davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

Unlawful Foreclosure. Unlawful Foreclosure. I have submitted a full and complete loan modification application to XXXX and as of XX/XX/2019 with the debt collector XXXX. As of this date, we have received nothing but a deceptive response from both XXXX and XXXX and no accurate status regarding our request for the loan modification Our home is currently in active foreclosure with the sale date scheduled for XX/XX/2019. Therefore ; pursuant to California 's Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to my loan modification application and legally wait for at least 45 days from the date of receiving a denial for the homeowner to respond to the denial. Active foreclosure sale date scheduled for XX/XX/2019 must be canceled immediately.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX I received confirmation that the inaccurate addresses were deleted from my credit file but as of today 's date, the addresses still remain. On XX/XX/XXXX I sent Equifax a correspondence asking them to remove the incorrect addresses as they stated that they would but as of today 's date, the addresses still remain and the Credit Reporting Agency has not respond. Credit Report dated XX/XX/XXXX still show incorrect addresses
Consumer complaint received 2019-05-23
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. (TX)

I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except Experian is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct
Consumer complaint received 2019-05-23
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: CAINE & WEINER COMPANY, INC. (GA)

I received notice from XXXX that this creditor reported a collection on my report. I dont know this company and they have never contacted me. It is against the law to report information to the bureaus without it being validated. I have never heard of this creditor nor have they ever contacted me. Without validating I have any business with them they are breaking the law and I dont owe them nothing. So they need to remove this debt from my report ASAP or Id like to file charges against them for reporting wrong information to a third party in an effort to discredit me.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I had inquired about a camper from XXXX XXXX of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I now have all of these hard pulls against my credit that I did not authorize!
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC (NY)

Dear CFPB, I am a hospital resident in training at New York XXXX Hospital in XXXX. I am not aware of owing any debts ( I just had a loan officer confirm this ), but this is beside the point. " Arcadia XXXX XXXX XXXX  '' has been calling me on a non-private hospital line that is supposed to connect doctors to the resident work space. It is a line shared by all the residents and a very busy one for communicating vital healthcare information. 
How Arcadia got this number I am not sure, but I have told them to stop the first time. This is the second call I know about. Interrupting a hospital service for a private matter is completely unprofessional, and if my admonishment won't stop them from doing this again, I hope you can. Thank you.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

In applying for an American Express Everyday credit card which offers 0 % balance transfer for 15 months and {$0.00} fee for transfers ( which was approved ),  no where in the online OR written agreement that is sent with the card does it stipulate that the maximum amount you can transfer a balance is 75 % of your limit or {$5000.00}, whichever is reached first, which is what I'm being told is the policy. My limit is {$20000.00} and they are saying I can only transfer {$5000.00}. This IS NOT disclosed anywhere in the written agreement that comes with the card OR online which their representative acknowledged on XX/XX/19.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (OH)

I was charged {$96.00} for a diagnostic repair on XX/XX/2019. The amount of {$96.00} was paid the same day to the technician. I received an email confirmation. However, sometime sss the XXXX company sent me multiple invoices saying I still owed. I told them on multiple conversations that I had already paid the debt in question in full. They told me I had to prove that I had already paid my bill. I explained that I complete my fiduciary duty when I paid for their services on XX/XX/2019. I also purchased a new {$700.00} replacement dryer from XXXX months after paying for the diagnostic repair. 
It is unethical and careless of XXXX to force a paying customer to prove that they paid for a service, where they were the ones responsible for sending the invoice. Had I not been a responsible consumer and kept up with the invoice/receipt from 5 months ago, I might be responsible for paying this inaccurate debt. XXXX sent this debt to collections after being told multiple times that the debt had been satisfied.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to the bureaus asking them to remove a Late payment from my credit report which reported a 30 days late payment in XX/XX/2018 as a Goodwill/ Courtesy, being as I was never late in paying this account and I encountered some serious financial issues at that time. I want to apply for a mortgage loan and this is affecting my credit scores. I have been writing to them about removing this late payment since XX/XX/2018 and they refuse to be courteous in doing so.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (IL)

