approved. after i few days, i heard nothing from the company until I received a call from a mortgage broker who was helping me conduct a refi for a different home i own. he said the credit report stated the loan was in forbearance and indicated this was a problem and would not be able to do the refi. Under the COVID forbearance/CARES act, there should be no negative reporting, but this mortgage company reports " forbearance '', which is negative in its impact to my ability to get another loan or other favorable credit decisions like passing a credit check for an apartment lease. I asked the company to stop reporting this as forbearance and they said they would not. I said this is stopping me from moving into a new home and refinancing my rental home. the reporting is going against the stipulations and the spirt of the CARES act. I may need to dispute the entire account on XXXX  or end my forbearance with the mortgage  company because it is causing more damage than it is helping.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd. (IL)

Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery harasses me about 6 times a day. I block their number and they find all my numbers and repeatedly and rudely harass me about a debt. Ive asked them to stop and told them Im in the process of bankruptcy and have a lawyer for that. They wont listen and when I block their number they call back with another one.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
Consumer complaint received 2022-10-02
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. (FL)

Equifax and XXXX say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED