davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

Me and my husband signed a lease with the XXXX XXXX XXXX in XXXX, FL in XXXX XXXX. My husband, XXXX XXXX, was the only one to sign and re-new the lease in XXXX XXXX. In addition, he was the only one staying at the apartment at this time due to the fact we separated before he re-newed lease in XX/XX/2017. Now this company, XXXX XXXX XXXX has applied a collection of {$3100.00} or more on my credit account saying that owe them for past rent during the months that XXXX XXXX was the only person on the lease. This debt is not mines and I am not responsible and I told the collection company. They claim I re-signed the lease in XX/XX/2017 but that is a lie because I was already moved out and separated from XXXX XXXX before that time. I believe this company has committed fraud against me by forging a copy of my name on the lease for XXXX XXXX. My estranged husband, XXXX XXXX, has agreed to sign an affidavit admitting that my statement is true and he is the only person responsible for this debt.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.
Consumer complaint received 2019-06-25
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)

Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXX {$620.00} 4.  XXXX XXXX / XXXX 5. XXXX Department of EDU {$1100.00} {$2000.00}
Consumer complaint received 2019-06-25
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. (NV)

It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX HOSPITAL ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (NC)

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX this account inaccurately report by Equifax as charge off on XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX - account inaccurately report by Equifax as charge off from XXXX to XXXX of XXXX.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

In XX/XX/XXXX, I signed a mortgage agreement with XXXX XXXX XXXX XXXX XXXX for {$54000.00} for my home. Servicing was transferred to Saxon before the first payment was due, and some years later servicing was transferred again to Ocwen Loan Servicing, L.L.C. Since then, there have been two modifications to the original loan. After fourteen years, with  additional charges and fees rolled in, I now owe almost {$10000.00} more than the original loan. On XX/XX/XXXX I received a foreclosure summons from XXXX XXXX XXXX. Approximately one month prior, I received notification from Ocwen that the loan had again been transferred to another servicer ; but I have not had any contact with them at all.Even though I owe more than the original loan and the property is appraised at {$49000.00}, it is still my desire to keep my home. I'm XXXX years old, not in the best of health, but still working full-time. We're trying to find help, but have had no success so far. I just want to live out whatever time I have left in peace, but this whole thing has become a convoluted nightmare.
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (FL)

Contacted by 3 companies representing the same debt owed, for the same service. All three are reporting individually. 

Only 1 represents the correct provider of service. Provider was unwilling to work on payment arrangements when spoken to and turned over to collections. 

I only received 1 EMS service, copies of Ambulance Record and  Emergency Room Intake will follow. I was left in a XXXX  from this accident and released from the hospital in XX/XX/2017 to my relatives without EMS services.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MI)

XX/XX/2019 I sent a letter to XXXX asking them to investigate MOHELA. I asked XXXX  to get MOHELA to send the original contract of the loan with my signiture and XXXX  failed to provide me with that information. Instead XXXX  sent me dispute results saying item is updated with out any proof that an investigation was done.
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TENET HEALTHCARE CORPORATION (FL)

SYNDICATED OFFICE SY XXXX XXXX XXXX XXXX.XXXX # XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Violation of HIPPA ( This business is not a business associate listed with the state of Florida Dept. of State with XXXX XXXX XXXX. 

Business associate functions and activities include claims processing or administration ; data analysis, processing or administration ; utilization review ; quality assurance ; billing ; benefit management ; practice management ; and repricing. Business associate services are : legal ; actuarial ; accounting ; consulting ; data aggregation ; management ; administrative ; accreditation ; and financial. See the definition of business associate at 45 CFR 160.103. 1. I have no accounts with this company and the address and information related to this account does not match my personal information. Also, this company is not XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


2. This company has two different addresses of which the above address is not registered in Florida to do business as XXXX XXXX XXXX XXXX. Detail by Entity Name on The Florida Department of State ( XXXX ) as a Foreign Limited Liability Company. 

XXXX XXXX XXXX, XXXX Filing Information Document Number XXXX FEI/EIN Number XXXX Principal Address XXXX XXXX XXXX XXXX, TX  XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX, TX   XXXX Changed : XX/XX/XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX Authorized Person ( s ) Detail Name & Address Title Sole Manager XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. This debr does not match my address.
Consumer complaint received 2019-03-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX  today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2019 my wife purchased an item from XXXX XXXX XXXX. The purchase price was originally {$27.00} or {$28.00} USD. When the charge finally posted to our credit card, it was a charge for {$99.00} USD. She messaged the place that charged our card, and told them they were committing fraud, and we wanted to CANCEL the product, and be issued a refund. They said it could take up to 15 days. Seeing as how they have already committed fraudulent charges on our account, we weren't taking chances. So I notified Synchrony Bank our credit card issuer of the problem, disputed the charge as FRAUD. Lets fast forward to XX/XX/2019. Synchrony still has to reverse or remove the charges, has told us it will take up to 2 billing cycles to resolve the fraudulent charge, take 2 days to respond to any email, and now I can't see my messages on their website. I have had credit cards in the past, and never have I had such a hassle dealing with a company to get a fraudulent charge removed from my statement. Most places are like ok, sign the affidavit, and its done. I had a card opened and closed with a XXXX USD balance. That was fraud, and it took less than a month for it to be resolved. XXXX is a long ways from XXXX!
Consumer complaint received 2019-11-13
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: Resurgent Capital Services L.P. (NY)

I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (DC)

My sister XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas died on or about XX/XX/2019. I am the XXXX XXXX of her estate. 