I paid a debt collection off in amount of XXXX. File number XXXX. XX/XX/2018. The name of the company is NCC Business Services. NCC Business services refuse to remove the collections off of all of my three credit reports saying to me the credit burea has to do it. It is not fare to me. The collection has paid in full and remove the collection.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

I had a vehicle that was totaled on the same day as the car note payment for that month ( XX/XX/XXXX ). I purchased full coverage through XXXX XXXX AND total loss protection ( gap ) insurance through XXXX XXXX XXXX XXXX XXXX. when I bought the car in spring of XX/XX/XXXX. I filed a claim immediately and my car was signed over to XXXX XXXX  so they could handle the claim in its entirety. Now, Ally Bank has claimed that I've owed them {$330.00} ( which I don't understand because my payments were only {$230.00} a month ) and this has plummeted my credit score from a mid 700 to a low 500.  I've been trying to resolve this for almost two years now and when I tried to call Ally about it, they either ignore me, hang up the phone, or keep me on hold for hours. I have submitted documentation of my insurances and a letter from my agent stating that XXXX XXXX took ownership of the vehicle, yet there still remains TWO " XXXXcharge off '' marks on my credit score for this same issue. From my research and understanding, once you get one " charge off '', that's supposed to be the indicator that a company has given up on trying to collect from a consumer directly and has sent the payment to collections. They also lied and said I paid them and was in good standing for three month of XX/XX/XXXX. The information is inconsistent and scattered and incorrect across all credit reporing agencies and I need it off my credit report entirely.
Consumer complaint received 2020-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX, Total Card, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. I sent XXXX, XXXX  and Trans Union a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I had request my daughter to remove her name off my checking account, I was told she removed he name from my account XX/XX/XXXX, so I would not have to open a new account. 
Also I remover my child as power of Attorney over my checking account. Documentation was provided to the bank. 
At no time did Chase Bank Manger, located at XXXX XXXX XXXX, XXXX, Texas tell that someone could assess my account on line- I told him several time that I was a XXXX person of XXXX, and my child had be using my account as her personal account and I wanted it stopped. He laugh about the matter. 
He never told me an app and my account had on-line assess ad of XX/XX/XXXX. 
THE manager has done every thing in his power not to stop my account from being abused. 
). However, that has been a on-line scam set up on my account through XXXX, every two weeks money is being drafted out of my checking account without my permission. I want my money put back into my account as of today. Otherwise, I will call the police and make a report and take legal action against this bank. XX/XX/XXXX ( amount of XXXX ), XX/XX/XXXX ( amount taken from account XXXX ) again XX/XX/XXXX ( XXXX ), XXXX told me the person is removing money from the checking account though a website. My XXXX card was cancel. that I want all on-line bank assess to my checking and savings closed that include all Apps. No one should have any apps or on-line back XXXX to any account at this point. Chase refused to stop the online banking on my acount. 
I ask for a print out of the account, he refuse to give me one until I told him I had concern. he gave me a print out but without who was pulling money from my account. 
Next, after calling U.S. Department of Veterans Affairs, a insurance check was deposit into a saving account without my knowledge ( check amount {$10000.00} ) XX/XX/XXXX. I have no knowledge of every having a saving account with my name on it during this period of time. But and investigation has started. Who set up a saving account in my name in XXXX, I have no knowledge of Chase giving me information about a saving account. 
Chase Bank in XXXX is helping to abuse my account and will not give me correct information on the account, I want this matter look into.
Consumer complaint received 2020-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, unauthorized and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (FL)

Perfection collection of Utah continues to dispense adverse information to XXXX/ XXXX . It is my understanding that Perfection collection purchases accounts from XXXX XXXX XXXX. We felt that XXXX back in XX/XX/2015 was supposed to activate our account and provide alarm services to us at approximately $ XXXX/ month. 

Since I have had equipment existing in the house from XXXX, we informed them that all we needed was a key pad change. 

After sending out a tech to install the key pad, I was astounded when I received a bill for over XXXX for equipment! 

