davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MO)

I requested a copy of my credit report through Equifax and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. 

I disputed the account with Equifax and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that Equifax, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
Consumer complaint received 2019-05-18
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. (CO)

XXXX/XXXX  Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an account with Bank of America and it was charged off last year ..... I filed bankruptcy and it was discharged on last year .... so internal revenue sent me a refund and it ended up in my closed account back in XX/XX/2023 ... .. Bank of America was sending me Bank statement about the funds so I reached out to them and I'm getting the run around about why they can't release my income tax that are sitting in a closed account ..... This account been closed since last year ... ... Can someone help me with this issue please ...... Thank you
Consumer complaint received 2019-05-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX and experian both continue to display an inadequate and fraudulent collection account on my credit report. XXXX hospital does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX XXXX active during the alleged incident the account can only be labeled as a billing error on XXXX hospitals end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a revolving account opened at XXXX XXXX opened XX/XX/XXXX, an account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a XXXX XXXX account XXXX XXXX XXXX, a account at XXXX XXXX opened on XX/XX/XXXX, and a XXXX XXXX account on XXXX XXXX. I also noticed the addresses and names on the account are also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries, soft inquiries and fraudulent collections appearing on my consumer XXXX credit report. The information given that are in question is listed as well as a copy of the consumer XXXX credit report maintained by you ( EQUIFAX ) which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you ( EQUIFAX ) were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-05-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

It is my understanding that during the process of working with your mortgage company to find an equitable solution to making monthly payments, my account should be on " inactive status '' and/or do not report missed payments. XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX the mortgage company XXXX reported missed payments. From XX/XX/XXXX through XX/XX/XXXX I was working with the mortgage company to find and equitable solution to assist in making my monthly payments. I was initially approved for forbearance program until they deemed me ineligible. I attempted several times to have my loan refinanced and/or modified but was unsuccessful. I was placed in foreclosure proceedings and attempted to have a HUD approved nonprofit organization ( The XXXX XXXX ) find solutions to keep me from foreclosure. During the foreclosure mediation, the mortgage company 's attorney, XXXX XXXX representative and I reached an agreement to have the outstanding balance paid by a HUD approved program. This never occurred because of non communication between mortgage company attorney and HUD XXXX XXXX. Because of this lack of communication, the mortgage continued to go unpaid and accrue more late fees and attorneys fees. I was eventually approved for a loan modification in XXXX of XXXX, the total ( {$26000.00} ) amount of missed principal, interest, late fees and attorneys fees were added to the back end of the mortgage, interest rate increased, terms extended back to 30 years which increased my monthly payment by {$240.00}. 

As a result of this entire experience my credit scores have been severely impacted coupled with the unnecessary stress during major life threatening medical treatments.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my report.
Consumer complaint received 2019-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma (TX)

I know nothing about the debt being charged against me, I only came to know about it when my credit score went down and I checked with credit karma to see what had affected my credit score. I  discovered a case of debt collection of $ XXXX.This is a fraudulent charge because I have never had any dealings with this company, nor have I ever heard of them. There has never been any communication, verbal, written or otherwise between any companyand myself.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

On XX/XX/2018 I contacted Equifax and submitted disputes online for the accounts listed as XXXX with the amounts of {$75.00} and {$190.00}. There is no information provided such as company name, contact information or that this is mine. I worked with a financial advisor and we could not find any company or contact information nor anything linking this to me. I was advise this is fraud. On XX/XX/XXXX I was notified by equifax that the information shown on my report was accurate but provided no information how to contact this company to either resolve or remove this if it is not mine. Currently, it is still on my account and I have resubmitted another dispute on XX/XX/XXXX to dispute this again as it is still fraudulently on my account.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We opened two Credit card accounts with Bank of America in XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX we took advantage of several promotional offers by initiating Balance Transfers totaling {$22000.00}. We used promotional checks to transfer monies to a higher interest rate XXXX Mastercard ( memo on checks clearly shows the intended use as " Balance Transfer '' ). The checks were part of promotional material sent to us by mail. The offer description clearly states that in order to qualify for the offer, a Balance Transfer or Direct Deposit must be completed by calling, online banking or by using the attached checks. In addition, the offers stated that after promotional offers expire, existing balances for Balance Transfers will go to a variable APR rate.