She had had a telephone ( cell ) through XXXX XXXX. I had tried repeatedly by phone and in writing XXXX XX/XX/2019 XXXX to tell XXXX XXXX that she had died. I included a copy of her death certificate. I used the address of XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX response was to turn the matter over to a collection agency, Professional Credit Service of XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX. They are seeking {$150.00} from her date of death to XX/XX/2019.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (NH)

Complaint against JG Wentworth Mortage/Home Lending On XX/XX/19, I made a payment to my Mortage company that was significantly larger that the amount due. My expectation was that this would follow the normal process, and the excess would be applied to principal. Instead, JGW took the excess, and considered it a forward payment on XX/XX/XXXX. Upon seeing the mistake on their website, I contacted them, and was assured that the mistake would be corrected. It was not, and 4 more  contacts were made in XX/XX/XXXX, and in each instance, I was assured that the problem would be corrected. On XX/XX/19, I was told that their computer system was incapable of making this change, and that they could not correct the error. 

Although this may seem like a minor problem, please note that I made several principle payments in XX/XX/XXXX, and my monthly interest cost has dropped from {$1300.00} to {$900.00}, so XXXX is awarding themselves {$400.00} for their incompetence. 

Their customer service in this situation has also been horrible, they make promises to call me back with resolutions, and never do, and when I submitted an e-mail about the situation, they failed to provide a suitable response.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

****CASH APP IS A SERVICE DEVELOPED BY SQUARE INC.******** On XX/XX/XXXX, I submitted a payment as $ XXXX to XXXX XXXX under his CashApp name $ XX/XX/XXXX. A total of {$1500.00} was sent to $ XXXX for a mortgage payment. Within one hour, at XXXX XXXX, XXXX XXXX ( $ XXXX ) refunded the amount of {$1500.00} back to me ( $ XXXX ). A CashApp receipt was generated for the refund. The original transaction sent to XXXX XXXX shows as refunded with an 'Identifier ' of # XXXX. I am assuming this is CashApp 's version of a confirmation number. 

The original recipient of the funds sent an email to CashApp on XX/XX/XXXX when I informed him that the funds were not back in my CashApp profile or my bank account. I have emailed CashApp several times regarding this issue and I am still being told that the funds will be sent back to my debit card within 2-3 days. I received an email reply on XX/XX/XXXX indicating that I need to speak with my bank regarding this issue. I do not believe that this is a bank issue because the funds were completely removed from my account via CashApp. I talked with XXXX XXXX XXXX XXXX on XX/XX/XXXX to discuss the issue of the refund. I was informed by the teller that this is a CashApp issue and funds have to be placed back onto the card from which it came from. When this happens ... XXXX XXXX XXXX XXXX will show a pending deposit coming into my account. 

To this date..CashApp has taken no steps to send the {$1500.00} back to my account. Whenever I send an email to check on the status, I am getting replies from a different person each time with same response.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

XX/XX/XXXX I was notified that my escrow evaluation anticipated a shortfall of approx XXXX dollars ... .of course an increase was also applied to adjust for their anticipated shortfall ... and the allowed us to pay the short fall which we did ... and this would carry through until review again in XX/XX/XXXX ... .well I was just notified that I XX/XX/XXXX another assessment was done to " make it better for me, to get me in sync with my escrow payouts '' ... ..and yes as earlier this year another anticipated shortfall of approx. XXXX dollars as well as an increase to my mortgage for a 2nd time this year. When asked if this practice was legal ... .they answered " it's legal as long as we notify you '' ... .Mr. Cooper purchased my loan from XXXX and specified that " NOTHING WOULD CHANGE FROM THE ORIGINAL MORTGAGE AGREEMENT ... EXCEPT WHO AND WHERE THE PAYMENT WAS BEING SENT! '' That's a lie because this is the 3rd time they have changed an agreement signed between us and XXXX
Consumer complaint received 2019-11-12
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2023-08-24
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)

I have sent dispute letters ( dated XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) to investigate the validity of the account XXXX. They have all been delivered by certified mail. Experian has received my disputes for this account but continues to report inaccurate information ( credit report attached ) which is a violation of FCRA 623 ( a ) ( A ) ( B ) ( i ) ( ii ) AND have failed to mark the notice of dispute on my credit report after many chances to do so. This is a violation of FCRA Section 623 ( a ) ( 3 ) which is the duty of furnishers to provide notice of dispute. 

Tracking # XXXX ( XX/XX/2023 ) Experian received this on XX/XX/XXXX and sent me DISPUTE RESULTS for this account on XX/XX/2023 XXXX
Consumer complaint received 2019-05-21
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: JPMORGAN CHASE & CO. (NY)

I charged a British Airways flight on my British Airways Visa card, issued by Chase. I am a life time Gold member of British Airways and my credit limit with Chase is {$50000.00} - I am a very good customer of both companies. The BA agent made a mistake when taking my booking and immediately issued a refund of the full amount. She then re-charged my card the exact same amount for a correct booking. There was no dispute between me and the merchant about any of these facts. 


These 3 transactions all happened within five minutes of each other. The two charges were made so close together that they had exactly the same exchange rate to 9 decimal places of accuracy - XXXX ( see attached credit card receipt ). However, when I received my " full refund '' of the first charge it was {$47.00} less than I paid. I disputed this difference with Chase. 


For some reason the " Customer Service Specialist '' at Chase could not comprehend these 3 simple transactions and what had happened. He wrote to me twice ( see attached ) and called me once asking the same irrelevant questions and then denied my dispute without any explanation. If this was not so frustrating and time wasting, it would be comical. 


I think this reflects a bigger problem with Chase - lack of integrity. Chase consistently backs the merchant in any dispute, no matter the merits of the case. What evidence for this? In my own case, every time I have raised an issue about Chase Card Services with the CFPB it has been resolved in my favor.