davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (NV)

On XX/XX/XXXX, I received the XXXX, XXXX or XXXX bill for a charge I did not incur. Despite several calls to the XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX  ( XXXX XXXX ), and was told they would look into it and despite the fact there have been others on my account that were bogus and were cleared up, this one was not. The reason they gave for the denial is that I elected to participate in an initial trial offer and did not cancel. Total XXXX. I never heard of the company XXXX XXXX XXXX XXXX My research on this company showed that this company was a scam and other XXXX holders experienced the same outcome. Since my association with XXXX was XXXX of several charges to my account that I never made and were resolved satisfactorily, I dont understand this. As a result I cancelled my card. When these scam amounts were resolved, I would receive a new M card and sure enough bogus charges would appear. The amount I was charged was {$95.00}. After I was told they would look into it a {$30.00} fee was added to the. Talk about fraud!
Consumer complaint received 2022-09-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citi claimed they have sent a letter containing my account number on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any letter and I still don't know my account number that I opened more than a month ago.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

My Experian credit report I keep getting a collections charge that I do not owe with the originator name as : ATT Mobility. The collection agency name is Credence Resource Management, Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, TXXXXX. They opened this collections account on XX/XX/XXXX. Account Number stated as : XXXX But I have been having XXXX as my mobile service provider. I called XXXX  XXXX  and inquired whether I owe any money to XXXX  XXXX  with my phone number : XXXX  confirmed that there is no such account that starts with XXXX and there is nothing due on my name. 

Since XXXX XXXX, I started having this fraud collections account activity appearing every year in my credit file reporting collections due as {$270.00} to {$290.00}. This year they reported it is reported as {$290.00}. When I called Credence Resource XXXX on XX/XX/XXXX around XXXX EST. XXXX XXXX XXXX XXXX. There was a person with XXXX accent picked up the phone and when I explained that I don't owe any money to XXXX XXXX, then the agent agreed to mark this as a fraudulently opened account. Unfortunately I have shared my last 4 digits of social and my address for verification and they said they will be removing this fraud collections account from my credit file. But I have not seen this fraud collections account removed. 

I have reported experian and opened a dispute. XXXX  has suggested me to file a complaint with Consumer Financial Protection Bureau. 

I got to know when I am applying for homeloan and due to this fraud collections entry, now my bank has increased the interest rate and APR and initial delivery fee significantly. I always pay all my utility bills, credit card bills and all car loan EMIs and all the payments promptly. Since there is no record of my account with XXXX  XXXX  how can I pay and remove this fraud collections entry from my credit file. 

I have also reported this to XXXX XXXX and working with them to write to all three bureaus requesting them to remove this fraud collections entry from my credit file. 

Having said that I clearly see my SSN and my home address and home number has been hacked by some fraud, who is misusing it and damaging my credit score.

When I searched about Credence resource management review in XXXX, I saw similar comments and bad experience from numerous people. I would like to request you to take action against this fraud people who is using credence resource management to do this fraud activity. 

Thank you.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (PA)

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.
Consumer complaint received 2022-09-22
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. (PA)

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2021-01-27
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. (TX)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (WI)

On XX/XX/XXXX I scent in {$500.00} dollars to a company Affirm it's a on line banking company they scent my my {$500.00}. dollar deposit but are now claiming it for me to save my XXXX dollars. I've been on the phone & on XXXX trying to get my money back. But they wont help me. I was lead to believe I could use this to buy item. But that's a lie. They just want your money. My Credit Union XXXX XXXX won't help.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone used our ATM debit card information and processed following fraudulent activities. 

XX/XX/2021 {$74.00} at XXXX XXXX XXXX in XXXX, MI XX/XX/2021 {$1.00} at Vending XXXX XXXX in XXXX, NY XX/XX/2021 {$2.00} at XXXX XXXX in XXXX, MI We live in XXXX XXXX and have never visited these cities. 
We do not have any friends or family members who we live in the states. 
We have never authorized anyone to use our ATM card information. 

We called Bank of America Fraud Customer Service and reported the fraudulent activities. The rep advised that my wife 's ATM debit card information was used. 

Bank of America was not our primary bank and we had rarely used the ATM cards. 
We noticed that my wife ATM card had been expired a few months earlier and had received a new ATM card, however, the card was still in the envelope and we had not even activated the card prior to the fraudulent activities. 

Bank of America gave us temporary credits for these fraudulent debits. 
However, Bank of America informed us that they had determined conveniently that " the charge was authorized by you or someone who has permission to use the card and account. '' They are reversing the temporary credits as they determined that our claim was false. 

We were stunned by their reasoning and the decision. 
We appealed twice, however, Bank of America is demanding support documents for our claim if we want to pursue further, but these were fraudulent activities which we were simply the victims of Bank 's inadequate security system. 

Again, we have never visited there, do not have anyone who live there, and have never authorized to use our ATM card information. 
The fact was that someone stole our ATM debit card information and committed fraudulent activities. 

We strongly believe that the bank does not have adequate security check system to preventing from hackers and protect their customers. 
The bank also has improper practice to just deny claims without sufficient research. 
This is highly dishonest business practice and very irresponsible. 

We were probably not only ones as victims of Bank of America 's dishonest business practice. We are deeply stressed out as we had become victims twice, first by the fraudulent charges, and then by the bank. 

