davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (NE)

On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on Homebridge Financials online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

The reason i am behind on my mortgage is because I have tried twice unsuccessfully to get my loan modified because my interest rate was at 6 % which was and is high compared to current and 10 year rates. 

each time during the modification process I was advised on the phone by my assigned representative ( XXXX XXXX XXXX Not to make my Mortgage payment because I was in a Active Modification. 

The last time I was in the process of applying for a modification XXXX-XX/XX/XXXX9 I  continued to make my payments and forwarded all the requested documents to Mr XXXX. i did not hear back from him for a couple weeks.I decided to call and check with him. He replied he never received the documents my email showed that they did. 
i told him I would re send them. I waited a couple days after not hearing from him. 
I called him back spoke with him told him I was putting my check in the mail he replied no don't send it we have a sell date. 
i am under the impression that Selene Finanace is practicing bad Loan servicing Practices. whenever I try contacting them with an issue I am shuffled between 2 and 3 departments and none knows what the other is doing or has done and it becomes a shell game. 

I have been paying on this Loan for 10+ years and none of my money is going to principal which i consider to be predatory Loan Practices. 

I do not believe Mr XXXX ever presented my Loan To the investor
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (DE)

Cash App ( Square ) sent me a cash card ( Checking account debit card ) for which I never applied for. It appears that someone has stolen my identity as I was contacted by XXXX XXXX and advised that a fraud ring has my information and an account was attempted to be opened with them. 

Square sent this card to my home address with no other information ( no phone number, no email, and no address to respond to them ). I am concerned about fin techs that don't have proper controls or the ability to resolve a fraudulent account openings. 

I called square and they said that is a separate company not affiliated with Square. ( But  their name is on the bottom of the Cash app website ). They said I had to fill out a form on the cash app website ( https : //cash.app/help ). When I clicked on the contact support link the website page asked for my email or phone number which is impossible to provide since I didn't request this card ( and the identity thieves put their contact information not mine ). In order to fill out a form they require a phone number or email address to do so. This is frustrating since I didn't open the account and don't have the information the fraudsters used to open the account. 

Meanwhile the account remains open with my name, ssn, and dob and no avenue to  close or resolve the issue. Additionally the fraud will continue on the account without any ability for me to stop it!
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Santander Consumer USA Holdings Inc. (AR)

TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (WY)

I have a balance on my Credit Report from XXXX XXXX. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MA)

XX/XX/XXXX, I received a letter from Synchrony Bank stating that I opened a credit account with PayPal on XX/XX/XXXX and closed by me XX/XX/XXXX. I have never heard of PayPal prior to my opening an account with them in XXXX, which I am still using. I applied for their Master Card in XXXX and was denied, stating the above reasons. I maintain that I never heard of PayPal at that time, and these were not my actions. I have spoken to Synchrony Bank several times and it seems that they can not solve this problem. I received from XXXX XXXX on my computer, many names the same as mine and believe Synchrony Bank is mistaken in their findings.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Starting XX/XX/XXXX until XX/XX/XXXX citizens bank has been calling my cell phone on an automated dialing system after they are closed and leaving multiple messages. The first call will end and an immediate second call will be received. Both attempts leave a voicemail. I called the bank on XX/XX/XXXX and asked for a supervisor to discuss their dialer methods. I as at first asked why I would need one then finally transferred. At no point was I given mini Miranda or fully verified and account information was given to me twice. They said they would escalate and I would receive a call even though the multiple calls were the issue. Did not seem to know what cfpb or occ was.
Consumer complaint received 2020-01-07
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. (IL)

Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with experian and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and experian and XXXX XXXX XXXX. I have no judgements against me from anyone. 

The refuse to remove it.
Consumer complaint received 2020-01-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Allegiance Accounting Services, LLC (AL)

I have been harrassed and called repeatedly by Allegiance Accounting Services. I have been advised that i owe a debt from XX/XX/2014. I have asked who is the debt through and was advised of online company.I personally have spoke with someone from this company 3x on separate occasions. I was advised they show no sign of a debt or even an account on file for me owing any money. I have explained this to them, however they become more and more determined, rude, and assure me I owe. Request I pay ( three different amounts owed have been quoted to me ) I need to pay or I'll be garnished.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I paid in full, the medical debt that I owed to the collections company Transworld Systems Inc. After I paid in full, the collections agent proceeded to tell me that they " report regularly '' to the credit bureau . I then asked what reporting regularly meant and I was told " we can not give you any kind of time frame ''. I told them I simply wanted to know what their business practice is and if regularly, meant reporting on a monthly basis or every few months and they continued to respond with " we report regularly and we can not give you any kind of time frame ''. I was also told that even though I paid in full, they will not remove the collection from my record. I am lead to believe that as a consumer, if you try and settle your debt and even pay in full to a collections company you have no guarantee that the collections will be removed from my credit and no guarantee of when it will be reported that it is settled and in good standing. Is it legal for a collections business to collect money from me and then withhold information regarding when they will report my collections paid in full to the credit bureaus? This is extremely frustrating as I gave them my money and attempted to settle a MEDICAL debt so that I could attempt to improve my credit and qualify for an auto loan to purchase a vehicle. I was not told until after they collected the money that there is no guarantee of when they will report it to the credit bureau.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (DE)

