davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT.

THE ACCOUNTS REPORTS 3 DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL XXXX COMPANIES ANOTHER VIOLATION OF MY RIGHTS
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

I have reached out to the credit bureau ; I have also reached out to the company letting them know that this item was not mine and that i wanted them to send me some information showing proof of item. I never received anything back and the item is still showing on my credit reporting. Due to this item my score is not were it needs to be. 

Item number listed on my reporting XXXX Portfolio Recovery
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I have disputed the validity and the account status of a XXXX XXXX account several times with Experian, XXXX and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Experian completed an inadequate investigation, if any. They did not VALIDATE the account was mine. They have not provided an true open date or payment history ( both of which I requested ), no account info, nothing! I filed XXXX separate disputes ( XXXX online and XXXX via USPS ) with Experian regarding this XXXX account, and I have yet to receive any type of correspondence from them. It has been 30+ days. I have obtained new credit reports from each of the mentioned bureaus as recently as XX/XX/XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that Experian and XXXX have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

My account had a benefit of allowing up to {$200.00} overdrawn with no penalty. It was very helpful and I did use the benefit right before payday. I logged in yesterday morning everything was fine my direct deposit of over {$2900.00} was deposited that afternoon. They closed my account so I cant pay my rent I cant pay my bills. Ive done nothing fraudulent I even requested them to take away the overdraft protection if that caused the issue but to reinstate my account since this is a mistake. Im totally screwed.
Consumer complaint received 2015-08-11
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (ID)

Original Debt Collector GreenTree Servicing LLC signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to XXXX XXXX XXXX XXXX ( XXXX ). XXXX claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state GreenTree will not communicate the debt to them. We are stuck in the middle. It is not our problem that GreenTree sold them a debt that they did not confirm.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

XXXX XXXX from Daniels & Norelli called me today at my work place. I do n't appreciate this, and would like to have them stop this. I would greatly appreciate your help with this. 

their phone number is XXXX and XXXXXXXXthank you
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MI)

Rushcard has not direct deposited my payroll deposit for two weeks now, causing my bills not paid on time, insufficient funds fees and not too mention the emotional stress it is causing, no money is no gas for my car, no car no job which I 'm on the verged of being fired and there is noting I can do about it until XXXX XXXX has fixed the problems, he also should be responsible to pay for fees and stop payments that has resulted from this error.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

Responded to an offer on XXXX for the sale of 2 used carports Seller indicated they were a business specializing in reselling carports that had been repossessed. 

2 transactions were made using XXXX through the PNC mobile banking app. 
XX/XX/2022 {$700.00} XX/XX/2022 {$270.00} Installation was supposed to occur on XX/XX/2022, seller contacted me to advise that their crew was behind schedule due to storms in their area slowing work and would not be able to attend until the next day XX/XX/2022. 

The next day they contacted me to assure me they would personally {$100.00} off the cost of each carport if I would allow them to install the carports on XX/XX/2022. This back and forth with the seller contacting me to advise it would be the next day and the next. 

I advised the seller I was cancelling my order and wanted the money refunded on XX/XX/2022, seller advised that they denied the XXXX transaction and the money should be refunded in 1-2 business days. 

Due to the way the interaction had been going with the seller I went to my bank to file a complaint about the transactions, I was advised I would have to speak with their XXXX complaints department, they made it clear from the onset of the call that it was likely they would not reverse the transactions and on XX/XX/2022 I received a letter from PNC indicating this was the case.
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) XXXX  i very XXXX  up ... .XXXX   Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score. 

I am getting turned down for prepaid debit cards ... its ridiculous Transunion is best or most accurate of the 3, XXXX  is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

Markup massive charges for {$2000.00} on window etching. They claimed I must to purchase with it for every new car. Upon checked with local dealership, They charge mostly up to {$200.00} for material and labor cost.
Window etching is an anti theft vehicle protection benefit that is sold as a theft deterrent.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (OH)

XX/XX/2023 I need to bring to your attention again the violations of my rights as a consumer and also ask you to uphold the law under your obligations as the CFPB. I ask that under the laws 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515.

I have been a victim of the violation of the Truth in Lending Act ( TILA ) also my Right of Rescission under 12 CFR 226.15 & 12 CFR 1026. 23 ( b ) has been violated. I have also be violated under the Fair Debt Collection Practices Act ( FDCPA ). 

I have been continuously harassed at my home, and my character has been defamed. This has resulted in the damage to my credit, losing credibility with companies I had been associated with for over a decade. I demand that you rectify this issue immediately and compensate me for all the damages caused to me. 

As a consumer, I have the right to be protected by the law. However, the violation of my rights has caused me immense stress and financial loss. I urge you to take immediate action and ensure that my rights are protected as a consumer. 
I can have my claims documented and backed up by all my doctors, of the stress and health issues this situation has caused me. If needed, they have already been informed of all recent events. 

I would like to remind you again of your responsibility under the law 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515. I request you to investigate the matter and take appropriate action against the parties responsible for the violation of my rights. 

Im asking the CFPB to use their enforcement authority. This statement is of the CFPB and has not be upheld in my eyes. Yet I continue to ask that the CFPB uphold their responsibilities to consumers. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions.

