davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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: Velocity Portfolio Group (FL)

This debt was sold from XXXX XXXX XXXX CKS Investments . I know this because I called XXXX to make the payment, who sent me to CKS. This debt was paid in full to CKS Investments on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with CKS Investment. I have disputed this account on multiple occasions because CKS Investments and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. CKS Investments has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (FL)

I was sued for a debt that was sold to Mandarich Law Group LLC. In XXXX they filed a suit improperly and then they filed another in XXXX. I was never notified of the lawsuit by XXXX. The only way I found out was from other law firms hoping to help me negotiate a settlement. When I was made aware of the lawsuit I was already making payments towards the debt. I called in XXXX I think to see if I could make an official payment arrangement with them but they so they would drop the suit, but they wanted to ask questions about my financial situation so I told them that I would just continue to make payments on my terms. I also inquired about why I had received no notice of the lawsuit from them and the rep stated that the summons was out to be served. My court date was XX/XX/XXXX. On XX/XX/XXXX I was able to pay off the full debt so I made the payment directly through the law firm 's website. Conqensidentally the very next day XX/XX/XXXX they filed my summons returned unserved although the document was signed unserved XX/XX/XXXX and stated that the last date of non-service was XX/XX/XXXX. Also, I never had anyone attempt to serve the papers to me. I work from home and am very paranoid about knocking on my door so if anyone came to my door those days I would have remembered. Also, it's false that I moved I still live at the address on the document. So I had I never made a payment they would not as filed my summons as unserved and then if I failed to appear in court I would have had a judgment against me. Which I feel they have probably have done to other people. Anyway, I have submitted the payment to be made but I has yet to be withdrawn from my account. I've called multiple times to see why with no answer and they have yet to notify me of any issues they've had with processing the payment.
Consumer complaint received 2022-10-12
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I am trying to do a short sale on my property but the lender did a drive by BPO and over valued the property. The property exterior and interior is falling apart. 
The lender refused to do an interior. since the property is over valued just from a drive by I am deemed not eligible for a short sale. If they come out and do a full appraisal of the property they will see the property is not worth the price tag they put on it. 
I have been in contact with the lender and they said that its not eligible for a short sale so they wont order an interior appraisal. 

These are all the things that needs to be addressed and taken into consideration regarding the value of the prop The drive by value is completely over valued as these are only some of the things listed here. 
But there is quite a bit of other problems that will have to be addressed : Major termite damage throughout the entire home, some of the floors are very thin and need major repairs. 
The basement has a mice infestation. 
Hot water heater needs to be replaced and is over 25 years old. 
Gutters are damaged and need to be replaced. 
The driveway and pavement need repairs and have concrete damage. 
Foundation cracks on the walls in the basement. 
Exterior wood has some termite damage. 
Shingles on the exterior need repairs, has some missing shingles. 
The enclosed front porch has collapsed and the exterior front of the home has vines that have grown and penetrated through the walls and as well has poison ivy. 
The floor in the attic is open and needs insulation repairs. 
House has plaster walls and may have termite damage. 
The third bedroom had a water leak from the roof, the ceiling is damaged and cracked open. 
The kitchen needs updating. 
Loose Tiles in the bathroom. 
The bathroom sink and bathroom as a whole need to be updated along with the toilet since it is leaking. 
Crack in the corner of the room in the living room. 
Parts of the cellar need repairs. 
The sump pump needs maintenance Electrical Panel needs to be repaired ; it has not been improved since the 1950s. 
Washer and Dryer Units to be removed. 
New Air Conditioning Unit Aluminum Sheds outside of the home need to be removed.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I already have one open complaint with TCF National Bank. Case number : XXXX. This bank just transitioned to Huntington National Bank. On Friday my son ( XXXX XXXX ) and I had a appointment to open a new checking account per TXXXX 's instructions for case listed above. At arrival every thing was fine, we opened the new account and signed all paperwork, then time to fund the account and we were informed that my existing account that my direct deposit is paid to had a hold on the money with no explanation why. We requested the following : The account had XXXX total, we wanted to withdraw XXXX and transfer XXXX to the new account. We wanted to leave the account with a XXXX balance for the fact that there is an ongoing complaint filed with the FDIC and CFPB. The representative then returned to the office with a lady whom didn't identify her self. She stated that they may not be able to continue doing business with me because I filed a complaint against TCF and now known as Huntington National. After a very tense conversation between my son and the the lady. They advised us that there is a hold on my old checking account so the withdrawal and transfer could not happen. They requested that we return on Saturday to do the withdrawal and transfer. Saturday we show up and end up sitting there for 45 minutes just to be told by the manager that I still connot have access to my money. It is unacceptable that they are holding all of my funds from me but have allowed the wrong people to take over XXXX. I have no pending transactions nor any reason for them to hold my money
Consumer complaint received 2021-10-17
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. (NJ)

On XX/XX/2021 I filed a complaint with the CFPB against Experian for unethical business practices ( Dropping my XXXX credit score 20 POINTS for a hard inquiry which was not me who applied for anything ) then ( Dropping my credit score 53 POINTS because I had used {$310.00} on a {$500.00} limit card ). When I filed another complaint with Experian because my balance was {$210.00} and mortgage was {$150000.00} not {$190000.00}, Experian refused to update my balances and closed the complaint. This is retaliation for my original complaint along with unethical and suspect business practices. 

