davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My home was foreclosed on XX/XX/XXXX. This left a second mortgage account with Bank of America that was not discharged. Even though they were notified that the property was no longer my responsibility, they keep making tax payments on the account and charging me an escrow balance. These payments keep being returned, with the last XXXX being returned XX/XX/XXXX. After XXXX attempts to have the escrow account removed, and after Bank Of America actually agreeing to do it once, they have once again re-established my escrow account and made another unrequired tax payment on my behalf. Now they are reporting my account past due, because I can not afford to make the bloated payments they are requesting to cover the tax liability. To make matters worse, they refuse to address the issue while the tax payment is being processed, and the subsequent request to have it refunded is in process. I literally can not get them to address the issue before they make another payment!!!!!
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account without a prior notice and for no reason and with no help from them from getting it back. i am not sure if this is some mistake as ia ssume it has to be .I have not been able to get help from them since then but i just remembered i could file a report on here as i could feel they are not doing theyre job properly and it is effecting me a great deal as i using paypal frequently .. My email linked in my paypal is XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Lanier Collection Agency has been contacted regarding XXXX debts for the same amount {$1200.00} that appear on my credit. I have disputed these discrepancies Several times. When I ask how they verified the debt I get the run around. I spoke with XXXX and I told her to verify the info since she knows its mine. And she refused my answers and proceeded to call me a liar and tell me I am being untruthful and she will be requesting my personal info from the original creditor. I explained to her that at the point of reaching out to their offices my next best option was to file a complaint. This is my 3rd time telling them this is not my debt and they have yet to produce anything or send anything proving to me. They just keep calling. I am a single mother who left a XXXX XXXX situation. I dont have alot of resources and I work XXXX jobs to make ends meet. The area I live in isnt safe and the cost of living keeps creeping up. So I would appreciate this debt being removed from my record as it is not mine and all it is doing is hindering me from bettering my life for the sake of my children. Please assist me with putting this matter behind me and having this company stop harassing me over XXXX debts that are not mine.
Consumer complaint received 2022-01-19
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: Opportunity Financial, LLC (TN)

I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FirstPoint Collection Resources (TX)

My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX BANKRUTCY IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

XXXX Total fails to remove incorrect information from my credit files. CREDITCHECK Total reports incorrectly that my Revolving Credit Usage is 990 % on Experian, XXXX and XXXX XXXX XXXX Total continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
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: EQUIFAX, INC. (NC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX - Account NumberXXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX  - Account NumberXXXX My parent has the same name as me. 
Account NumberXXXX Please remove it from my credit report.
Consumer complaint received 2021-05-20
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. (TX)

I submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX XXXXXXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help
Consumer complaint received 2020-05-26
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Last year I found out my daughter had some fraudulent charges on her USAA checking. When we initially opened the account she was a minor and the account was put under my name. Last year I was checking my accounts and noticed that there was a check deposited for around {$10000.00}. There were also XXXX charges to XXXX different XXXX for about {$3000.00} each. I immediately contacted my wife to cancel the card ( I was stationed in XXXX at the time ) and I called the USAA fraud department to file a claim. Over the next few days we waited for someone to get in touch with us to figure out what the problem was. During this time my daughter made a police report to the XXXX Texas Police Department. 

A few weeks after the fraudulent activity I noticed I did n't have full access to all my USAA accounts ( Car Insurance, Home Insurance, Credit Cards, and banking ). Once again I called to see what the problem was. That 's when I found out that USAA was holding my daughter and me responsible for paying back the funds. I 've pleaded to them numerous times about why we 're being charged for something we had no knowledge of. All the reps I have spoke with said my daughter was not the one who did the fraudulent charges, but somehow she was still negligible. 

Their security practices are terrible. My wife has been issued numerous bank cards because of security issues. My son had a fraudulent charge in XXXX when he was at college in XXXX. 