When a bank, company, individual, or other entity breaks the law, we may take enforcement action against them. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (OK)

I work for a mortgage company. I have approved buyers to make offers and eventually buy and close on a home. They have made offers on a new house with a builder. This builder ( And others in the area ) are known to give incentives to buyers for using their lenders. Now, they are saying they will not even accept an offer unless the buyers use their preferred lender. This has to be discrimination?! And illegal. I have attached photos of text from the builder 's rep on XX/XX/22.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

Got took for a ride on a charge card with XXXX repair shop, ,bank synchrony over 3times nearly denied XXXX, XXXX  access, '' the actual right '' to use illusory purported credit line they said I had if {$2500.00} on several occassions even gas too.by doing this truth n lending, bank laws Federal Statutes many other il constitution state law statutes have been violated for things such as greed, during periods repair shop whatever they name had my car the bank cancelled my credit out with XXXX repairs, worseser trans n and new issues new strange noises etc, plus cheap parts refusal to repair it 88 percent where at least customer can't tell what's what usually how a repair should be done.u can't tell things were broken my car wonce strong runner promised steep RADIATOR notjing garbage aluminum radiator promised new steel one then bank tryed using the fact XXXX potholes caused it as a defense also garbage the banks threatening the old man but..their the partners n crime .I made a Whistblower report in his name n the bank right away threatened him lol..deep in shouldn't have to pay For racism discrimination I'm lending n availability of funds when getting my car picking it up but I'm.am so it's really XXXX, shut this bank down for much years of scamshish, fraud deceptive practice vs XXXX XXXX XXXX XXXX XXXX XXXX all bank reps foreign engaging n lies '' customer did this n that we didn't do*their cancelling threatening credit cuz they mad we report XXXX XXXX XXXX  synchrony was told today " I didn't have to give car back '' but..I told him XXXX XXXX XXXX   before I arrived cuz if banks XXXX, a lady use to check on me about car alot them I'd get a threatening call but she stopped she waived the rear end job XXXX {$800.00} n I'm disputing the radiator job, loss of strange horsepower, talked into keeping my car many days then, got it back broke down strange sounds I'm not paying XXXX $ for XXXX, radiator n XXXX shocks
Consumer complaint received 2022-07-20
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The total amount were rebills XXXX. These charges were for a cruise that i had cancelled in XXXX for the upcoming cruise in XXXX. The gave me back some of the monies i paid but held back XXXX claiming they could not in touch with the merchant and that would be my responsibility. Are they crazy?? Covid was in play at the time in fact they cancelled the first cruise that was due to sail in XXXX  and did not sail, so they rolled my account over to the following year for another cruise, which again covid was in play. At one time my credit score was XXXX they have cut me down to XXXX for non payment of services and or good i never received. They claim the chargeback amt was over the threshold. Capital one is the most unscrupulous person i have ever dealt with. They should return my monies and. All charges on top of what they should have refunded are interest and late fees. I have spent over 40 hours on the phone with them to no avail. They kept telling me it will probably come and it never did. I suspect they charges were refunded by the cruise line and capital one will not furnish me with any communication they had with the merchant
Consumer complaint received 2015-10-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX I received a letter from ; XXXX XXXX Employee for Bank of America for my correspondence and documents needed to process my loan modification application. The letter also stated if you do not contact us within 15 days from the date of this letter XXXX XXXX. 2015 your case will be closed and your home loan will return to normal servicing. Note : XXXX XXXX on about XXXX My husband XXXX XXXX called:XXXX Requested to speak with XXXX XXXX in reference Loan XXXX He was denied to speak with XXXX XXXX XXXX by B.O.A. Home Loan Team Texas Office Employee XXXX XXXX concerns surrounding the process of speaking with XXXX submitting documents several times with no correspondence from XXXX regarding the Loan.Employee XXXX XXXX stated she would have XXXX XXXX XXXX call at XXXX XXXX. Note XXXX XXXX never called XXXX at XXXX as stated.
Consumer complaint received 2022-07-20
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. (VA)

XXXX XXXX XXXX  XXXX  inquiry fraudulent and unverifiable needs to be removed, XXXX XXXX XXXX fraudulent inquiry and unverifiable needs to be removed,
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Affiliated Group, Inc (MD)

I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Atlanticus Services Corporation (CA)

XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian refuses to provide a XXXX score. There reasoning is that I do not have enough credit ; however, I have XXXX open credit cards that are paid on-time and I currently hold a XXXX score with XXXX and XXXX.
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Holding funds without notice or explanation Bank Of America has placed holds on my business checking and savings account with over twenty thousand dollars of my working capital. No notice, explanation or reason has been given to me. No timeframe has been identified as to when the holds will be taken off. In multiple conversations with various departments no details has been provided. All the information I 'm getting is that an internal department that has no name, telephone number or any means of contact has placed the holds and may contact me should they require any information, no specific period of time was ever mentioned to me. No specific reason for holds being placed or any other information has been provided to me by anyone I 've talked to on multiple occasions.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX-XXXXShow Details XXXX XXXX/XXXX/2007 {$11000.00} XXXX/XXXX/2015 {$11000.00} CHARGE-OFF is reporting this XXXX on credit report. I have disputed many times and have called to have removed. They continue to report this as a duplicate which is preventing me from obtaining credit for as the false reporting is lowering my credit score
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Moore Law Group (CO)

Firstly, I received no debt validation letter or a notice for the transfer of debt. Secondly, they sued me and won judgement and afterwards I asked for email communication only. THEY CALLED ANYWAY. Thirdly, I asked for the original agreement from them which I NEVER signed up for WITH " THE MOORE LAW GROUP '' and for the debt validation letter I was supposed to receive 30 days before any action was taken on their part. I also reached out to the attorney general for my state and they told me that they couldn't help me because the Moore Law Group operates out of California and not Colorado. Even though they have an office and employees here. ITS BEEN OVER 30 DAYS OR SO AND I'D LIKE TO DISPUTE THIS AS SOON AS POSSIBLE. I'VE RECEIVED NO COMMUNICATION SINCE THE JUDGEMENT PASSED VIA EMAIL AS I REQUESTED.