davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XXXX, Bank of America allowed someone to open an account, linked the new account to me and my account, and change contact information so that communication would be sent to their email and phone- and I received no form of notification or alert. I found out because I check my account and I immediately reported the fraud and requested that I be provided with the means used to open the account, the unredacted email address and the unredacted phone number so that I could report the information via the XXXX database. At that time I was told the link between accounts was an error based on address, but that a fraud investigation would ensue. I have since been told the account was opened using my identification and not to worry because a fraud investigation would ensue. No fraud investigation was done. All that was done was the bank investigated as to if I was lying about the fraud. I have yet to receive the information that I requested. If Bank of America is going to allow people to defraud customers then Bank of America should allow customers to be notified if/when an account is being opened using their information, notify customers when their contact information is being changed and not redact said contact information from the customer themselves. Ironically after Bank of America allowed this to happen they claimed they sent me a letter- which I never received - and then closed my fraud investigation because I failed to respond. Just wonder who actually got the letter and thinking it was the criminalor it was never sent as Bank of America no longer has my trust.
Consumer complaint received 2020-07-06
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)

XXXX has a collection account on my report I have no knowledge of. I have had the same carrier the last 6 years and its not XXXX. I contacted them and they dont even have my social or ID / its my name similar thats it - they are reporting false information and its not my account -
Consumer complaint received 2023-02-07
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 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 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I am resubmitting this complaint as Chase is referencing the incorrect transaction. I clearly stated in my original complaint that the transaction took place on XX/XX/XXXX, not XX/XX/XXXX as is stated in their response ( attached ). They have purposely withheld funds and mislead the CFPB. Here is my original complaint : " On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at Chase Bank. It was reportedly sent to XXXX. XXXX claims these funds were never received and Chase states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX Bill payment {$2200.00} ''
Consumer complaint received 2020-05-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX ALL REPORTING INACCURATELY.
Consumer complaint received 2020-05-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (MD)

Shellpoint they have been billing me an additional XXXX Every month since 2015 for insurance on a home equity account and I have my own home owners insurance. They first claimed we had bankruptcy which we never did now they changed it to home owners insurance. They owe us back pay since 2015. Our loan has been increasing and it took me all this time to find out why. I had my insurance representative on a three way call and then they denied that we were being charged for insurance.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (KY)

I previously filed a complaint regarding this matter and received a response from XXXX XXXX that included a COMPLETE FABRICATION. XXXX XXXX asserted that bills were sent to the address verified on my complaint in XX/XX/2020 with no response. That is a complete and bold faced lie. NO COMMUNICATION has been sent to my valid legal address of 7+years in KENTUCKY. I know this because you did not even have my address until I provided it on the complaint in XX/XX/2020, BECAUSE THIS IS NOT MY ACCOUNT, nor did I authorize the use of my personal information to establish it. I am happy to provide an electronic copy of an FTC report ; however, you are not legally permitted to cause me to incur the costs of printing and having the document notarized as IT IS THE RESULT OF IDENTITY THEFT. I will also provide a police report ; however, you should be ashamed of yourselves for requiring me to utilize our first responders time in such a wasteful way as they have much greater concerns to focus on at this time. I alsp have not recieved notice that you have placed a disputed by the consumer comment on my credit reports as a result of my WRITTEN dispute of this debt, another violation of law.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

HAVING ASK TRANSUNION TO REMOVE THIS ACCOUNT MANYS TIMES THEY HAVE YET TO DO SO.
Consumer complaint received 2023-01-12
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)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$25000.00}
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX, for committing Fraud. I have never given XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX XXXX XXXX to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. U.C.C 3-602/U.C.C 3-603/U.C.C 3-311/U.C.C 3-419/U.C.C 1-308/12 USC 411/ According to pervious response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in XXXX XXXX XXXX  conducts regular review of our customer accounts and on XX/XX/2022, in accordance with the terms and conditions of the XXXX XXXX which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage.

Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. 

