davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (FL)

Accounts that are incorrect are reporting on my credit reports 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 2023-01-28
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)

I filed a claim about my ui benefits being stolen and BOA has done nothing. I was told that I should have filed a claim in XXXX  when it first happened. I tried to file a claim then I didn't even have the option. I went to the branch and they told me I had to take the issue up with the XXXX  XXXX which was impossible at the time. I tried the whole calling over and over for hours but got hung up on or the message stating they were unable to take my call just like I did when I tried to call bofa about my money. My account was hijacked. I was certifying through the mail randomly whenever I got the certification forms in the mail ehich was clustered and never consistently. Now that I'm finally in my XXXX account again I see that they did receive my certifications by mail but the benefits were issued from certifications done online. I never got my ui account number in the mail like they said. I never got any of my money. Why was someone else able to get my money but not me. A lot of things make sense now. The address was changed from my house to some place in XXXX. Why is the bofa still investigating buy not giving me a provisional credit?
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

I received a letter via USPS dated XX/XX/2023 informing me that the application for a TJ Maxx credit card was denied due to " unable to access credit bureau due to freeze or lock. '' I DID NOT MAKE THIS REQUEST. I HAVE NO INTEREST IN A TJ MAXX CREDIT CARD. 

On XX/XX/2023, I called Synchrony Bank at XXXX XXXX. Synchrony Bank verified that an application was submitted on XX/XX/2023 using my name and select other information and that NO credit report was pulled and the application was denied.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I received a letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. Quite frankly I am sick of dealing with this on a repeat basis. It is beginning to feel like harassment based on incompetence. I simply want to be treated accurately and fairly from this point forward. I have attached the copies of the letter they sent me ( in error ) and copies of cancelled checks.
Consumer complaint received 2019-10-25
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: Innovis (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Innovis has been reporting unverifiable and inaccurate information on my credit from XXXX which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

My mortgage was recently bought out and transferred to PHH mortgage on XX/XX/XXXX. My property taxes were due XX/XX/XXXX and when I contacted their customer service to make sure with the transfer and everything they were paid - they stated yes Im all paid up for XX/XX/XXXX taxes. According to their records next payment is not due till XX/XX/XXXX. Next comes a surplus check from an escrow analysis done XX/XX/XXXX saying I have an overage in my account. Its clear to me they havent made any payment for XX/XX/XXXX, so I called XXXX county treasurer and sure enough no payment, they stated that a certified letter is being mailed and there is a penalty added to it of XXXX. I then reached back out to mortgage company and they gave me a fax number to submit the bill along with a letter of service error. I have submitted these documents to them on XX/XX/XXXX. I have checked my account online as of XX/XX/XXXX looks like they made a payment to county tax but when I call they just state the facts of what I already see. I have contacted treasure office but they havent received payment yet. Its very frustrating because I cant seem to get a straight answer from their customer service. They are reading off a script and keep putting me on hold to try to get more information but then state everything I already know. They should be able to provide me with more specifics as when the payment is mailed out when they expect it to get there? Are you covering the late fees. This should all be well documented. At this point I am in limbo waiting to make sure XXXX county receives the payment. Im concerned that there will be a tax lien put on my property due to this companies failure to do its job with my escrow. Please advise if any further information is needed Im looking forward to this being resolved as soon as possible,
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC (VA)

I found out a year ago in XX/XX/XXXX that I owed money to XXXX XXXX XXXX in XXXX Va from XXXX of XXXX. Never was aware of this until I had my credit checked in XXXX. I was never sent any information on this at all. When I found out I reached out to the property manager and was told I could satisfy debt with the XXXX XXXX XXXX and that the amount owed would be on the website as well. I did everything I was told. ( The amount given from property manager was different from amount shown on credit report. ) I took money orders to the property manager, had them signed, received letter saying it was paid and also had the judgement satisfied the court house on XX/XX/XXXX. I have proof of both and the company will not remove this from my credit and will not return my calls to let me know why this is going on.
Consumer complaint received 2019-04-29
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: Mandarich Law Group, LLP (CA)

Creditor entered a abstract of judgment for {$11000.00} entered on XX/XX/XXXX and recorded on XX/XX/XXXX company is XXXX XXXX. Judgment was not ordered by court. This is for a debt that was trying to be collected back in XXXX. Was never made aware of the judgement and received no notification that the creditor was filing this judgement. This debt is over 10 years old. 

