davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is located in XXXX XXXX, Tx and I live in XXXX, Tx over 4 hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXX has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
Transunion has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.
Consumer complaint received 2020-12-08
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. (MD)

I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (NY)

My wife had XXXX XX/XX/XXXX. After the XXXX no bills from XXXX XXXX were sent to us. Summer of XXXX we received a collections notice from Revco Solutions to which we immediately called. Between Revco and XXXX health it was determined that the wrong insurance was charged. I provided everyone with the correct health insuarance and now months later I get another notice from Revco Solutions. I literally just got off the phone with them XX/XX/XXXX @ XXXX explaining this. The were not willing to help but this time told me I could pay and take it up with my insurance. 
My primary health insurance has not changed since XX/XX/XXXX. Our secondary is XXXX since XX/XX/XXXX
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NJ)

During a move to a new apartment I had recently had my wallet stolen and had to disable and request new cards. Chime ( XXXX  XXXX  ) sent me a new card that said to log into the app to activate. When I attempted to log into my app the message I received was that the account was closed or suspended. I had assumed at that point that I would just need to reach out to customer service and have them reset my app, or have me create a new account log in. However, there is no live customer service person to speak with, so the only option is contact through emails. I have had emails sent to them since XX/XX/XXXX regarding my concerns, and that I NEED my money that was being direct deposited into that account. I got multiple responses from multiple different people saying they were willing to help me with my account if I could send documents such as my license and social security card for verification, which I expressed many times already was taken with my wallet, and I need another way to prove ID if that's the case. It has been over a week now that I have had no access to my money, and no real resolution. If they are planning to mail me a check I would need my statement and change of address updated. Otherwise I have requested they transfer my funds to the bank account I have linked. Regardless its unethical to close someones account and give them no way to speak with anyone to resolve the issue, or refund your money in some other time efficient way.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NFM, INC (NJ)

On XXXX XXXX we have purchase our first home, and we did not ask any question about anything we were very excited for our new home, we did not bother to ask like millions of home owners, but our Ignorance of the law we couldn't see anything wrong until we starting looking for information about our property we starter seeing that every single document in our possession was not sign, however we start to get info and research about this matter and after consulting a 25 year experience CPA we were able to find out that our XXXX XXXX  was not even a Mortgage, no signature it was no loan in other words it was a fraud. after months of research and study we came to the conclusion that in fact was a fraud, so therefore is null and void. After digging with the help of our CPA we were aware of the Known concept of Generally Accepted Accounting Principles ( XXXX ) giving us the understanding how the Banking System works. with over XXXX hours of research we starting to comprehend what was really going on. Now we know that our loan was a deposit According to XXXX and and expert CPA name XXXX XXXX XXXX here is the link : XXXX : XXXX out of this document our eyes has been open
Consumer complaint received 2020-12-08
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. (FL)

On XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to CBNA and Sears/ CNBA and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you XXXX  so you can remove the hard inquiry. I also attached a credit shot of my XXXX XXXX showing that the information is still reporting on my credit report.

Feel Free to call me at XXXX
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

In XXXX i got a XXXX $ loan from XXXX XXXX and was paying until XXXX. When I asked for the balance it was XXXX more than the original loan and I sent XXXX  a check for XXXX in XXXXand now they are foreclosing not giving me any options to keep my home
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

XX/XX/2019 debt of ( {$830.00} ) placed with a company known as XXXX XXXX XXXX. Ive never done business with this company and have disputed information such as this in the past on my credit report that came as a result of a merged files and/or identity theft. Other than my credit report, Ive never heard of this company prior to checking my report recently.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to you in regards to my Wal Mart credit card account. In XXXX, XXXX, Wal Mart Credit Card was transferred to Capital One Credit Card Company. At this time, I was not receiving my monthly statements due to an error in the system. I could not contact Capital One directly because I no longer had this credit card. I realized there was a problem with this account when my husband and I tried to refinance on our home. Our loan officer pulled our credit report and informed me of this delinquent account. Our loan officer provided me with a phone number to call Capital One. 
From XXXX XXXX to XX/XX/XXXX, I did not receive my monthly statements so I made online payments of {$75.00} each month. The problem is that I did not realize that the minimum payment was {$120.00} which caused this account to be delinquent. No one from Capital One contacted me. The late fees were added and credit reporting lowered my credit score from XXXX to XXXX. As a consumer, I know how important it is to pay your bills on time. My husband and I are trying to refinance our mortgage loan. Because of this one credit card error, it has caused my credit score to drop drastically and not be able to refinance on our home. 
When I called Capital One last Thursday, XX/XX/XXXX and spoke with three different supervisors, I soon found out that my address was listed in their system incorrectly as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX. Over this 5 months period, no one from Capital One tried to make contact with me. I did speak with XXXX, Capital One supervisor, she informed me that she was not able to take off the late fees and resend the corrections to the credit bureaus. She asked me to put this claim in writing and make a dispute. As a consumer, I do not feel that I am being treated fairly. 
I am hoping that by filing this claim, the CFPB can investigate this case. You can also see from my credit report that I do pay all of my bills on time. Ultimately, I would like for Capital One to remove all of the late fees, correct the error, and report correctly to all 3 of the credit bureaus. I truly appreciate you looking into my case and I hope that this can be resolved very soon.
Consumer complaint received 2020-06-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DE)

I currently have a mortgage with Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH XXXX. Over the past three-years or so, I have been making monthly, electronic payments toward my principal and have specifically wrote in the memo section that the payment be applied to my principal. Further, I made an electronic payment to be applied towards my escrow and specifically stated this in the memo and Fifth Third Bank continues to misapply my payments. When I called Fifth Third Bank about this matter, I was told XXXX XXXX is the person who would be contacting me by phone but she never did. I had to log onto their website to get her response. I have been trying to speak with her because I want an accounting of my account over the past three-years but am not able to get her to return my calls. I received a letter pertaining to this matter and the letter stated if I had any questions to call the number in the letter. I called several times and left several messages but no one has returned my calls.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

My mortgage company is refusing to work with me on a forbearance or payment deferral due to the government shut down and stay at home orders which prevented me from earning an income. It is privately funded to they do not have to comply with the cares act but should have a moral obligation to work with their borrowers who have been impacted by this pandemic and forced to shut down their businesses and prevented from earning an income.
Consumer complaint received 2020-06-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$15000.00}, {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC (WA)

XXXX?, XXXX my VA loan was processing with myself and partner. Loan adviser noted that partner had a collection. We knew about it, have been disputing it for years ... hosp bill. I contacted the collection agency to try and take care of bill. I offered half of what the bill was..being nice knowing that we weren't responsible for it. The man said no, hung up. A couple weeks later we decided to continue the loan process anyways, wouldn't affect it. A day before the inspection/appraisal, after months of getting our loan together, the bill was on my credit report. I called them very angry and they said they have proof of a marriage lic for me and partner. We are NOT married. I lost my loan. I sent them a letter stating remove it or else. It's still there and I can't move forward with a new house until its removed. I have nothing to do with this bill. I have contacted a lawyer. This company is fraud ... XXXX XXXX was the contact at the business.
Consumer complaint received 2020-06-22
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. (MO)

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} XXXX {$23000.00}
Consumer complaint received 2020-06-08
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. (IL)

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!
Consumer complaint received 2021-01-07
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  XXXX  Secured Credit card opened without my knowledge but appears on TransUnion credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I woke up XX/XX/2020 to find I have an email saying my credit went down due to the fact that I had a collection added to my credit report. I opened up XXXX  and it said IC systems but nothing stating whom its for. I called IC systems and spoke to a gentlemen who collects debt. I asked the gentleman whats this about and he couldnt find me anywhere in his system. Then he finds me and says its for XXXX. I said its not me. I went through this before and it was taken off by XXXX. So I asked how long this was in his office and he says for 50 days. I said well how come I didnt get a phone call or letter in the mail stating whats going on so I couldve at least taken care of the Situation some how before it got on my credit report. He stated that they have The wrong info for me. I said thats not my fault. He agreed. Im writing you guys because the collection agency never contacted me to inform me of the debt before placing it on my credit report and I requested validation of the debt and that they need to remove it from my credit until they provide me with the validation.
Consumer complaint received 2020-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XX/XX/2020 my credit score went down 51 points on trans union and 69 points in XXXX. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called trans union but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. XXXX  does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

A year ago I worked for many hours to help heal myself from identity theft but Equifax refuses to help but instead abuses me. This collection is the result of identity fraud. I have filed multiple police reports, complaints, contacted Equifax dozens of times and even filed a XXXX   report against this fraudulent collection company but Equifax refuses to take the fraudulent collection file off my report but they allow it to update instead of falling off. This is abuse. I demand that this collection report be removed from my file immediately. Honestly I wish I could ask for an apology from Equifax but I know that is impossible. 

Date Reported :XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2020 I have paid for gas in XXXX near XXXX at the gas station {$30.00}, however at the credit card statement I found another transaction made at the same date and time amount of {$370.00} which I have not made and have not authorized. After investigation Chase Bank declined to consider second transaction as fraud and rebilled the full amount of {$370.00}
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IN)

I closed my home refinance on XX/XX/2019. At that time I was told my old mortgage would be paid off by a wire transfer and my " cash out funds '' would arrive via an overnight delivery in the form of a check. 
I was also told and signed documents on the XX/XX/19 that stated my next mortgage payment would be XX/XX/2019 and not to pay the XX/XX/2019 mortgage payment because the final pay-off amount had been determined by the lender and my existing mortgage would be paid in full based on the payoff amount at the time of closing. All documents said the payoff would occur within 5 business days of the closing after the right to rescind had passed ( in Indiana it is 3 business days. ) It is now XX/XX/19 and the loan funds have not been disbursed. I have received payment information regarding my new mortgage telling me when my new payment is due but the old mortgage is still not paid and now has a late fee due. The lender, LoanDepot will not return my phone calls or messages and will not tell me when the funds will disburse as promised. I am currently carrying 2 mortgages on my home and I can not get an answer regarding why the funds have not been disbursed or why my existing mortgage has not been paid.