The company stated I must pay in XXXX XXXX and I know that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the currency of a nation in the form of paper money. XXXX XXXX is considered valid for payment of any financial obligations. XXXX XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is XXXX XXXXr, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt. The act of tendering the payment in XXXX XXXX  discharges the debt.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I've been working on a mortgage assistance application for several months with Ocwen, XXXX XXXX and PHH Mortgage I've submitted financial and requested documents several times since XX/XX/2019. The mortgage has been transferred from servicer to servicer. Customer Service always states the request is being processed when I call but the mortgage assistance request is never finalized. My request has been in processing with several Relationship Managers as well. I don't want another property foreclosure sale date set for my home. I want to keep my home. My employment has been affected by Covid - 19 also. PHH is difficult to work with and customer service is difficult. 
Please assist me with the finalization of my mortgage assistance request.
Consumer complaint received 2023-01-12
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. (CA)

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$21000.00}
Consumer complaint received 2023-02-07
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. (SC)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-12-17
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 have never financed a vehicle before in my life. I worked at a car dealership as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX and I need to finance a car and cant because of the Malicious error.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have someone using my name to take out Auto Loan and credit cards that I have never used. There are addresses on my credit report that I never lived at, I have filed a police report with the XXXX Police Debt. and a complaint with the CFPB. The following accounts are fraudulent : XXXX XXXX # XXXX!
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A remark was made from XXXX  XXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXXXXXX XXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I used CareCredit for a dental procedure XX/XX/XXXX for a 12 mos same as cash offer. I calculated what amount would be needed to completely pay off the creditor before the promotion ended. 
I was going to get a XXXX from my XXXX XXXX  doctor but was concerned about the possibility of problems with paying for a new same as cash account while the other was still active. I called CareCredit and they informed me that the previous contract is always paid first and then the payments are applied to the second contract when the account is paid in full. I called them between XX/XX/XXXX and XX/XX/XXXX. 
I went ahead and had the elective XXXX in XXXX before the XXXX   contract was paid. I could have waited until the XXXX  procedure was paid in full but since CareCredit said they would pay my XXXX bill first, I had the XXXX. 
I got my bill after paying extra for a few months since my XXXX XXXX and the payment was being applied to the new contract making the old contract retain a high balance and only paying a few dollars on it. 
I called CareCredit customer service and they said they never told me that. I needed to call the XXXX doctor about the contract they put me under. I called the XXXX doctor 's office and they told me there is a min. payment due but they do not know the amount. I called CareCredit customer service again and asked for them to please listen to the recording of the representative between XXXX XXXX and XX/XX/XXXX. They said they didn't have any calls from me except my initial call on this complaint yesterday. They lied. I know I called because I wouldn't have done the procedure if it wouldn't have been as they had told me. They lied to get me to use their financing and then couldn't find the call when asked to verify. This is unfair for consumers. Please look into their practices so no one else is cheated and if they couldn't afford it would get all the back interest added to their account at the end of the term as they have tried to do with me. Most do not have the money upfront otherwise they wouldn't use this same as cash option.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX at XXXX, a friend of mine sent herself {$540.00} dollars from my smartphone to her bank account using the XXXX   application without my authorization. Ive contacted Citi bank with the issue asking to dispute and Investigate the charge from me because this charge was unauthorized and the perpetrator is going to be punished. The representative took my claim and said it will be filled, & I should expect a credit in my account within 1-3 business days. Ive explained to her due to Covid-19 Im not working and I have a son to feed, I really do need my money back to me. Today XX/XX/XXXX Ive contacted Citi bank regarding my claim & they told me its nothing they can do for me at this time, and that my dispute is still pending which isnt what I was told. Im down to my very last bit of money and Ive disappointed because I thought my bank was supposed to be on my side throughout the investigation. Please help me as I soon run out of money for this month and Im looking for answers.
Consumer complaint received 2023-02-07
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/, 2023, to update the erroneous information. I think the 3 Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (LA)

A correspondence was mailed in regards to a alleged debt of {$80.00}. This company violated multiple laws : Violations : 1. 15 USC 169 2e ( 2a ) was done by reporting a positive amount of alleged debt owed.

2. 15 USC 169 ( 3 ) was done by printing the logo on top of the page.