davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX @ XXXX XXXX  this communication was received from XXXX XXXX : regarding our conversation on XX/XX/XXXX, about the proof of payment for the XXXX payments you madethe clear dates you provided me, match the payments made to another account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to move a credit from another account that was meant for yours, but one of the 5 payments made to his account was refunded to another account, which is the reason for the {$30.00} balance due remaining on your account XXXX  phone records will attest many failed phone-call attempts to receive XXXX XXXX  evidence of the alleged attached never received {$30.00} refund : attached as : Status UNPAID Date of First Delinquency XX/XX/XXXX XXXX XXXX office staff refused to read the above communication @ XXXX XX/XX/XXXX. XXXX XXXX alleged XXXX Manager XXXX XXXX refused to provide an email address to receive the above communication during her XX/XX/XXXX XXXX initiated phone call. XXXX XXXX additionally called XXXX XX/XX/XXXX from XXXX with voice message : Hello Mr. XXXX XXXX XXXX XXXX returning your call. Ill try later. 

The above XXXX XXXX, XXXX call was in response to my phone call to XXXX XXXX XXXX , chief executive officer for XXXX XXXX , the reported XXXX XXXX legal owner. 

As the above {$30.00} refund has never been received by me, the {$30.00} falsely alleged due XX/XX/XXXX represented by XXXX XXXX remains paid. The attached is the XXXX-account provided by XXXX XXXX to make the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reported payments.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing 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 to 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. This alleging that a person or a 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$300.00}
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I applied for a re-finance mortgage on XX/XX/2020. I was told the process could take 90 days. The first week I submitted all required documents. After that, nothing has happened. I have made several attempts to call, email, and have gotten no response. I can not get a response from Fifth Third on where it stands.
Consumer complaint received 2015-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

I have reached out to Freedom Mortgage ( FM ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, Freedom Mortgage continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX of every month. The archived statements on this account reflect ACH monies processed and exchanged between FM and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that Freedom Mortgage never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX XXXX Judge in response to a Felony Assault Charge. This No Contact order was in place for my safety and I requested FM to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to Freedom Mortgages customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the XXXX XXXX XXXX XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX  and XXXX. I am asking for Freedom Mortgage to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to FM, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EarnUp Inc. (MO)

I have been using the EarnUp service to forward my mortgage payments to my mortgage service company, XXXX. Normally, EarnUp collects payments from me on the XXXX of the month and the XXXX of the month. They then forward my payments to XXXX. Supposedly EarnUp forwarded my mortgage payment to XXXX on the XXXX of XXXX. Payment needed to arrive by the XXXX to fall within the grace period. However, payment has not yet arrived at XXXX and it is now the XXXX of XXXX. I have now received an over {$40.00} late fee and my mortgage will be reported to credit agencies by the XXXX of XXXX if full payment is not received by then. 

Earnup states that it will take them 5-7 business days to track my payment. However, by then, it might be too late and I will be reported as paying late to credit agencies. I have never had a late mortgage payment in well over 30 years of paying mortgages between two different houses.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DE)

When I opened my accounts I was told by the phone banker in order to avoid fees I had to have automatic transfers set up of XXXX each month to keep the account free and the phone banker had to set them up. I only just learned that it is not true and I needed an average balance of {$500.00} in order to avoid the fee. I was never told this and then I couldn't even be refunded all the fees like it was my fault. I want ALL fees reversed in full. This is the bank 's fault, not mine.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC (VA)

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account. 

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights. 

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BOEING EMPLOYEES CREDIT UNION (CA)

I applied for a Credit Card online from Boeing Employee Credit Union and provided proof of income with last two years of W-2s and current Paystubs for recent month. Was Denied Credit and in Disclosure Letter it stated Unable to verify Income. Was rejected based on Race as I have stable employment along with XXXX  Score of XXXX. Want recourse for this denial on credit based on Race.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby demand that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my demand and confirmation of action taken within the timeframe required by law. 

Failure to comply with this demand may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.
Consumer complaint received 2024-02-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MD)

I decided to go back to school but the only way I could do that is through student loans from Salle Mae. I was told that 6 months after graduation I would begin paying the loan back. When I went to apply for the next semester, I could not get approved ( not even with a co-signer ) therefore not allowing me to continue school. Since its been over 6 months since I was in school, I am now required to pay the amount back and cant afford it at the moment but have started a second job to try to help pay it ( XXXX loan ). However, they call me 10-15 times a day, and have started calling my family, my in laws, my friends, and my work. This is not only embarrassing but seems like it should be illegal and a violation of privacy.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

Approximately on XX/XX/XXXX of 2023, an account by a company named Jefferson capital. was fraudulently reported to my credit report on behalf of a private debt buyer. also, this account has already been on my experience before but I disputed it and it was deleted now the same that Buyerr is trying to add this fraudulent account back on my experience report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Child support is reporting as a collections an active collections account at that. And its hurting my credit even more soo because thats account is closed been closed it should be no errors or missed payments on it. They did start a new case and a new account with a different party including myself .. so if so the old account info should be deleted gone with .. XXXX late missed payments shouldnt be reported on my account whats so ever. This account had payments sent in the name of the wrong party. I was awarded funds back for over more then half the year where I could prove but it.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I request that my account with XXXX XXXX company, XXXX XXXX XXXX XXXX, XXXX, Utah XXXX close my account after XXXX years with them in XXXX. I never received a respond so I called them on XX/XX/2023 and spoke to XXXX different people and was finally sent to the XXXX XXXX department ( XXXX ) XXXX in which I was told handles closing accounts. This was after being on the phone and explaining my situation XXXX time for over XXXX XXXX hours. 

The person told me that I still owe {$100.00} for equipment. I dispute that because I've had the account for over 9 years and up to date with payments at that time. So I agreed to pay the {$100.00} if they would send me a email stating that my equipment bill was up to date. I was told that my account would be closed, but the following month I continued to receive bills from XXXX I call the XXXX  department again after receiving XXXX more bills and ask to speak to a XXXX. While on the phone the XXXX agreed that this should never have happened and he would make sure that the account would be closed and gave me his direct office phone number. ( XXXX ) XXXX. I received a letter from the XXXX  department stating that my account was officially closed. ( See attached ) Then on XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX stating that I owe {$360.00} from Citizens Bank. I called XXXX and they informed me that this originated from XXXX. I told them that his account was closed and I had correspondence that it was closed. On XX/XX/XXXX I sent XXXX copies of the XXXX closure correspondence I have with XXXX. They informed me that the account number that tie XXXX  to this account was # XXXX. 

I called them today XX/XX/XXXX and they told me that they have not received the correspondence and refuse my request to email them. 

This has gone on for a year and my credit report has not been corrected at this time.