I 've been with the company for XXXX years and I 've never had any problems until I started banking with them.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : SSN # XXXX Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX and XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XX/XX/XXXX above account on XXXX report . After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and Transunion deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX and XXXX credit report above Late payment on XX/XX/XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
Due to consideration XXXX major agencies reported same account as a accordingly and due to FCRA I can request to removed that late payment above account your agency as well. 
Please remove that Late Payment as soon as possible your credit file. 
Thanks XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TransUnion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (CA)

To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted Equifax Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to Equifax, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

PNC completed their takeover of XXXX in XX/XX/2021. Since then, their online banking service has become erratic, and now I have been unable to access my funds for the last two weeks. I went to the branch-they could not assist me, but did submit an internal complaint, telling me I should expect an answer in 3-4 working days. They called in 3 days when we were not home. They left a call-back number which no one answers.so much for customer response I still can not log into my account and still get an error message advising to try using another browser, which implies the largest US browser XXXX XXXX XXXX XXXX has somehow become incompatible with their system. They also list a help number, XXXX, which has a prerecorded message of " higher than normal call volume and minimum wait of 20 minutes ''. I tried waiting for 37 minutes before giving up on their wonderful customer service. 
I was able to log into a text box on their web site, actually able to talk to a live person. She told me their servers were down as why I could not access my account and simply try in an hour. Male bovine excretion is still XXXX*, and my trying again gave the same result. But even the most weak-bladdered bed wetter in their IT department should have found the bug in two weeks if that was indeed a valid cause, but I doubt it was. Totally frustrated and need to pay some bills.
Consumer complaint received 2023-08-07
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. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
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. (FL)

Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX XXXX XXXX  XXXX, global lending Please if someone can assist me with this i've been trying for months with no response
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (RI)

my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.
Consumer complaint received 2021-01-25
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (CA)

WILLIAMS AND FUDGE INC has been calling me multiple times per day regarding a past due to tuition amount from XXXX University. This past due amount was previously paid for via my federal student loans. 

I have already paid back the balance still due for tuition directly to XXXX University. This company should not be contacting me at all nor placing a collection on my credit report. 

I have not received any notification in writing from this company stating I owe the amount of {$1600.00} as stated on my XXXX credit report. This means I am not able to dispute this debt nor am I able to assert my rights. 

I do not wish to be contacted 10x a day via phone as like many people during this pandemic I am working from home and consider these calls to be the same as contacting me at my place of work and disturbing my ability to work.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (VA)

I recently wrote and sent out dispute letter. I 've notarized, and certified by mail sent to Diversified Consultants, Inc. And I received the letter by mail and Diversified Consultants , Inc. refused to deleted inaccurate off my credit report.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (IL)

I noticed on my credit report an outstanding debt to XXXX that was listed by Diversified Consultants, XXXX Once noticed, I paid the debt off. I never received any type of communication from the collection agency prior to placing the debt on my credit report. Although, I initially disputed the amount due with XXXX I went ahead and paid it. I was not given the opportunity to dispute this debt by the collection agency because I never received any notices from them. I contacted the agency requesting they remove this debt from my credit report for XXXX reasons : 1 ) It was paid. 2 ) I was not properly notified of the debt prior to listing on my credit report ; they refused to do so. this listing without proper notification is clearly a violation of the FDCPA.and FCRA
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have attached two recent mortgage statements from Specialized Loan Servicing that I received over the past two months. My mortgage servicer, XXXX XXXX XXXX XXXX, sold my loan to Specialized Loan Servicing in XXXX of 2018. There is an " Order of Protection '' in place thru the XXXX XXXX of New York bankruptcy court. I specifically marked the mortgage payment stub that I sent to Specialized Mortgage Servicing that the {$1700.00} payment was specifically for my taxes and to be deposited into the tax escrow account as ordered by the NY Bankruptcy court. Please note the principle balance from one statement to the other as the principle balance has reduced from {$530000.00} to a balance of {$530000.00} I am going on record that I will NOT be sending anymore money to the loan servicer as they are in violation of the Order of Protection. I have notified them and have not received an answer, or a transfer of the money into the escrow account. Please advise them to take care of this matter and let me know. XXXX XXXX
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX