davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CT)

I have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. 
I do not have any responsibility for this debt.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called TransUnion Credit Bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (OH)

I lost my job and could not pay my credit card debt. I was going to file bankruptcy when my wife went out on XXXX. I did not think at my age I would find another decent paying job. I did get another job but this delay payments for 6 months when I called the credit card company they wo n't allow me to pay it. They keep having us call back and we 've done this for a week. We decided against bankruptcy since I 'm working again and have almost all our creditors paid off but this XXXX. We are not avoiding payment we want to pay them but they told us no and wo n't take a payment for what we owe and stated if we mailed them a check they would not cash it and would be sent back. Were so confused and frustrated we just want to pay off the debt and start building our credit again. We know that each day that goes by were impacted by late fee 's and interest and were frantic to pay it off ... please help us.
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

In XXXX Citi said that I was behind in my payments. I was current. Citi refused to accept my money. I was presured to enter into a HAMP, in order to keep my home. I gave Citi XXXX dollars and agreeded to pay {$1800.00}. per month until the XXXX dollars was paid to Citi. I paid XXXX dollars and lost my parttime job and could no longer pay the blood money. Witch was in unapplied for 5 years. When I inquired about the money, they used it for bogus charges and absorbed all of the funds. Last year in XXXX I tried to fix this henderious mistake, with XXXX XXXX XXXX. I am in a home owner modification that went from 2 % to 3 % and my mortage actually dropped to XXXX dollars, Just recently in it peaked to XXXX dollars with an added amount of {$87.00} dollars for an appraisal of property that did not have all of the paper work. Why am I paying for an appraisal before being accepted in the program? Citi is very fraudlent.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

Equifax continues to provide my credit report to companies that do not have my permission or authorization to receive this infomation. As such, Equifax is showing XXXX hard inquiries on my credit report in the last 2 years, when in fact it should only be XXXX, max. I have reached out to equifax and have been told they do not remove inquiries and that I need to contact the companies and ask the companies to remove the inquiry. Several of the companies have indicated they did not request my report and do not show an inquiry to request removal.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: LEXISNEXIS (MD)

Lexis Nexis, on or about XXXX XXXX XXXX, reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness. 
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further, when I filed a previous complaint, XXXX, the relevant company denied reporting any prior late payments. 
Bottom line, Lexis prepares consumer reports in the ordinary course of business and, therefore, under the FCRA, they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account, Lexis was reasonably on notice its information was inaccurate and failed to take steps to ensure maximum possible accuracy.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.
Consumer complaint received 2017-03-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NC)

I have had some problems with PayPal in the past, and submitted these to this website. Now I have a " Compliance '' department asking for documentation that I have provided on XX/XX/2017 and the account limitation has not been lifted. I feel this may be due to the fact that I reported them to you and to the IRS for another issue I had with them. Now they are using their Monopoly agreement with eBay, and some obscure rule they choose to apply to those they wish to be rid of to freeze my account and destroy my business. I have complied with their requests, and the refuse to remove the limitation. This extends to my secondary account for my website and the account for my eBay consignment. The website does not have a sale yet, and the company information is the same across both accounts.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Bank of America. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Bank of America and it was rejected as " ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Bank of America. On XXXX XXXX, we received a letter from Bank of America indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Bank of America proved to us clearly shows the Shipping Address as " UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Bank of American or their associates does not have the right to come up with " bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Bank of America recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Bank of America is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt as well.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Early Warning Services, LLC (NY)

I CALLED MANY MONTHS AGO TO HAVE A COPY OF MY CREDIT REPORT SENT TO MY HOUSE BECAUS I WAS DECLINED A BANK ACCOUNT DUE TO XXXX REPORTS. I WANTED TO SEE WHAT WAS ON THE REPORTS THAT HINDERED ME. I HAVE CALLED TO NO AVAIL MULITPLE TIMES AND STILL NO REPORT HAS MADE ITS WAY TO ME. NEXT STEP IS A LAWSUIT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. PLEASE HANDLETHIS PROMPTLY! MY NAME IS XXXX XXXX D0B XX/XX/XXXX AND THE LAST FOUR OF MY SOCIAL ARE XXXX. IF YOU HAVE ANY QUESTIONS PLEASE CALL ME T XXXX.
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

CFPB case number : XXXX XXXX, XXXX, XXXX, XXXX - XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. CFPB is not allowing me to dispute response from XXXX XXXX with Ocwen Loan Servicing, Consumer Account Analyst, Office of the Consumer Ombudsman letter dated XXXX XXXX, XXXX. Ocwen is using XXXX XXXX to blow smoke circles for them while they hide behind there computers covering up the facts and the truth again only to level attempts to cover up Ocwen continuous fraud against me and several other victims. Ocwen scums may think its going to work but as always it will always caches up with them. Ocwen Loan Servicing use Homeward Residential as a tool to use fraud upon the court, using forged fabricated documents and robo-witnesses to seek fraudulent judgment, then later the cool XXXX thought it would n't come back to bite them, boy it will bite like XXXX. Ocwen scums say they were not involved in the XXXX XXXX Bank vs XXXX XXXX case but they know XXXX well that was the secret tactic plan they used and thought they get away with it. I am glad Ocwen is responding to my consumer complaints with all lies. New evidence will bring you down. I will be filing a new XXXX lawsuit, If Ocwen is able to pull off another fast XXXX against using forged fabricated documents I will never stop until my matter reaches the XXXX court and be given my right to a fair jury trial. Recently, I found out who the individuals working for Ocwen who have committed so much fraud against me and my family. I know who you are and now its time to sue you. I 'm glad Ocwen was able to recently settle CFPB investigation into Ocwen 's servicing practices. ; ) I would like to have the right to dispute Ocwen Loan Servicing 's robo-worker responses. Please provide XXXX with your findings, they have not received a response from you. ; )
Consumer complaint received 2016-04-02
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: Westlake Services, LLC (NC)