Despite my attempt to correct this misinformation, we have not had success. 

Recently, perfection collection in XXXX, Utah purchased accounts from XXXX and now claims I must deal with them directly, despite several attempts to resolve this issue that has negatively impacted my credit. 

To date, we have not been successful. We essentially had no service with XXXX and we felt that they reneged on the contract by not telling us before- hand what the price of installation will be. 

We are asking you to review the above and tell us if you can be of help have Perfection Collection remove the adverse information that negatively impacts my credit report. 

The credit card company, XXXX XXXX investigated the charge and later removed for lack of evidence to support the claim of > {$4000.00}. 

XXXX reputation precedes that as the internet shows numerous customers who were XXXX! 

Working with other credit companies was not helpful.
Consumer complaint received 2019-05-23
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. (NC)

A hard inquiry showed up on my credit report from XX/XX/XXXX from XXXX XXXX   and I have never talked to XXXX XXXX. No good phone number to contact. I did dispute with equifax but they would not help.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

I filed a complaint with Chase Credit cards for an online transaction I never received from the XXXX XXXX ( ordered around XXXX XX/XX/XXXX ). I filed an additional complaint with Consumer Financial Protection Bureau ( XXXX ) on 3/XX/XX/XXXX after it was not resolved. 

Chase contacted me and I explained that I never received any item from the company, they said they would contact me within 48 hours with a response to my complaint. They never contacted me again and now I am being charged interest and late fees on an item I never received. Interest charged XX/XX/XXXX for {$1.00} and a late fee of {$25.00} on XX/XX/XXXX. 

I want these charges reversed because I never received anything from XXXX XXXX and late fees and interest fees dropped too. Under Federal law I have the right to dispute any amount over {$50.00} and they have an obligation to fairly resolve it. 

XXXX XXXX no longer has a working website and has been reported by other users to be fraudulent, but Chase has still failed to take action and is now charging me additional late fees and interest. 

A dispute was also filed with the XX/XX/XXXX and XXXX XXXX never responded back to my complaint.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Audit & Adjustment Co. Inc. (WA)

On XX/XX/19 around XXXX XXXX Pacific time, a lady called my place of work and asked for me by my full name, which is unusual in my line of worker. So my coworker asked where she was calling from and she hesitated but before saying Audit and Adjustment Company. My coworker put her on hold to let me know and we both were confused. Before I could pick up the call, the woman had hung up. I told my coworker I have no clue who that was or what that company is. My coworker decided to XXXX it and discovered it was a debt collector. This was an extreme embarrassment for me and now that info is already spreading amongst my office whispering about me.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2019 I faxed in all necessary documents to Equifax to remove my security freeze including my SSN, drivers license and written memorandum. My mortgage company informed me of the security freeze and I was unaware because I never placed a security freeze on my account. Now Equifax is refusing to remove my security freeze and refusing to release any of my information to me.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (MD)

I have previously filed complaints against XXXX XXXX XXXX and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because XXXX refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against Absolute Resolutions and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was  not. Neither are in arbitration at this time. See complaint number XXXX for more information.
Consumer complaint received 2019-05-23
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: CITIBANK, N.A. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports Delete the inquires which has been created after 2015
Consumer complaint received 2019-05-23
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. (MD)

Experian said they looked into/confirmed a bankruptcy on my credit i disputed it and they claim they confirmed it with a company and i believe i have a right to know the name of said company and person [ s ] that confirmed it or were talked to. There are at least 3 things wrong on my credit 1 the bankruptcy 2 wrong spelling on my middle name 3 they say i worked for some company i have never heard of but? they removed that. i'm not calling them to get the run around and given fake excuses for not giving what i believe i have the right to know ow and one last little fact they have 2 late payment on my credit report but?  when i click to see details on theses late payments there is nothing no surprise here!
Consumer complaint received 2019-05-23
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: AMERICAN EXPRESS COMPANY ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Consumer complaint received 2019-05-23
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: U.S. BANCORP ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Consumer complaint received 2019-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports