davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

A XXXX XXXX Credit Card was opened in my name on XX/XX/XXXX with a {$500.00} limit without my knowledge. The card was used up and later Charged off in XX/XX/XXXX. 

I found out about this card in XX/XX/XXXX when I wanted to purchase a car to get to work. 

I contacted Capital One Bank and informed them that this was not my debt and I am a victim of ID theft. In XXXX the company responded asking me to prove I am a victim and that the debt is valid. 
Next I contacted the Credit Reporting agencies for help and they too confirmed the debt as 'valid '. 

I placed a freeze on my report and reported my compromised Identity to the FTC and my local police department and kept a close watch since. 

I submitted the paperwork to both the credit reporting companies and Capital One Bank and still they said I am responsible for the debt. 

On XX/XX/XXXX XXXX from XXXX XXXX collection/recovery said you might as well pay this debt because it is yours and we will continue to update on your credit multiple times per month until your credit is in the 400s. 

In XXXX they did just as XXXX promised and over-reported an invalid debt to XXXX. 

XXXX  and XXXX  after learning of my ID theft and Capital One failure to provide original documents required already deleted them from my report. However, XXXX  continues to report on my file without sufficient support, just their word. 

Now they seem set on destroying me financially until I pay and how much they are hurting me I would pay even if it's not my debt but now I am borrowing money just to pay my increased rent ( due to a lower score ) and I got turned down for two jobs based on my credit score. 

I really need help fixing this error on my report or I may lose my job and become displaced.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (KY)

On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from XXXX XXXX in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to Midland Funding. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky Court House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

XXXX XXXX
Consumer complaint received 2022-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

We have been living in our home for XXXX yrs. My husband and i have always paid our mortgage. We received a letter saying that they hadnt received XX/XX/2022 payment. I told them that i had been sending all payments. I asked where was the last XXXX payments i had sent in. They took a look and seen where they did have the payments holding them in suspension. The payments are XXXX every month. Now it is showing that we are 4 months behind, but they is holding the funds. We had two appointments to speak with a Relationship Manager but to no avail. For some reason the phone is treating it like spam calling and its not ringing. We could see that she had called after the call stop ringing, I immediately called back and then i was told that she had tried to call, so they had to reschedule for XX/XX/XXXX at XXXX. We are so confused because the balance is almost what we paid for the house. There is no way humanly possible that it can be almost the same. When i call customer service they said we have two options. We can pay the house off or have it refinanced. The refinance came up after i asked them. We dont know if we should keep sending payments or not. We are lost, stressed and exhausted. The mortgage has been sold several times and we had one modification years ago. They said we wasnt eligible for the one we recently applied for. Please help us
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

Midland Credit Management placed two collection lines on my credit report without providing me a chance to send a validation challenge. This was a brazen violation of my rights. 

I successfully got these lines removed from my credit reports as the documents that they presented ( eventually ) were clearly doctored and contained no identifying information that any of these lines were mine. This includes : lack of signatures, no ssi number, no birth date, etc. 

This company has now proceeded to harass me through XXXX XXXX XXXX ( their lawyer ) by threatening to sue me for an invalid debt, repeated phone calls numerous times throughout the day and by mail.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MS)

25+ calls from various numbers attempting to collect a debt that is under dispute as unauthorized account and transactions anyway. 
XXXX XXXX XXXX Comenity bank XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (LA)

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. 

XXXXXXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

I disputed the information with Experian and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with Experian but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

On XX/XX/2020, I submitted our mortgage payment on XXXX ( Colorado Housing Finance Authority/ XXXXI or XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from credit Karma that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.
Consumer complaint received 2020-08-25
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. (OH)

In XX/XX/XXXX I noticed that a hard inquiry was processed by XXXX on my TransUnion report. I contacted XXXX on XX/XX/XXXX and notified them if fraud. They did their internal investigation sent it up the ladder and closed the account sending a request for deletion to the bureaus. In XXXX I checked back and my information still was not updated in regards to deleting the fraudulent inquiry. On XX/XX/XXXX they sent another request for deletion. All the bureaus except for TransUnion removed the fraudulent inquiry. Now a year later I am still contacting XXXX and TransUnion to have this removed. I am told I need a letter from XXXX stating the fraudulent inquiry was indeed fraudulent. XXXX tells me they can't produce such a letter. I've attempted to fill out FTC reports and mail them to TransUnion to expedite the process. The one I mailed in XX/XX/XXXX still never reached their office. I have been in hold for 12 hours with XXXX going back and forth between departments getting the run around. And TransUnion has been less than cooperative in resolving this issue staying they have no records of the request even when the other bureaus have acknowledged receipt of the request. It should be noted and tracked that another request ( the third request ) for deletion was placed in XX/XX/XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations DBA XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. Experian, XXXX, and XXXX have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation. 

