davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I will refer to XXXX/CitiBank as a single entity as both parties are responsible and neither has taken any action to correct the issue. In XX/XX/2018 I was charged a {$2.00} fee on an Instore XXXX   credit card by CitiBank. I had not used the card in some time and was unaware of the existence of any fee. Without making a single purchase the fees kept compounding and eventually reached a balance of {$220.00} dollars. The entire amount was based upon late fees that originated from a {$2.00} dollar fee issued by XXXX. XXXX made no attempt to contact me and alert me of the fee. My XXXX card was closed and I received a negative credit report that subsequently decreased my credit score. 

As soon as I became aware of the beforementioned excessive balance I paid it off despite the fact that the fees were not valid. I paid it off in attempt to limit the damage done to my credit. I attempted to get assistance in correcting the fees from both XXXX and CitiBank but neither provided a resolution. After doing some research it appears this is a common issue with customer of XXXX/CiitBank. I saw numerous similar reports on the Consumer Financial Protection Bureau website.
Consumer complaint received 2019-11-14
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. (GA)

I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, XXXX  & Trans Union. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Keynote Consulting, Inc. (IL)

Rep did not verify my information or give disclosures. Rep insisted a letter was mailed to me and I did not get it. I attempted to put the balance on a payment plan however rep was taking my full credit card info along with the security code on a recorded line. When I advised her she can not ask for my info on a recorded line, rep became unprofessional and said to do whatever I wanted to and hung up on me. I have tried several times to get the dentist office to take the funds from my account and they have not taken it, now my account is in collections and on my credit.
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This account starting XXXX {$680.00} from XXXX XXXX XXXX has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!
Consumer complaint received 2019-10-19
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: Riverwalk Financial Corporation (FL)

Hi, I submitted a request from CFPB recently and was told that my dispute was closed due to, it looked like a credit repair company that had put in the complaint. I do not work with any credit repair company, I submitted those docs after doing my research in regards to Identity Theft, and the docs that i submitted came from off the FTC site. I am a victim of Identity Theft, I wrote the credit bureaus in regards to this matter and the disputed accounts were deleted from my file and was re-inserted again. I do not understand how these credit bureaus have so many Data Breach, 1,2, and sometimes even 3 breaches a year and not pay attention to the consumers, after told the fraudulent accounts on their credit file was due to identity theft. They are the ones who are committing the frauds on the consumers, along with collection agencies. I am a Veteran and have a mortgage pending and these fraudulent accounts are making it hard for me to close on a house. its is not fair to the consumers who have to go thru this with these credit bureaus. I did not get any letter from the credit bureaus in regards to re-inserting these fraudulent accounts. I do my research, I served this country for 12 years and have to go thru this with these crooked credit bureaus and collection agencies. they delete it from your credit file, then reinsert it after another and another collection company buys the debt. its unlawful the way this goes on. The collection company Deville Ast Management has fraudulent accounts : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX  acct # XXXX
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you
Consumer complaint received 2019-10-19
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. (FL)

I have disputed inaccuracies with Equifax on my credit profile even sent documents via fax, email, electronic and their own upload portal all the credit bureaus were notified that my information was leaked through Equifax and they fixed it but Equifax refuses to do so I have well over 22 inquiries not belonging to me and continuing I also made all bureaus aware of my correct name and address I just recently had a Adverse reaction to employment in my line of work because it was reported that I have four other spellings of my name and the state of my license is wrong I live in Florida not Texas. 

Can a lawyer be recommended for me Im at lost for words I have done everything the fact that I cant get a good job in my career and the fact that I cant even own a home at my age I have had to continue to live in expensive apartments because Equifax refuses to remove anything I call they would tell me ok and then I check back in like a month or so all the wrong information is still reporting. 

Because of Equifax my data was breach Ive been invested in getting it all clear the other bureaus have made changes after getting my documents and Equifax refuses. 

I cant catch a break my kids are grown now and will never know what it means to grow in there own home thanks Equifax for all the trauma weve been through.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

I paid off my auto loan in XXXX, received my title in XXXX. My car was in an accident before paying off my loan. They have been holding my insurance money for 4 months and keep saying they are going to send it within 5 days but have not done so. Meanwhile my car is not being fixed. It is my money, I owe this company nothing, but yet they are not sending me my money. I have called numerous occasions and still they have not sent it. The company is TD Auto out of South Carolina and home office is in XXXX. It is not fair to a US citizen to go through these behaviors from a company outside of the US!
Consumer complaint received 2019-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am a XXXX  who works with many clients especially on their credit report issues. In many cases, the bureaus are virtually impossible to work with on critical situations due to automated phone contact. You can not reach a human person and if you are lucky to, they still want you to send info to a PO box which means nothing can be sent overnight in an urgent matter. Credit bureaus urge you to put freezes on your reports, YET, you can literally not remove it unless you use a website that seems to always circle back to sending info to a PO Box . I personally have just tried to unfreeze my accounts at both Experian and XXXX and can not without sending info to a PO Box . I tried their websites and no luck. Why are these companies who control so much of our nations personal information allowed to go unregulated when it comes to providing the consumer access to human beings? Why are they allowed to use PO Boxes no matter how dire the situation is? Its a shame that they can literally ruin lives due to their inability to service consumers who are " REQUIRED '' to use the,.
Consumer complaint received 2019-11-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing, llc is now PHH MORTGAGE. Ocwen claimed in numerous documents and recorded notices of default in land records in a beneficiary capacity claiming it held interest in real property address XXXX XXXX XXXX, XXXX, California XXXX. Ocwen claimed it held a Note in which was issued by a lender and was foreclosing on the real property XXXX XXXX XXXX, XXXX CA XXXX. Ocwen claimed I was the borrower of the loan and breached the loan contract document # XXXX XXXX. 
On or around XX/XX/2014 Ocwen 's trustee Law Offices of XXXX XXXX held a foreclosure sale of the " property '' to pay off the remaining balance of the loan. A third party named XXXX XXXX XXXX , XXXX purchased the " property. '' Question : What is the name of the lender that Ocwen or the Trustee paid off after receiving funds from XXXX XXXX XXXX, XXXX? and what was the amount that was paid off? I would like my complaint published as Ocwen and other third party debt collector 's have wrongfully evicted and taken possession of real property that they did not own. Ocwens actions have and continue to hurt the public.
Consumer complaint received 2019-04-08
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: DISCOVER BANK (OH)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX 10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX and sent a card in and they confirmed with a certified letter that it was not an authentic XXXX 10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX OF XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2019-01-30
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. (CA)