After each promotional offer expired, existing balances for each Balance Transfer were incorrectly moved to a Direct Deposit/Cash Advance category and higher interest rates corresponding to this category were charged until XX/XX/XXXX. 
The offer material did not state that Balance Transfers can not be made with attached checks. Only XXXX Transfers occurred and only Balance Transfer interest rates should have been charged.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was given a Closing Disclosure that showed {$3000.00} that I needed to pay to close. On XX/XX/XXXX, ONE day before closing, I got yet another Closing Disclosure that had increased to {$5500.00} leaving me less than 24 hours notice to sustain an increase that was almost DOUBLE! It's illegal as the amount should not increase any more than 10 %.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (PA)

I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was XXXX. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XX/XX/XXXX, whatever I owed was paid. In XX/XX/XXXX I consolidated all of my debt including the XXXX credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XX/XX/XXXX & XX/XX/XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.
Consumer complaint received 2019-05-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

My ex and I jointly leased a XXXX XXXX XXXX through Ally Financial. 
In XX/XX/XXXX, my ex and I split and he filed for bankruptcy - putting this account into the bankruptcy department. I never missed a payment and kept the truck until I turned it in to XXXX XXXX XXXX in XXXX, MI, at the end of XXXX, XXXX and leased a new truck ( solely ) through a new finance company. 

I have since received several letters on the truck I turned in stating my account was delinquent. I called and requested them to fix this every time I received a letter. 

Finally, in XXXX, they were able to confirm that the truck was turned in and that my account was closed. 
A few weeks later, I received a letter stating I had a 30 days late for XXXX on the truck that has been turned in since XXXX. 
I called Ally again and told them this was incorrect - they said I had to submit a letter in writing stating my complaint - which I have done and I haven't heard anything. 

Through this insanity, my credit has suffered and I have spend way too much time trying to fix a problem that I didn't create. I am outraged at the way this has been handled and that me, the consumer, is the only one who suffers. I pay my bills on time, every time and it is ridiculous what I have had to go through to protect my score.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.
Consumer complaint received 2019-05-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (MS)

In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.
Consumer complaint received 2019-05-18
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. (CA)

On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX {$120000.00}
Consumer complaint received 2019-05-18
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: Experian Information Solutions Inc. (MO)

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) U.S Dept of ED Direct XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

JP Morgan Chase is committing theft. They took {$80.00} from me in the form of unauthorized duplicate payments and XXXX money transfers and refuse to refund me. They told me I " might '' get my money back but no guarantee. I spoke to 7 people and all of them told me the same thing, then they refused to give me any kind of documentation or report about this claim. They are thieves and incredibly corrupt. I am pulling all of my money out of Chase and closing my account permanently but have to wait 10 days until they " decide '' whether or not I deserve my money back that THEY stole from me. 
Then, when my friend tried to send me money, they told me they are withholding my transfer. Chase refused to look into it and said HE has to call, even though the money left his account and his representatives ( also at Chase ) said I have to call. So we are just going round and round with no resolution. One of the " supervisors '' even hungup on me.
Consumer complaint received 2023-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX payment not applied properly. Requested explanation from XX/XX/XXXX to XX/XX/XXXX on payment amount due/ why was it asking for so little ( not enough to cover principal & interest ) we sent regular payment ( couldnt get an answer ) statement XX/XX/XXXX payment amount due stated almost double regular amount. Escrow analysis are incomplete they say surplus and payment amount rises and no refund issued. Shortages payments lower. Notations on the documents state DONT SEND TO BORROWER PER LENDER. Payments are being held and processed late. Checks have been altered : initialed with date upon receiving, requested bank not to release funds for 10 days after receiving, different amount posts and different check number appears on check. The bank depositing the funds is not who the checks are made out to. Monthly periodic statements are not typical 22 to 30 bill cycles. Some go for 45 to 90 day transaction cycles. Some periodic statements never generate and payment sent is unaccounted for. Twice weve received multiple statements with different transactions activity listed all due for same day. Received no explanation as to why we dont receive our annual tax and interest statements. Important information related to the loan disappears and letters are sent to us about requests to update information ( we never requested ). This mortgage company DOESNT service your loan, communicate with you. They commit fraud and now file a default without any explanation, no past due payment on statements, no phone calls, absolutely nothing!!!!!
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/2013 Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA  ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX , XXXX ) .They misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address was ( XXXX, XXXX ). 

Midland Funding LLC as Assignee of XXXX XXXX XXXX ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the XXXX XXXX collection is a 20 year old collection account ) .The mere fact that the debt with XXXX  XXXX XXXX ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception and by fraudulent means. All monies Midland Funding is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places Midland Funding and XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-05-18
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. (OH)

i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX  XXXX, XXXX XXXX, XXXX SMALL BUSINESS? I AM NOT SURE IF IT WAS ANOTHER XXXX   XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.