davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I already reached out to the credit bureaus and to XXXX XXXX XXXX  and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately needed. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with Experian.
Consumer complaint received 2021-05-13
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX claims I owe, they called my son telling him how they will take his mother to jail. I did a debt consolidation and completed 2 years ago with all debts ever owed settled except for School and Mortgage. I disputed 5 or 6 times even sending proof that they are recirculating a 2016 account that was settled and closed but they keep saying not true.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

I received my home in a divorce in XX/XX/XXXX. I immediately notified the OCWEN mortgage company providing them a copy of my divorce decree. I also requested information on my mortgage even though my ex-husband was responsible for the mortgage. My name was not on the mortgage so they refused me any information. 

In XXXX, they filed suit against me and my ex-husband for foreclosure. They later dismissed the case without prejudice because they realized that my name was not on the loan. I contacted them again for information and was again refused stating I was not the account holder. 

In XXXX and XXXX, I filed for bankruptcy to save my home and obtain information to pay the mortgage. I requested a modification and was denied stating I needed written authorization from the account holder. 

After filing a complaint with the District of Columbia 's Department of Insurance , Securities and Banking, the PHH Consumer Account Analyst in the Office of the Consumer Ombudsman sent a letter dated XX/XX/XXXX stating, " Our records indicate that we have not received authorization from the accountholder to provide account specific information to Ms XXXX. Therefore, to protect the accountholder 's privacy, we are unable to release any information regarding the account. '' On XX/XX/XXXX, the Bankruptcy Court concluded that the best interest of creditors and the debtor is to dismiss the case so that the debtor may pursue remedies outside of bankruptcy and negotiations with her mortgagee. 

I made several Qualified Written Requests to OCWEN and XXXX/PHH mortgage companies from XXXX to XXXX. On XX/XX/XXXX, I finally received a letter from PHH stating I was confirmed as the Successor-in-Interest. Finally, I was able to finally receive a mortgage statement in XX/XX/XXXX after my initial request in XXXX. 

As a result of their failure to comply with CFPB Reg 12 CFR 1024.38 ( b ) ( 1 ) ( vi ), my mortgage is over $ 200K behind with penalties and legal fees. I have a foreclosure judgment. And the amount due to Reinstate in {$200000.00}. 

According to the CFPB Bulletin 2013-12 ( October 15, 2013 ), Servicers must let successors in the interest know what reasonable documents they need to provide for communication and assumption. They must also let successors in interest know what options are available. Lastly, services must develop policies for suspending foreclosure and processing assumption and loan modifications simultaneously. 

OCWEN and XXXX/PHH, both, failed to comply with the regulations for 7 years causing harm to the successor in interest and violating their rights.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne 360 savings accounts, previously INGdirect seem to take an inordinate amount of time processing transfers. For example, I executed a transfer for {$11000.00} before noon on Monday XX/XX/XXXX from XXXX XXXX XXXX and those funds will not be available until XX/XX/XXXX. XXXX XXXX XXXX account has meanwhile been fully debited ). 

10-15 years ago when online banking was a novel experience a transfer and funds available window of 3/4 days seemed to make sense given the technology and risks. In 2021, CapitalOne seems to be taking advantage of an opportunity to earn free interest on consumers money while we can not access it. There are many other money transfer services that give me access to funds post transfer in a 24-48h window. CapitalOne is TWICE that. 

This is a pass through account for me so while I wait for CapitalOne to give me access to my own funds, I will not be able to move this money in time to my checking account with XXXX when my tax bill is due on Monday XX/XX/XXXX. I would assume in this current environment I should be able to execute two transfers within a week.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On my Bank of America credit card, I was charged a {$23.00} late fee in XX/XX/2021 because auto pay was not set up. Auto pay was not set up because i use their mobile app and it is impossible to set up auto pay on the mobile app as they could not walk me through how to do it on the app. I then call to ask them to waive the fee because i have perfect payment history and explained to them i couldn't set up auto pay on the app. They refused to waive the fee. 

Bank of America is purposely making it difficult to enroll in auto pay so they can earn money from late fees.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (MD)

NCTUE : I spoke with. Representative over the phone because I was unable to verify my identity over the phone due to identity theft. I mailed everything I could in. I sent. Copy of my bank statement due to the fact that I do NOT have ANY utilities in my name and have not had any for quite some time. After a long wait. I received a mail response that they could NOT process my request. I need this report due to identity theft. Why am I being punished for someone using my identity?
Consumer complaint received 2021-05-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

21st mortgage is not accepting all the proper documentation for minor dependent XXXX. I am the XXXX parent the minors are both XXXX. The denial for the loan was based on the girls were already XXXX because they are XXXX  years and XXXX months. The federal Lending law and Social Security say the girls have to be XXXX and they get it until theyre XXXX or it will extend to XXXX if they are still in school full-time. They are also stating that The minor dependents are on XXXX. And I keep telling them theyre on XXXX but they do not understand the difference.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