An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account, but they refuse to comply with my request.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TRANSUNION FAIED TO REMOVE HARD INQUIRIES THAT I DIDN ; T WRITTEN AUTHORIZATION BEY ME. 
PLEASE REMOVE THE FOLLWING : XXXX XXXX DATED XXXX/XXXX/XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX DUPLICATE SOL EXPIRED
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

Applied for refinance with my current mortgage holder Chase Mortgage in XXXX, Texas. Locked in rate for 90 days in XX/XX/XXXX. I was notified the day the rate lock expired, XX/XX/XXXX, that the title company was unable to secure records showing a secure and clear lien on my home and that supposedly the title company could not provide an estimated time to secure these records so Chase Mortgage decided to let the rate expire. My wife within 2 hours of searching the internet found all the required documentation in the local county 's office website and on a federal website and she has no formal training or background on how to perform these type title searches so surely a title company and Chase should have been able to find it in 90 days. Additionally, there is provision in the law that allows the current lien holder, Chase Mortgage, to execute an affidavit to secure the lien which takes less than 30 days and Chase Mortgage chose not to perform this task as well thereby choosing to allow the loan rate to expire. Additionally, Chase Mortgage was the current holder or the lien and had secured a previous title policy securing the lien in XX/XX/XXXX so Chase knew the records existed and should have had clear record of this information since they were the current lien holder. Now, Chase mortgage is refusing to honor the original refinance rate, refusing to reimburse my earnest money, refusing to reimburse my appraisal fees, and not returning my calls or emails. I have secured all the proof that Chase and the Title company had access to this information but failed to secure it so they could let the rate expire and keep my at my current rate. I am requesting that Chase honor the existing refinance rate of XXXX and finish my refinance per the original contract agreement. My Chase contacts are XXXX | XXXX | NMLS ID XXXX | Mortgage Banking | Chase | XXXX, TX XXXX | Office : XXXX | Fax : XXXX | XXXX XXXX |XXXX | NMLS ID XXXX XXXX Mortgage Banking | Chase | Office : XXXX | XXXX
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank held a promotion to give away XXXX XXXX miles for opening up a CitiGold checking account in which i did as long as i met the requirements of 2 bill payments and to spend {$1000.00} within the 60 days from when the account is opened with the promotional code ( which was XXXX ). i met those requirements and even confirmed with Citibank to make sure i met those requirements and to see if i was missing anything else. I was told that i met all requirements and that i shall be receiving my promotional offer no longer than XXXX/XXXX/2016. i have messaged Citibank numerous times, and even opened up cases where results have said that i will be given the promotional offer within 10 days and so but still yet nothing! Also my checking account requires $ XXXX monthly fee which is outrages. They are not keeping their words and i had no choice but to contact you guys. I hope you can help me solve this problem and if possible return some of the monthly fees i was charged for having to wait almost 2 months now.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. 

Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/XX/XXXX.
Consumer complaint received 2017-02-10
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Frontline Asset Strategies, LLC (IN)

FRANTLINE AND XXXX ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' 11 COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
7 COUNTS OF F.C.R.A. 
16 COUNTS OF T.C.P.A. 
18 COUNTS OF F.D.C.P.A.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I opened an Auto Loan with Santanders XX/XX/XXXX. I became XXXX and wrecked my vehicle XX/XX/XXXX causing me to XXXX. I had an lawyer on my case as the cause of the accident was the other driver. I spoke to Santanders plenty of times to resolve the issue and they refused to do so. Now the amount that is on my credit shows as a charge off. This company would not assist with my needs and they need to remove the account off my all credit bureaus. This has affected me in so many ways. The vehicle was totaled out and my insurance did not pay. I loss my job due to me having to be on bed rest after this car wreck.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (SC)

The branch office filing lawsuits in magistrate court to collect on accounts that are 60 days past due. This is a breach of contract. I went to court on XX/XX/XXXX then 5 days letter I received a letter dated XX/XX/XXXX letting me know that my account had been transferred to the collection the department. Due to the fact that the branch office was claiming a payoff higher then my balance I have to appeal the judgement by the court. They are taking all customers to court to collect higher payoff then what is owed.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MN)

I contacted Equifax in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Equifax again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Equifax that their computers were down and to call back. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
Consumer complaint received 2023-09-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

I have a debt with Comenity Bank for a XXXX XXXX account related to prior dental work. I am currently past due with my payment and they call me repeatedly every day. Since XX/XX/XXXX, I've received the following calls from Comenity Bank 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 XXXX XXXX XXXX And the day isn't over.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (GA)

I was let out of a previous lease from XXXX and I was informed I would receive a bill after my deposit was deducted from the balance of the last month 's rent only if I owed. I was informed by the manager that I should NOT have much balance after deducting my security deposit. After not hearing back from the leasing manager, I called and was informed they were attempting to locate the paperwork from when I initially moved into the apartment complex since it was through a different company and they ( XXXX ) bought out the previous owners. The leasing manager confirmed my previous apt . # ( XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) and confirmed I was moved to XXXX XXXX XXXX XXXX after many of us was relocated different apartments due to fire. Months later I received a bill stating I owed {$780.00} with no deduction of my deposit. There was no damage to the apartment, no clean up fees attached no nothing but this balance for the last month 's rent. Later I wrote them online through their website and never received a reply. I also wrote the management company and never received a reply. I then later received a bill from a collection agency with a larger amount, when I called them they stated it was due to interest. I explained to them the inaccuracies and informed the collection company I should not have a balance, but it did n't matter to them.