This is my third complaint regarding XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter indicating that the medical debt they reported on my credit file would be deleted. A few days after, I received notification that it was removed. Today, XX/XX/XXXX, the trade line has been added back to my credit and caused a 40 point dip in my overall score. This trade line needs to be deleted immediately as it is affecting my ability to purchase my home. I've attached the letter for your review.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Received an email from Experian monitoring stating my credit utilization was 73 % and my next step was to open a new credit card to increase credit utilization and FICO score. Within minutes, I applied and was declined. Instantly I recieved another email fro. Experian informing my credit FICO dropped 3 points. I called and complained you XXXX dispute specialist, XXXX in marketing and XXXX membership supervisor. 
1. Email was predatory telling me my credit utilization on XX/XX/2020 is 73 % and my next step is to open another credit card. 
2. My actual utilization rate on XX/XX/2020 is 63 %. 
3. Experian batted me to apply for a new credit card and provided me with inaccurate information to use in my decision. 
I want the inquiry deleted.
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CT)

Hello Plaza Home Mortgage.In your letter dated XX/XX/2019 you gave to the CTPB untrue information.You never ever put my {$2000.00} deposit into an XXXX papers. 
So please send me a {$2000.00} check to my address or add to total loan, before i will take legal action against you. 
XXXX XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX says I opened some account XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$1300.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1300.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX C XX/XX/XXXX C XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no clue I have no personal loans I have no student loans.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (NC)

Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of XXXX is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I have expressed this US Code with the agents of chase bank and they both still denied overturning the decision. I also explained that a XXXX SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of XXXX there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My Equitable Rights should have NEVER be violated.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC (FL)

Omni Loans is reporting inaccurate information to all 3 credit bureaus. They have been unable to verify the debt and that it belongs to me. They even have sold the debt to another debt collection company. This debt does not belong to me and needs to be removed off my credit report.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

one main financial & XXXX XXXX dont match. photos attached one main -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX XXXX XXXX got collections XX/XX/XXXX why long wait from one main to XXXX? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CT)

After missing a connecting flight from XXXX, XXXX XXXX to go to XXXX, XXXX through XXXX XXXX XXXX. I had purchased two more tickets on XX/XX/2019 to leave on in the next day, XX/XX/2019 with my American Express Gold card at the XXXX XXXX XXXX counter. 

Both tickets were XXXX XXXX for each ticket, which was {$490.00} USD for each ticket. Which gave a total of {$980.00} USD. 

A month ( XXXX ) later I see an additional charge from XXXX XXXX XXXX for {$510.00} with the recorded date of XX/XX/2019 that totaled {$1000.00}. 

I was back in the US on XX/XX/2019 and my friend was in his home country, also on that date. 

Actions I took : -Notified XXXX XXXX XXXX via phone multiple times no response. 

-Informed American Express and they denied my dispute twice XXXX XXXX XXXX provided information on the original round trip tickets and the newly purchased one way tickets in responding to the American Express dispute XXXX But no info on the additional charges of {$1000.00}. I dont know the ticket number, who the tickets were assigned to, nor the destination. 

XXXX Called American Express and tried explaining to them again. No results. 

-Took then to small claims court in XXXX XXXX , NY on XX/XX/2019 and they didnt show up to court -New court date is XX/XX/2019
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

I was originally contacted about an alleged medical debt by First Point on XX/XX/19 at XXXX. I informed them that I had originally paid the original creditor about a month ago on XX/XX/19. They told me to submit a copy of the check to XXXX which I did and the original creditor debited my account in the amount of {$20.00}. I submitted this check under reference number XXXX. I informed First Point multiple times in both email and received calls to remove me from their list as the debt with the original creditor was already satisfied. They have continued to harass me with phone calls. I requested a status update via email on XX/XX/19 with no answer. Again on XX/XX/19 I emailed again stating that these phone calls need to stop and stated I would be reporting them if it continued. On XX/XX/19 I received another phone call from XXXX at First Point who had no clue what was going on, I also verified with her that the email I have been sending to was valid, so I sent another email saying the phone calls would need to stop immediately. Again on XX/XX/19 and XX/XX/19 I received more calls. Would you please let this company know that they need to stop contacting me about a debt that was already paid to the original creditor and fine them appropriately for the continuing harassment calls?
Consumer complaint received 2019-10-23
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. (MA)

I WOULD LIKE TO KNOW THE REASON WHY NOTHING HAS BEEN DONE BY ETHER AGENCY ABOUT THE XXXX 'S XXXX/XXXX ACCOUNTS WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT, STILL NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW WHAT'S GOING ON AND PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORTS BECAUSE IT IS REALLY GETTING IN THE WAY OF CERTAIN GOALS I WANT/NEED TO ACHIEVE. IF THIS ACCOUNT IS REMOVED IT WILL REALLY HELP OUT A LOT.