davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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)

I ordered a copy of my report in XXXXXXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, comments and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (IL)

I have had a Macy 's credit card for years. I was emailed a statement notice on XXXX/XXXX/XXXX. Previously, I have paid when notified without question, but this time I knew I had not used my card in a very long time. I thought maybe someone had fraudulently used my card. When I looked through the past statements, I found that I have been being charged a minimum {$2.00} per month interest charge even though I have not purchased anything on this card. Is this legal?? This makes me wonder how many times I have paid this questionable charge unknowingly. I can only see the last six months online, and all dollars I have paid to Macy 's within this time frame have been strictly for this charge. I suspect they may have been posting this charge on my account for even longer. 

I fully paid off my balance owed XX/XX/XXXX, and since then I have not made any purchases, I did not expect to have owed anything. I only have made payments when Macy 's emailed to notify me. I also noticed that Macy 's has dropped my credit limit to {$100.00} from {$600.00}, surely due to my late payments of these questionable interest charges. How is it I am being charged interest on nothing purchased? Once I paid off my balance in XX/XX/XXXX, I was still assessed this iffy charge XX/XX/XXXX, and then monthly ever since. I will attach a copy of the statement showing I had paid off my balance fully.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (PA)

CFPB disputed an inaccurate account on my credit report with XXXX XXXX After CFPB contacted XXXX XXXX the vice president of XXXX XXXX XXXX XXXX sent me a letter telling me he sold my account to Calvary Portfolio Services and that I needed to deal with them. XXXX XXXX could have easily contacted Calvary Portfolio Services and let them know that the account was open via Identity Theft but chose not to although CFPB sent the police report and all supporting documents to XXXX. I actually think the account was sold after XXXX received first correspondence from CFPB. Please have Calvary Portfolio Services remove this from my credit report immediately.
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX and Experian are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.
Consumer complaint received 2015-04-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Bessemer, Inc (AL)

Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This complain is a continuation of the previous complain. 

The last complain number is as follow : CFPB Complain ID : XXXX-XXXX  Capital One CID : XXXX With the last response, Capital One only said what is happen. The Capital One have not solve the problem, and still hold money in Capital One account. 

Capital One asked XXXX get money back. The check maker spoke with her bank - XXXX many times, but XXXX doesn't want to do anything with the case. XXXX said the check is real, the check 's signature is true, and the check has already cashed 8-9 months, they couldn't get money back. 

Now this case is a circle. Capital One ask XXXX get the money back. And XXXX doesn't think any problem with the check and ask us have Capital One solve the problem. 

So I require Capital One send money back to my account or send to check maker 's account.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

RPM is calling me at work, they were told they can call this number yet they continue to do so. I had my legal representative try to call them. He tried twice and he was disconnected by their " operator '' after telling her, on a recorded line, they do NOT have permission to call and offerring to send his Power of Attorney
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NC)

I am having issues with PayPal putting a hold on the payments that I make on the PayPal Extras Mastercard everytime I pay more than the minimum due. For example, I recently paid the full statement balance of XXXX on the bill that was due on XXXX/XXXX/16. It cleared my account at XXXX XXXX XXXX on XXXX/XXXX/16 but as of today, my PayPal Mastercard shows {$0.00} credit available. The account reflects the payment I made and I have a credit line of {$2700.00} but it 's still showing I have no credit left. I called yesterday and they said they can not release the credit
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC (KY)

On XX/XX/2021 Certegy declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have 2 Capital One accounts which I was trying to close and have the balance transferred to another lender. I was told that the balance transfer will not cost anything. Turns out it was not true. They charge 22.8 % My second account is a master card. I called from Friday XX/XX/XXXX till Sunday evening to have them stop the charges on the account, promised but it never happened and the account was charged an additional {$600.00}. 

The last representative I spoke suggested to hire a lawyer because they won't be able to help of any of my requests.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.
Consumer complaint received 2020-10-08
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc. (UT)

To be honest the closest description would be lack of information because I have not received any notification in 4 years that I have an outstanding balance. I did not even know this debt existed up until about about 4 months ago. It almost seems like they 're letting the interest build up purposefully. I can not verify from either parties if this debt is even mine because I have not heard a peep from either of them.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services (CA)

I received an email from  XXXX  stating they 've identified a change in my credit report this afternoon at  XXXX . I visited the  XXXX  website to see what the change was and it was a hard inquiry from Clarity Services  Inc  on the behalf of  XXXX  capital. I have never applied for any credit or loan form either company. I called  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   to see where they got my information from to run my credit and all  XXXX   XXXX   (  floor  XXXX  ) stated was that the application was denied and she could not tell me anymore information. I am asking that this inquiry be removed from my credit as I have never applied for any loan or credit with this or any other company.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NE)

These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number. 

XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to us.
Consumer complaint received 2015-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Once again, FOR THE NINTH CONSECUTIVE MONTH, the incompetents at Ocwen are screwing up my account. On XX/XX/XXXX, I sent my XXXX XXXX payment in the amount of {$1000.00}, Ocwen Tracking number XXXX. On the same date, I sent an additional principal payment of {$1100.00}, Ocwen tracking number XXXX. The MORONS at Ocwen credited both amounts to additional principal. As of today, they have noted on their web page for my account that the XXXX XXXX payment is past due and have added a late charge. Since XX/XX/XXXX they have failed to properly account for the funds I submit EACH AND EVERY MONTH, until I contact them and tell them how to do their job. This is gross negligence and incompetence. THERE IS NO OTHER RATIONAL, LEGITIMATE EXCUSE.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account  in dispute are listed below XXXX XXXX XXXX  I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (PA)

I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.
Consumer complaint received 2015-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

I have attempted for the last 2 years to work with Ocwen loan servicing in reviewing to modify my current loan. Each time they contact me they claim they have not received any of the paperwork I have faxed/emailed/mailed. This company can give me no reason or resolution as to why they have not received any of my paperwork and due to this they cant move forward with any assistance on the loan.
Consumer complaint received 2016-11-01
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have requested from my current mortgage company, Dovenmuele, to remove my PMI due to upgrades we have made to our home. There has been much back and forth an appraisal has been completed and they will not remove it.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BANK OF AMERICA CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T " HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. BANK OF AMERICA REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (DE)

The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this.
Consumer complaint received 2021-10-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors have reported inaccurate/unverifiable inquires to my report which is incorrect, and I am asking this be deleted immediately.
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Received a phone bill from XXXX, stating that I owed XXXX in XX/XX/2021. Never had an XXXX account nor any of my family memebers. Called the customer service, the customer service representative told me not to worry about it without further explanation and just hung up the phone. On XX/XX/2021, I received a debt collection agency noticed that the debt is owed.
Consumer complaint received 2016-01-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i am not able to open up a bank account because when i was XXXX i opened up my first bank account with bank of america with a counterfeit check that i received in the mail. i was young and i did n't know any better because it was my first bank account. the way i got a the check was by applying online to a job that was being a secret shopper. the point of the job was to give feed back about the shopping experience. so they sent me a check and i did not know it was fake. i did not try to withdraw any money either i just wanted to deposit the check but not take any money out. i was a victim of a scam.
Consumer complaint received 2020-10-08
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)

So Equifax has had this unknown account on my credit report since XXXX. I have disputed over and over to get them to delete it from my credit report since I had no way of contacting the creditor. I have asked them over and over to remove this but they haven't even updated the information. It is XXXX. This is ridiculous I want this removed from my credit report immediately.