Please know that I was not late on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (AR)

I started a debt relief program with freedom debt relief. They sent me a flyer with a loan amount on it that happened to be exactly the amount of credit card debt that I held I called and was instructed by the associat that I was approved and that he could help me settle the credit card debt I had. While in a lengthy phone call with the associate of freedom i was instructed that i was approved for the loan and all they needed was the account numbers they instructed me to stop paying on the accounts I had enrolled with them. After about a month I started to recieve collection letters in the mail from the accounts I had enrolled with freedom I called them with my concerns stating that I was supposed to recieve a loan to take care of these accounts they told me that I was never approved for a loan that I was enrolled in their " hardship '' program I explained to them that the was their associate had told me I was approved for a loan and that the accounts I had enrolled with them were supposed to be taken care of and that I was instructed to stop paying on those debts. They tried to explain to me that I misunderstood the associate and that I was enrolled in the hardship program and that I was unelligable for the loan I explained to them that I wouldnt of signed up for the hardship program because I was current with all the companies I had signed up through them and that they needed to listen to the recording of me talking to their associate and could easily see that I was mislead into the situation by being promised a loan. Since dealing with freedom I have called on different occasions and spoken my concerns I told them I recently purchased a home and was afraid that my home owners insurance premium would increase I was assured that my insurance amount would not increase. Since then my home owners insurance premium has went up % 50. I've tried to contact them and speak with them about recordings and being mislead on the phone and basically they told me the reco derding were too old to go back and retrieve and that their associate did not mislead me and that It was basically my fault I'm still dealing with the company and the exorbitant fees associated with them I would appreciate a call back or a letter thank you XXXX XXXX phone number XXXX
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received a letter dated XX/XX/XXXX from Wakefield and Associates notifying me that a medical debt from XXXX XXXX XXXX XXXX XXXX had been listed for collection in the amount of {$1600.00}. This was presumably for services rendered at XXXX XXXX XXXX XXXX in XXXX AL on XX/XX/XXXX. On or around this date, I also noticed a derogatory mark placed on my credit file by Wakefield and Associates in the amount of {$190.00}. I immediately responded in writing requesting verification of the debt. I also called the hospital directly as I was set up on a payment plan to pay of the medical debt incurred during the hospital stay in question since I was uninsured at the time. Payments have been made monthly in the amount of {$98.00} since XXXX of XXXX. The last payment posted was on XX/XX/XXXX. I received a letter from Wakefield dated XX/XX/XXXX which confirmed that the name, address, and amount were correct that was placed in collection. Enclosed were itemized statements which clearly show ongoing payments toward the debt to the original creditor XXXX XXXX XXXX. Furthermore, my payments are even detailed on the account summary provided by the agency notwithstanding the most recent payment which cleared my bank on XX/XX/XXXX. When contacting the hospital, they tell me that I must contact the collection agency.
Consumer complaint received 2019-11-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Mortgage company acquired my reverse mortgage in XXXX. 
My taxes have always been paid by me over the nearly 30 years I have lived in my townhome, always when due, on time and in full, as the tax records sent by my tax office to the mortgage company will confirm. 

The mortgage company claims they had to pay my taxes on XX/XX/XXXX - {$1300.00}, XXXX XXXX, XXXX - {$130.00}, and XXXX XXXX, XXXX - {$1.00}, XXXX. My tax records speak for themselves, that I alone have always paid my taxes when due, in full and on time ... Where is the proof of mortgage company payments. My tax office would gladly return any payment received from the mortgage company, as it would never have been necessary, as I have always paid my taxes on time, when due and in full, as noted in my tax records, which were sent to the mortgage company. The mortgage company wants me to pay them for the money they claim to have paid for my taxes, as well as their claims for mortgage insurance fees which they said they also paid. It is common practice for townhome/condo associations to always have a blanket insurance policy. This was also sent to the mortgage company. Any insurance paid by them was not necessary. 

ACTION FOR A FAIR RESOLUTION : I want the mortgage company to take a closer look at the facts of their claim and postpone or simply stop this foreclosure or sheriff sale. 

I would further ask that the mortgage company put in writing, the required documents to make void, a foreclosure or sheriff sale. Copies should be sent to me, and all parties with a need to know, stating that your complaint no longer escrows my account. 

Finally, I would ask that you notify all credit bureaus that I have never ever been in the arrears with my taxes and +my account with you is, and has always been, in good standing Thank you.
Consumer complaint received 2019-11-14
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. (NJ)

XX/XX/XXXX I received a email from Experian stating that my XXXX XXXX XXXX card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXXXXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called XXXX XXXX XXXX to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with XXXX XXXX XXXX and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from XXXX XXXX XXXX neither the consumer finance government.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX OF XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you