Bank of America was a defendant of recent class action law suit, which a federal judge ordered the bank to stop auto-denying California EDD fraud claims. 

Bank of America failed to prevent fraud and denied claims when the fraudsters attacked.
Consumer complaint received 2021-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have tried to get a resolution to an issue with Capital One Auto Finance for over 8 months. I was told they wouldn't report me to the credit bureau for a 30 days past due because of the current pandemic. The 30 day mark came and they reported me resulting in a major drop to my credit score. I have tried to have them remove it because of the information they told me, in addition I have paid the account off in full because I do not want to deal with a shady ran organization who have not allowed me to speak to anyone in regard to my complaint. I've faxed them over 20 times with the same information and I haven't heard from anyone.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (IL)

My XXXX  passed away on XX/XX/2022. On XX/XX/2022, I contacted Popular Direct Bank of XXXX XXXX, XXXX and was given a list of the items that they would need to close my mother 's XXXX Certificates of Deposit. That was provided via registered mail, notarized, as requested. On XX/XX/2022, I called and was told that everything was there that they needed and that checks would be issued and I should receive them in XXXX days. I called again on XX/XX/2022, and was told that the accounts had become " dormant '' ( even though I had been in contact with them about the accounts ) and so the checks had not been issued. The representative told me that she removed the " dormant '' status and that the accounts could now be closed and checks would be issued and received within XXXX days. That evening I received a call from the bank stating that they required more information, including my and my brother 's social security number in another notarized letter that also indicated what we wanted done with the accounts. That letter was sent XX/XX/2022 and received by the bank on XX/XX/2022. I contacted the bank on XX/XX/2022 and was told they had not received or processed the letter and could do nothing with the accounts. Contacted bank on XX/XX/2022 and was told that the problem with them not receiving the documents was that they had been forwarded to XXXX XXXX. They now can offer no time frame when the accounts can be closed. I have offered to resend the paperwork, but was told that it would still be forwarded to XXXX XXXX and that there is no way to expedite the issue.
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (TX)

Submitted com plaint for Fidelity / XXXX XXXX XXXX. 
They have no replied through you but instead sent a manifesto of accusation and refusal to help during the pandemic. 

I requested multiple time for help and tried to be up front with them but rhewy have initent of helping or doing anything that is productive. 
Their only goal is to harm me.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CO)

I refinanced my home with Homepoint Financial on XX/XX/XXXX. The notary was receiving new paperwork after we had arrived for Closing, and as such I had to repeatedly call my Loan Processer, XXXX XXXX, about incorrect information in the closing paperwork. One major point of concern was that our first payment was listed as being required on XXXX XXXX, instead of XX/XX/XXXX, as I had been told by my Loan Processor and in my earlier paperwork. During my Closing, XXXX provided me confirmation - verablly and in email - to sign the documents as is and that my first payment would be due XX/XX/XXXX. This was XXXX 's email to me : " I apologize for missing your calls. Homepoint gives a 2 month cushion for the first payment. Your loan is expected to fund on the XXXX of XXXX. Since funding will not take place until XX/XX/XXXX your first payment will be due on XXXX. You will receive documentation that will confirm the first payment due date and amount. Please dont hesitate to contact me if you have any questions and/or concerns. Thank you for choosing Homepoint. XXXX  XXXX XXXX. '' On XX/XX/XXXX, I was notified by HomePoint that my first payment will be due XXXX  XXXX, XXXX and not XX/XX/XXXX as explicitly described by the Loan Processor. I called customer support on XX/XX/XXXX and was told my issue would be resolved and my payment date changed and tha I would be made aware of this outcome within 4 days. I have since contacted Customer Support via phone and email multiple times. I've reached out to my Loan Processor who is out of office and hasn't returned calls, and I've reached out to XXXX XXXX, her supervisor, who has also not returned calls or email. At this point, my payment is due on XX/XX/XXXX, which is incorrect, and I am running out of time to resolve, with no path forward with HomePoint Financial.
Consumer complaint received 2021-01-27
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. (CA)

2nd req to you, 4tth req to Transunion ... 
Duplicate hard inquiries appear on my credit report in error by XXXX on XX/XX/19 reducing my credit score. XXXX sent a letter TWICE to all 3 agencies indicating it was an error asking for both inquiries to be removed. ALL EXCEPT TransUnion removed the inquiries & kept them removed. This seems to have happened because TansUnion can't handle how they log inquiries when a customer has a FRAUD WARNING which I did. I had the same thing happen with a different creditor and TransUnion a year later. I TRIED THEIR ONLINE REMOVAL PROCESS which failed, resulting in a form letter telling me it was a valid inquery even though I attached the letter from XXXX telling them to remove. 

You investigated this previously, Transunion said they fixed it but they never did. NEITHER INQUIRY WAS REMOVED. Please help.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

My student loans were transferred to Mohela from XXXX as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both XXXX and Mohela. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. XXXX account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to Mohela and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. XXXX provided outdated information.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Genesis Debt collection agency is attempting to collect a debt that is not mine. Ive filed a police report and disputed the identity fraud. XXXX XXXX then photoshopped an ID, sent it to someone who they believed were representing me, & then blamed the photoshop on me and notified me they were telling the police. 

If I am contacted back via email, I can forward that email with the photoshopped ID to you all.