2nd one Creditor entered an abstract of judgment for {$2200.00} on XX/XX/XXXX and recorded on XX/XX/XXXX. XXXX ( XXXX XXXX   ) again not ordered by court and trying to collect on a debt that is over 10 year old.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (TN)

XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX XXXX appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through Experian and on XX/XX/XXXX I submitted an online dispute through XXXX. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called XXXX XXXXXXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called XXXX and Experian and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} Dish bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now XXXX.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (DC)

I visited a branch in XXXX regarding my DC Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. 

This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Consumer complaint received 2022-03-11
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

XXXX XXXX routed the sum of {$1700.00} through Citibank which they have been sitting on for several weeks. The fund is a reversal of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I'm the original beneficiary of the fund which XXXX XXXX couldn't apply due to the wrong account type. XXXX XXXX is a website broker and the fund is proceeds from the sale of my website.
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

Okay so XX/XX/XXXX, I receive a call from " Unknown '' they left a voicemail. It stated that I need to call them or First Virginia could take me to court. So, I'm frantic and I hurry up and call. They stated that I gave the wrong bank account information knowingly back in 2010. And that they were going to take out claims and take me to court for doing so. So I'm like I would never intentionally not have money in my account. I fell on hard times and still is on hard times. XXXX XXXX-She goes well you can pay it off right now with {$320.00} and I will tell First Virginia not to prosecute you. So I'm like there's no way I can even afford that. She said well we can split what you owe in four payments. So I agreed but something just didn't sound right. I've never heard of anything like this in my life. I'm like I didn't commit any type of crime. So I did research and noticed that a lot of people were being threatened like this. My bank advised that I change my credit card number before they charged the account.
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (TX)

I received an email that my information had been breached with XXXX XX/XX/2019. I clicked on the link in the email that was provided : XXXX XXXX XXXX to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. XXXX confirmed that during the data breach my personal information was exposed.
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (MN)

In XXXX of XXXX I took XXXX XXXX  to housing court to dispute any balance owed, I won my case and later that month had the balance removed from my credit report and public record. In XXXX of XXXX I submitted an online inquiry to an apartment, which I later discover XXXX as the owner and didnt pursue further. Using the inquiry information XXXX has placed this previously removed and COURT dismissed balance back onto my credit report. I have disputed this with Experian twice with no relief. None of the information is correct on my Experian report regarding debt but this is putting my livelihood in jeopardy!
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I AM A SENIOR CITIZEN OF WHOM HAS SUFFERRED XXXX XXXX ILLNESS I PURCHASED MY HOME YEARS AGO FIRST LENDER XXXX XXXX THEN TRANSFERRED TO XXXX XXXX OF WHOM TRANSFERRED TO XXXX XXXX XXXX THEN THE LOAN WAS TRANSFERRED TO RUSHMORE MORTGAGE. MY PRIOR SERVICES HAD MY NOTE AT ALMOST 1300 a month upon transfer from XXXX XXXX it transferred to XXXX XXXX OF WHOM RAISED IT TO {$1600.00} .THEN IT WAS TRANSFERRED TO RUSHMORE OF WHOM IS CHARGING ME XXXXA MONTH. I HAVE NEVER REFINANCED NOR BORROWED ANY MONEY.XXXX XXXX TRIED TO GET ME A LOAN MODIFICATION OF WHICH I DECLINED AND ANY. DOUCUMENTS TO THAT EFFECT IS FRAUD.MY INSURANCE HAS ALL WAYS BEEN WITH XXXX WHICH I PAID AND NOW WITH XXXX.THEY STATED THE RISE IN PAYMENT WAS DUE TO INSURANCE. MY LOAN PAYMENTS WERE SUPPOSSED TO BE INCLUDED IN MY ORIGINAL PAYMENTS OBVIOUS IT WAS NOT.THUS THE INCREASE IN MY LOAN PAYMENTS.I AM A XXXX YEAR OLD SENIOR XXXX AND MY HEALTH IS DECLINIG DUE TO THIS FRADULENT ACTIVITY.MYHOME HOME VALUE HAS .. 