COMPLAINT ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I currently have XXXX closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, equifax, XXXX ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I have repeatedly told them ( XXXX ) that they ( XXXX ) didn't run it through the insurance company ( XXXX XXXX XXXX  ) that I have, if they would have ran it through the insurance company it would have been paid. MY INSURANCE NUMBERS ARE AS FOLLOWS : ID # XXXX XXXX XXXX XXXX for you.
Consumer complaint received 2021-10-18
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX in the amount of {$1100.00} on my American Express credit card I disputed the amount as the merchant didnt delivered the service. They closed my case on XX/XX/XXXX without any update to me. What I found about the merchant that they are a scam once they receive your information and charge they stop responding to you and try to manipulate cases Via XXXX to win.
Consumer complaint received 2021-12-08
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: Santander Consumer USA Holdings Inc. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXXXXXX XXXX XXXX XXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-11-08
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (FL)

I disputed this item with Equifax, XXXX, and XXXX on XX/XX/21, and XX/XX/21 and Equifax, XXXX, and XXXX have incorrectly " CONFIRMED '' this is accurate and Equifax is WRONG. 

Furthermore, Equifax, XXXX, and XXXX never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means Equifax, XXXX and XXXX didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! Equifax, XXXX and XXXX have FAILED.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, a debt collection company XXXX XXXX placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX fios beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost XXXX points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to Experian for taking 3 days to try and resolve a dispute going back 5 years ago.
Consumer complaint received 2021-10-17
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. (CA)

There are 2 complaints that I am filing on equifax one 1.2 Incomplete family support account, does not contain the county that reported it, it is missing information such as the date of delinquency, and it is duplicated on my report fraudulently increasing my debt to income ratio with both accounts ending in XXXX, this should not have been duplicated, they are also inputting fraudulent dates on them re aging both accounts to make it seem like it is two different accounts, I have submitted proof, account this is considered fraud. 2nd complaint, the statute of limitations according to the fcra has ran out to report on this it has antedated 7 yrs, the fcra places a specific time limit on when they can report delinquent accounts starting with the first day of delinquency, both items are stating family support division, both items are stating the account number is XXXX it is the same account. I have submitted proof of the original date of delinquency since they have XXXX and XXXX being the dates of delinquency. The original date of delinquency is XX/XX/XXXX which they have been reporting this account XXXX for 8 yrs now, 1 yr over the statute of limitations since the first date of delinquency, by fcra it is to be treated like a regular account such as a bank, loan, or credit card account.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/22 a withdrawal from the ATM was made from my Fifth Third Bank business checking account in the amount of {$1600.00}. It was immediately transferred to my personal checking account. Upon receiving the receipt of transaction, it was discovered that only {$350.00} of the money was received by my account. Because it was after hours that day and then the holiday on Monday, I was unable to file a dispute until XX/XX/22. I was assured that I would receive a provisional credit for the missing {$1200.00} to my account within 8 business days. When that day arrived on XX/XX/22 the money was not available on my account. All my bills were due over the week of me waiting for the credit. Some were paid and others returned causing several overdraft and returned item fees to accrue to my account. My banking and bill payment history will show that I have never had late payments or overdraft issues in the past. On XX/XX/22 I visited the branch where the transactions were made to check on the status of the credit. The bank representative called disputes and I was told that they dont know why the credit hadnt been issued and I was going to have to wait up to an additional two more business days because investigators do not work on the weekend. Additionally, I would not be reimbursed for the NSF fees that were issued by the businesses for the returned items. I have current health issues that require medication that I can not purchase because of my negative account balance. I can not buy food, gas and many other items essential to daily life functions for myself and my family due to my money not being available for an extended period of time. The banks collection department called me on XX/XX/22 asking for payment to bring my account to a positive balance. This was very confusing as I was expecting the account credit the very same day. The lack of communication between departments, the business practices and policies of this bank have created a domino effect of problems for me. It is unfair to me as a customer to have to suffer additional financial loss as a result of a bank error. This ordeal has caused not only financial hardship, but mental anguish, and health complications as well.
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Dear CFPB Team : Portfolio Recovery, a debt collection company, has been calling my phone since around XX/XX/2021 ; sometimes several times a day. ( On my caller ID, they are " Portfolio Recvy. '' ) They have called me innumerable times under innumerable phone numbers. One phone number was XXXX on XX/XX/2021. The last call was today ( XX/XX/2021 ) at XXXX XXXX  from phone number XXXX. These phone call practices are a violation of the FDCPA. 

After I received approximately 20

phone calls, I looked up who they were on the internet. Then, I began blocking and deleting their phone numbers ; however, they seem to have thousands of phone numbers to call from.

I have a credit score > XXXX. I owe no unpaid debts. I have never answered the phone calls from this company, as I do not want to waste my time talking to a company when they have no legitimate business calling me.
Consumer complaint received 2021-10-18
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. (FL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX  2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

on XX/XX/XXXX, a purchase was made from my XXXX account for airline tickets in the amount of XXXX. I contacted XXXX and chase bank to inform them of the fraudulent purchase. My credit card was canceled and I was given a new one, and chase provided a refund for the transaction, stating they would investigate the fraud. 

In XXXX, Chase rebilled the purchase, stating that I received benefit from it, since the airline tickets were under my name. I did not purchase the tickets, or use the tickets. They were canceled and should have been refunded. 

Chase continues to give me the run around and will not provide me with a refund for the recharge. They continue to claim I need to speak with XXXX, when I already have on numerous occasions and XXXX can not help me further, as their system shows my tickets were canceled and my card was refunded.