XX/XX/year> XXXX {$20.00} TRANSFER TO AN UNKNOWN XXXX XXXX ACCOUNT XX/XX/year> XXXX {$20.00} TRANSFER TO AN UNKNOWN XXXX XXXX ACCOUNT SOMEONE HAS ATTACHED MY HUNTINGTON BANK ACCOUNT TO THEIR XXXX XXXX AND POSSIBLY CREATED A CLONE XXXX XXXX ACCOUNT WITH MY NAME.
Consumer complaint received 2021-05-12
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 (IN)

American Express won't refund a charge for {$410.00} made to XXXX for a phone that does not work in the United States because it was stolen. The serial number comes back stolen and as a result XXXX XXXX XXXX will not activate the cell phone and suspended my cellular telephone line. The purchase was made around XX/XX/2021 and disputed XX/XX/2021 dispute ID XXXX XXXX last 5 of card # XXXX XXXX. The dispute started as a conditional credit but the credit keeps getting reversed. I want the credit permanent.
Consumer complaint received 2021-05-13
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. (NY)

During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CHECK INTO CASH INC. (OH)

This showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX By Phone. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above loan by phone in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC (VA)

I recently received something in the mail saying that I owed XXXX for a XXXX XXXXXXXX credit that I never knew existed. My concern is not only the fact that this debt does not belong to me and is clearly fraudulent but the simple fact that the first form of communication received concerning its existence was in the form of a court order. This is not the appropriate way to handle a collections case in the state of Virginia. To further argue the validity of this debt, I must call attention to the fact that this debt is made out to a name that I have legally not used since XX/XX/2016. I lived in a shared living space during the time that the creditor alleges I incurred this debt which further questions it's legitimacy. Below, you will find a picture of my identification that outlines my legal name as proof. I demand valid proof that I, XXXX XXXX XXXX XXXX, approved the opening of this line of credit or it is removed from my credit report and no further collection action is taken. I'd like to call attention to the fact that this credit is only showing up as closed on 2 of my credit reports and both show a different close date.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

My bank, America First Credit Union is preventing me from receiving the PPP loan that I received from an outside vendor. My bank kicks the funds back without cause. My bank states that in order to receive my PPP loan that I have to have a business account in their system. The Small Business Administration approved my loan without me having a business account. My bank has overstepped. My bank does not have the authority to prevent me from receiving my PPP loan.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX ACC : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX ACC # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX  XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-13
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. (SC)

Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (FL)

I received a letter from XXXX XXXX XXXX about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector XXXX XXXX XXXX try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.
Consumer complaint received 2021-05-13
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: DISCOVER BANK (MI)

I applied for a discover balance transfer card a few weeks ago, and their system froze up during the application process and made me do it twice. I did not want to send {$5400.00} to my XXXX card. I only needed {$2700.00}. Yet, Discover charged me twice for the transfer and maxed out my Discover card. They refused to credit me after their phone rep said they would. I believe they are double charging people to get extra money in transfer fees.
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (CA)

After an email and text message from Experian notified me of a change to my credit score ( XX/XX/21 ), I reviewed it on their app. My score was lowered 38 points for reasons no one at Experian could explain. Nothing in my credit history has changed. After being transferred from one department to another ad nauseam, I initiated a complaint. There have been no updates, notifications or even acknowledgement of receipt of the complaint since the XX/XX/XXXX filing date. I checked the Experian App recently and discovered my credit score for XXXX had been lowered 21 points. Instead of wasting my time dealing with Experian again, I called XXXX directly and was informed that my score had not been lowered by them. Also that Experian uses a different formula or algorithm to determine credit scores. So there is one score listed for XXXX on the Experian site and another one that is higher on the XXXX site. To me, thats unbelievable. Especially since Experian had no explanation for the drop in my score and after sending me around in circles to get an explanation actually suggested I enlist the services of a credit counseling agency that could explain why the score they reported was reduced 38 points. So, I need to pay an outside agency to explain why Experian took this action! Preposterous to say the least. Do you oversee such shenanigans? 
Another issue Im raising is the fact, Experian bombards me with credit card offers presumably to increase my available credit limit. This seems like a conflict of interest to me. 
Its unfortunate I have to enlist your assistance to deal with an issue Experian originated but can not or will not explain. It smells of a certain arrogance by Experian since they are regarded as a leader in the industry. I sincerely believe this would be totally unacceptable from some other credit reporting agency not fortunate enough to share the status of Experian. 
Thank you for your time. 
XXXX XXXX