H MY LOAN HAS TRANSFERRED THREE TIMES.I HAVE ALWAYS PAID MY OWN INSURANCE.MY LENDERS ALSO STATED THEY INCLUDED MY INSURANCE WITH MY PAYMENTS. XXXX XXXX AND XXXX. IWAS PAYING MY OWN INSURANCE WITH XXXX XXXX AND NOW XXXX.I SENT XXXX   {$7000.00} AND THEN {$5500.00} OF WHICH THEY INDICATED I OWED.NOW RUSMORE UPON TRANFER TO THEM HAVE RAISED MY MORTGAGE PAYMENT TO {$2000.00} A MONTH.I AM A XXXX SENIOR OF WHOM MY ORGINAL XXXX XXXX MY ORIGINAL MORTGAGOR CAN ATTEST WAS TIMELY IN MY PAYMENTS.MY ORIGINAL LOAN WAS {$160000.00}. I NEVER REFINANCED NOR BORROWED AGAINST MY HOME.WHEN TRANSFERRED TO RUSHMORE MORTAGE THEY HAVE ASSESSED ME OWING ALMOST {$300000.00}. THAT IS FRAUDELENT MY NEW PAYMENT IS NOW {$2000.00} A MONTH.PLEASE INVESTIGATE. I AM XXXX YEARS OLD AND VERY ILL. I NEED HELP XXXX THEN TRANSFERRED TO NATION STAR OF WHOM TRANSFERRED MY LOAN TO RUSHMORE MORTGAGE OF WHOM IS CHARGING ME ALMOST 2100 A MONTH. I HAVE NEVER NOT PAID MY OWN INSURANCE AS I HAD XXXX FOR YEARS AND NOW XXXX. PREVIOUS MY TAKES AND INSURANCE WAS COVERED BY MY PAYMENT.+
Consumer complaint received 2019-10-25
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: CAVALRY INVESTMENTS, LLC (CA)

On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. 
Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.
Consumer complaint received 2019-10-25
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: Experian Information Solutions Inc. (NC)

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (OH)

I was called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : 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 2019-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (ND)

Hello my name is XXXX XXXX, I am a citizen of the United States. I have had an account opened with Coinbase which is a cryptocurrency exchange. On XX/XX/2019 at approximately XXXX XXXX I initiated 4 transactions on Coinbase from my XXXX bank account. The first transaction amounted to XXXX , second one was XXXX , 3rd one was XXXX $ and the last one was XXXX XXXX Before doing those transactions I had crypto currencies valued at XXXX $ at the time. Upon reviewing my account and transaction I realize that a XXXX was added to everyone of my transactions which I am certain was not a mistake on my end due to the fact that I review every transaction before completing it. These purchases were initiated via ach transfer.. I attempted to cancel these transactions but upon reviewing Coinbase user agreement terms I learned that once a ach transfer is started there is no way to stop it. 2 days later my Coinbase account was blocked due to failed payment and the XXXX $ which I had in my account. Coinbase has begun liquidating my assets stating that I owe them XXXX , I have contacted numerous times there customer service department but was unable to get any assistance. Coinbase is basically robbing me of my money due to a technical error on their end wether it was intentional or not I am not aware. I hope that this department will be able to assist me. My case number with Coinbase is XXXX.