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period.

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due.

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights.

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus
Consumer complaint received 2020-08-25
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: Bread Financial Holdings, Inc. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-25
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. (AL)

I have told Transunion and XXXX I do not owe a collection on my credit report and it is fraudulent account and I have called and they took it off, but it appears again on my report weeks later and I also have written the 2 credit bureaus and collection agency for validation of the debt and it has been past 30 days and it is still on my credit reports and have asked for proof from creditor and collection agency and have not gotten any results.the company is 12 XXXX XXXX using a collection company name XXXX XXXX XXXX
Consumer complaint received 2022-10-08
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: ALLY FINANCIAL INC. (CA)

On XX/XX/2022 I applied for a credit card with Ally Lending for the use of potential services needed for the amount of {$1700.00}. I canceled the services I had an appointment for on XX/XX/2022 with the company XXXX XXXX stating I no longer wanted services. This cancellation was 72 hours prior to my previously scheduled appointment. I received a credit card statement from Ally Lending saying that I owed money for services I did not receive. I have contacted both Ally Lending and XXXX XXXX  of which no one was able to help me with the dispute. I have left several messages and still no resolution.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

I have tried and tried and tried to pay my lease but JPM Chase 's system is either malfunctioning, flawed or deliberately preventing me from making a payment. Listen to my recent calls. Also This account was reported 30 days late in error & dropped my credit score 40pts.  causing me to be denied for a very needed SBA loan. As a result I had to close my XXXX XXXX and XXXX XXXX XXXX XXXX. My payments of {$240.00} are due on the XXXX of each month. On XX/XX/XXXX My payment of {$240.00} was declined because my bank placed a hoild on a large deposit without notifying me of any hold, therefore I closed that checking account. On XX/XX/XXXX I replaced the XX/XX/XXXX payment with a payment of {$240.00} ( notice I paid {$1.00} more to identify the payment ) This payment was successful payment of {$240.00}. Incredibly JPM Chase 's system used that payment towards the amount that was deferred due to the COVID epidemic and did NOT give me credit for my XXXX payment, which was due XX/XX/XXXX. I spoke to a representative about this and they said it was corrected. But clearly it was not. Now when I try to make a payment online JOM Chase programmed their system in a way that will not allow me to add a different checking account. I used JPM 's secure message platform to complain. The rep. advised to add a couple XXXX but that was wrong and did not work, So them I tried to pay by phone, but now their system wrongly says I owe over {$960.00} and will not ALLOW me to adjust that amount. Incredibly it only gives me 2 options. OPTION # 1. Pay that amount of {$960.00} or OPTION # 2, I do not wish to pay " THAT AMOUNT '' When I press option # 2 it hangs up on me, when I press Option # 1 it initiates a payment of {$960.00}. Now I am late and JPM Chase has ruined my credit, which I was notified because my SBA loan was denied & I was getting ready to lease another XXXX this weekend, which is desperately needed but now will be unable. 
AS a result, I have made at least 4 phone calls, spent countless hours over the phone with JPM Reps., lost my SBA loan, let go 3 employees, closed my XXXX XXXX and been incredibly stressed, At XXXX yrs of age stress is very harmful causing other negative health issues. I am sure JPM will NOT take accountability, will not in anyway compensate me for my losses.They will give a standard apology and that is it. The largest bank in the world and this is the best they can do. I am sending a copy of this complaint to XXXX XXXX through XXXX his email XXXX. I want him to know how his business is run.
Consumer complaint received 2020-08-25
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: RFNA, LP (SC)

I have a loan with XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank is horrible! I have a mortgage with TD Bank that I have been trying to refinance but they do not give or the refinance company the requested info i.e. 12 month pymt history and the pay off letter. I have been asking for it at least 3 times by phone and through online inquiry service. I need to refinance to get my rate lower, get rid of the mortgage insurance, and get funds to get needed work done on my house. They are going to cause me to lose my low rate and miss the closing date. Please help me! This is my 2nd complaint to CFPB about TD Bank. I did get a resolution on the 1st complaint of them putting me in forbearance on my credit report without telling me and not removing it when i asked and they agreed to remove 3 times. 
In my 45 yrs of banking I have never dealt with such an incompetent and non responsive bank.