davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have repeatedly over the last 3onths reached out to XXXX CBNA to resolve a card with fraudulent charges. The card was charged off 2 years ago. Before the charge off I called in to let them know of the theft. My online account access was removed and so I assumed everything was taken care of. Now they are reporting the charge off for fraudulent charges to my credit. I have requested documentation from them several times and they responded that they don't have it. They have no signed receipts, no notations of my contact previously and little else. They refused to open a fraud case because I do not have the statements. They also do not have any documents. They laughed at me and told me there was nothing I could do about it and that I'd have to just pay them. These are fraudulent charges and shouldn't be collected not reported to my credit! I even filed the FTC affadavidt with the bureaus and CBNA.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (OR)

Men are calling my brothers business phone to collect an alleged credit card debt of mine from XX/XX/XXXX. They left messages stating they were from the " fraud investigations unit '' at XXXX and XXXX XXXX , XXXX. They are using two different names when attempting contact. They have my current address and telephone number. My brother received the most recent call on XX/XX/XXXX at approximately XXXX. They gave him the number XXXX and name of XXXX XXXX. I called them back at the same number at XXXX and asked for XXXX XXXX XXXX The male receptionist said he didn't have that name attributed to my case and asked for my account number. I explained I had only a reference number # XXXX and he transferred me to another male. This man asked me for my social security number. I told him I was uncomfortable giving my social security number out, he stated he had to verify who I was before telling me why he is calling and that he had my full social security number already, he then hung up. I immediately called back, asked the receptionist what the company name was, why they were contacting me, who did he transfer me to and why they are contacting my family members. The receptionist told me my name and address and explained he would transfer me to XXXX XXXX - the man handling my case. I was again transferred to the same man - now identified as XXXX XXXX. I asked him why they are contacting me and my family members, why I need to provide my social security number before he tells me what these calls are about and that his receptionist already has my name and contact information, he responded, " I have all of your information here, I just need you to verify the last four digits of your social security number to disclose why we are contacting you. '' I agreed to the last four digits only, gave him my last four digits and he told me this was a {$9600.00} credit card debt from XX/XX/XXXX with Chase Visa. I told him I did not have a Chase credit card then, now or ever - to which he said, he would send me the information in the mail and hung up.
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (FL)

On or about XX/XX/2018, I received a phone call from Credit Collections USA about a debt for XXXX. I requested information about the alleged debt and was told I needed to pay. I again requested information and their representative requested my social security number. I refused to provide that information. She stated they would mail me a statement, I never received one. Then I received an alert on my credit report and it was for Credit Collections USA. I called the telephone number listed and verbally requested information about the account, the representative again did not provide any information. I asked if I needed an attorney and she stated they could not talk to me since I had an attorney. On or about XX/XX/2018, I sent them a letter stating I had no attorney and would like information about this account. On or about XX/XX/2018, I sent them a letter requesting validation and did not receive anything. I again sent them a letter requesting validation and received a copy of a copy of a bill from company.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Addition to complaint # XXXX Equifax has received several certified mail correspondence disputing the inaccuracies of my alleged public records information. I've requested under the FCRA section 609 ( a ) ( 2 ) to provide the documents used to verify the bankruptcy listed under my name.

I've also requested under FCRA section 611 ( 6 ) ( B ) ( iii ), to describe their procedure used to determine the accuracy and completeness of the information. 
All of my requests have gone unanswered, instead Equifax states that the bankruptcy has been " verified '' and provides the name of their source XXXX. 
In XX/XX/2018, I placed a security freeze on my XXXX records which makes it impossible for any entity other than law enforcement or other government agencies to access personal information listed under my name, ( see attached document ), I also suppressed my personal data with XXXX which would also prevent access to my personal data by any entity other than law enforcement or other government agencies ( see attached documents ). 
For Equifax to state that they have " verified '' my information with XXXX, I have now proven the statement to be a deliberate and will full false statement of fact. 
In addition, the public records data from XXXX does not comply with the National Consumer Assistance Plan ( NCAP ).

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of XXXX document. 
The data from XXXX only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report. 
According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from XXXX reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here XXXX claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to XXXX, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore XXXX is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by Equifax which cite XXXX as their " source. ''
Consumer complaint received 2018-09-12
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: CORELOGIC INC (NC)

I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (KS)

Sent BB & T a {$9500.00} Principle only payment on XX/XX/18 with a letter saying : " Apply the enclosed {$9500.00} immediately to the principle balance of the loan. DO NOT apply this amount towards interest or regular monthly payments. '' on XX/XX/XXXX18, both the {$9500.00} check along with regular {$940.00} mortgage payment cleared our bank. I get a statement from BB & T dated XX/XX/XXXX18 showing that only {$9000.00} had been applied to principle out of the combined XXXX. Called BB & T. They could not explain why the full {$9500.00} was not applied to principle. They refused to recalculate interest for XXXX even though the loan amount was less for most of the month. 

BB & T has stolen thousands of dollars by misapplying payments and misinforming me about how to remove PMI over the Couse of the loan.
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (VA)

Southwest Recovery Service is attempting to collect a XXXX XXXX debt for my step child. The debt is 8 years old and belongs to my wife however during that time we were not married nor living together until several years later. She is also fighting it on her side and has receipts to prove the debt is not valid. Southwest Recovery Service never contacted me about the debt but I found it on my credit report a few months ago. Tried to dispute it, letting them know it was not my debt, nor my child, nor was I involved at that time but they refuse to remove the debt. I asked them to provide evidence that the debt is mine and they can not.
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This new complaint is associated with Complaint XXXX. I am convinced Bank of America ( BOA ) continues to find way to charge their customers more in fees and penalties to increase their profit margins. I transfer funds between my BOA Checking XXXX and Over Draft Protection or Credit Line accounts XXXX. Account XXXX has a limit of {$3600.00}. BOA lags between the time they are freezing my checking and in crediting the accounts receiving transfer funds. Then BOA charge me Non-sufficient Funds ( NSF ) when actually my two accounts have sufficient funds if BOA would not set on it They always give me the same excuse that personnel do not work on weekends and holidays. Their computers sure will hold funds from my checking on weekends and holidays. BOA should and could program their computers to do both transfer and pay at the same time. 

I received a letter yesterday ( Exhibit 9 ) stating {$400.00} NSF, which is incorrect. ( Exhibit 7 )  shows were I paid {$3400.00} on XX/XX/2018 to the Overdraft or Credit Line Account XXXX. ( Exhibit 6 ) shows BOA did not credit account XXXX the account until XX/XX/2018. They returned the payment of {$400.00} for NSF and charged me {$27.00} without checking on available funding in both accounts. I called BOA today asking why the funds were not credited or payment made. BOA said the payment was not paid. Exhibit 8 shows were I transferred {$400.00} again today to the XXXX account. Account XXXX does not show being credited as of now. 

BOA is too large to fail, but they need to reconsider all their charges and fee. They are destroying me with all of them.
Consumer complaint received 2018-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I called the company on XX/XX/XXXX and explained that my income level has changed. I have been making payments toward this account for four months. the payments are semi monthly and range between {$320.00} to {$350.00} per payment. the original loan amount was {$2400.00} and even though I am making payments regularly, I still have a balance of well over {$2900.00} dollars. Only XXXX per payment is being applied to the principal balance of the loan. it is not explained that the account adds interest each day that the loan is not paid off. I called on the date listed above to request a settlement to pay the balance in full since my income has changed. I was informed that this is not an option. I was advised that the total balance due was going to increase by more than {$700.00} at the end of XX/XX/XXXX.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2018-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Could you please assist me with rectifying, according to law, how a mortgage Servicer/Lender can require me to pay for a hazard policy that was never forced placed? 

As background, on the XX/XX/XXXX I close on my house which was originally financed by XXXX. XXXX. At closing I paid for a full year of Hazard Insurance coverage ( set to expire XX/XX/XXXX ). Before my first mortgage payment was due, PennyMac bought my loan from XXXX. XXXX and since I have been making payments to include escrow for hazard insurance. 

To my surprise, on the XX/XX/XXXX I  received a call from PennyMac informing me that my hazard insurance policy was cancelled. Which was discovered by PennyMac when they made contact with the insurance carrier to renew the policy. I immediately called my insurance company only to confirm the bad news. Since I have found a new policy and informed PennyMac to pay for my new insurance out of the escrow account. PennyMac took care of the new policy and went on thinking everything was back to normal ... or so I thought. 

XX/XX/XXXX, I received a letter from PennyMac asking me to provide proof of insurance for the time frame when the policy was cancelled or they will buy insurance for approximately {$2000.00} and will take it from my escrow. This is bizarre, I question how can a servicer/lender require a borrower to pay for insurance premiums when there was no forced/lender placed policy to justify the premium. I called a few agency to see if I can buy insurance for a period that's in the past and I was told that's illegal and impossible. Now, how can PennyMac buy coverage for a period in the past?
Consumer complaint received 2018-09-11
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. (NY)

In XX/XX/2018 I wrote to XXXX, XXXX and Equifax including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on XXXX And Equifax in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (TX)

I applied for a Wells Fargo credit card no interest for 18 months on line. I received a email explaining that I should receive or be denied with in 7 days. After not hearing from them in 7 days I called and spoke to a live representative. She informed me that I couldn't be identified by my phone number. So I gave her my house number in which she said I could be identified by this number. However, I was on the road and could not get to the number so I suggested going into a branch. She said that for me to take two identification to a banker at one of the branches. I went into a branch in XXXX XXXX explained the issues gave my XXXX cdl license, US passports, and my Social Security card. However, this was not enough even though I had two previous account with them. I explained that these unnecessary procedures was due to my racial heritage. I have applied on line for credit cards before and due to my credit 99 % I was approved as soon as I submitted.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I utilized the atm to make a deposit of both cash and checks on XXXX XXXX. The atm jammed and did not credit my deposit. I went into the branch and one of the representatives took my claim and phoned it in why I stood by. Being that no deposit slip was required I did not have a detailed list of my checks that I deposited but I did know about how much the majority of the checks and cash came to ( XXXX ). {$350.00} was a cash a deposit which I was most concerned about because how do you prove how much cash you put in the atm. I didn't understand why one of the representatives wouldn't go out to the atm and collect the jammed deposit. The representative told me that XXXX would have to come do that. I followed up on the claim that evening or the next day and was told it would be 10 business days to " investigate '' the claim. Several days later a temporary deposit was placed in my daughter 's checking account and not my savings account as directed by me. On XX/XX/XXXX I received an email that there was a correspondence in my chase app. When I found the letter it again was in my daughter 's account dated XX/XX/XXXX where I was notified that they were reducing my deposit by {$840.00}. There was no explanation as to why. When I called in a representative said they would ask but refused to call me back. She stated, " we are not allowed to call customers. '' I am beyond dumbfounded at how I have been treated throughout this whole process. Not one time has Chase bank ever called me or " investigated '' my claim. An investigation would have involved actually talking to me and not sending me generic emails. I requested from Chase all of the notes and what items were accepted as deposit and I am still waiting for their response. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a first financial account not reporting correctly at all- XXXX XXXX shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account consumer collection management that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (CA)

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-12-28
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 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 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.