davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account numberXXXX Account name : XXXX XXXX  Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-28
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: WELLS FARGO & COMPANY (CT)

In mid XXXX an unknown individual used my credit card to make purchases. Wells Fargo flagged my account for unusual activity and sent me a text. I called them immediately and reviewed with them which transactions were fraudulent. When I received my XXXX statement, I paid in full for all legitimate transactions totalling {$910.00} ; the fraudulent charges totalled {$840.00} for which I did not submit payement. When I received my XXXX statement, additional fraudulent transactions appeared totalling {$910.00}, for a grand total of fraud charges {$1700.00}. There were several written communication from Wells Fargo advising me they were researching the fraud. As advised in their communications, I called their Credit Card Fraud Claims department approximately 12 times to review the fraudulent charges and the legitimate charges. My account of the legitimate charges never deviated. I paid for those charges in full on XX/XX/2020 with my check # XXXX. I repeatedly acknowledged and claimed full responsibility for the 11 legitimate transactions on my XX/XX/2020 statement for which I paid in full. Wells Fargo, for reasons unknown, reported to the merchants that my account and me personally as having perpetrated a fraud. As a result, I am unable to shop online at those stores. I want to be able to shop at these stores once again. I did nothing wrong and paid for all of my legitimate transactions. Please help me.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc. (TX)

Nationwide Credit & Co. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX phone : XXXX is calling and sending letters about an outstanding debt of {$2100.00}. I have informed them that this is not my account and I do not owe this debt. They reported it as a collection to XXXX, I disputed it, and XXXX  's investigation did not remove the debt. I have never had an existing account with Nationwide Credit & Co. and this is not my account.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

On XX/XX/XXXX Ability Recovery Services , LLC opened an account in the amount of {$1800.00}. This was a collections account for educational services. On XX/XX/XXXX Ability Recovery Services closed the first account and opened a second account for the same educational provider. This new account was in the amount of {$1900.00}. On XX/XX/XXXX the second account was closed and a third account was opened by Ability Recovery Services LLC for the same educational provider. The new amount was for {$2000.00}. This is a blatant attempt to re-age the debt. As seen in the attached images, each time the new account is opened the original amount of the debt is also changed, which is incorrect.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (CA)

I noticed a Hard Inquiry for a Business Loan on my Experian credit report that I did not recognize : XXXX XXXX XXXX XXXX XXXX The address for the organization is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I called the number referenced on the Inquiry and it was disconnected. 
I checked online and there appear to be other people that have had the same thing happen : https : XXXX I have not applied for any Federal assistance or any kind of loan. 
The date of the inquiry was XX/XX/2020 2020
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2018 with a balance of {$9100.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

I do not dispute the account reported on my credit report from Chase Bank ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and Chase Bank asking that the comment that I dispute the account information be removed. 

Chase Bank provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and XXXX  is pending. Based on Chase 's inadequate response and the likely response of the reporting agency to ask Chase for information, a complaint to the CFPB seems necessary to resolve this issue.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (IL)

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
Consumer complaint received 2021-09-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

We received back information from CFPB today and the PHH mortgage attorney XXXX XXXX. Closed case # XXXX. Mr XXXX to be blunt is completely inaccurate in his response. 
XXXX sent us a letter of transferring our service to Ocwen dated XX/XX/XXXX. 
There is no wording on the letter about modification in XXXX as we did not apply for modification with XXXX in XXXX we applied with Ocwen who has lost the file. 
Funny Ocwen has a track record of losing files. We were not denied a modification in XXXX it was XXXX. Why would we be contacting XXXX  XXXX  looking for the original copy of the XXXX as this is what Ms XXXX and Mr XXXX said for us to produce. Please review the recordings of the phone calls I had with them.We would appreciate the attorney representing PHH Ocwen to be fair and honest. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-09-01
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: BARCLAYS BANK DELAWARE (FL)

This is related to four tickets I purchased on my Barclay Card on XX/XX/XXXX to XXXX via XXXX - Merchant Name -- XXXX XXXX. Round trip flights from XXXX to XXXX for XX/XX/XXXX, supposed to return on XX/XX/XXXX. The flights were cancelled due to the pandemic. When I asked for a refund, XXXX told me the airline asked for 6 months. I understood and waited. I communicated with XXXX several times after and they responded that XXXX XXXX refund department would be refunding me my money. 

On XX/XX/XXXX I wrote to my credit card company to file a dispute explaining I was yet to receive a refund for four charges : 3 for {$600.00} and 1 for {$560.00} - a total of {$2300.00} Right after I sent the letter, Barclaycard opened up a dispute and credited my account. 

Fast forward to XXXX of XXXX, Barclaycard clawed back the refund and when I inquired as to why - the customer service rep said that the airlines said there was no fraud! Evidently there was no fraud and I never mentioned fraud - the services I paid for were not provided and I was asking for my money back. I had to explain to customer service the story again and they told me to send a second letter which was sent on XX/XX/XXXX. I have called upteen times to no avail. 

I checked my Barclaycard site this week and low and behold I had FOUR NEW CHARGES from XXXX XXXX. I called in and advised that THOSE were indeed fraudulent- I had not purchased those flights and they say they are going to investigate this and send me a new card. 

I also inquired about the original case where the airline cancelled my flight and they had credited and then taken back the money - case # XXXX ( not sure if the O is an O or the number zero ) - and the customer service rep told me that the case was closed!!! No one has reached out to me. When I told her how could this be, she told me I had to write another letter!!! I asked her to please escalate, that this was unacceptable, that I wanted to discuss this with someone in Corporate and she told me all she could do was escalate to a Manager. 

Please help me. All I want is my money back, and credit me back all the interest they have charged me and then I want to cancel this credit card as it is the WORST in Customer Service. I have called over 15 times, explained over and over to no avail. 

attached you will see screenshots of the communications with XXXX and the letters sent to BarclayCard. Barclay Card ending in XXXX Barclay Card Dispute = XXXX XXXX  XXXX, XXXX, Delaware XXXX Phone number - XXXX
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus XXXX XXXX, TRANS UNION a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

Dear Madam or Sir, A fraudulent collection report was posted to my Credit Report Bureau on XX/XX/2021, on behave of XXXX  company for a charge of the amount of {$59.00}. 

I did not sign up for any services with XXXX  in 2021, and I've never received any communication regarding that charge. In addition, the collection report has an incorrect address. 

The company that reported the collection report is CREDIT MANAGEMENT - XXXX XXXX I have submitted dispute reports with the collection company and the Credit Bureau to remove the collection note from my credit report. 

Thank you so much.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

This is related to a rental property located at XXXX XXXX XXXX, XXXX TX XXXX. The Money Source phone no. ( XXXX ) XXXX funded the loan ( XXXX ) and they escrow for insurance and property taxes. 

Back in XX/XX/XXXX, I got notice from XXXX XXXX XXXX where the property is located that taxes were due on XX/XX/XXXX for the amount of {$2900.00}. I called the Money Source and they told me to disregard the notice because they make payments automatically. 

On XX/XX/XXXX I got a notice in the mail from XXXX XXXX XXXX advising of delinquent taxes, a penalty and a potential lien to my property. I called the Money Source and gave the parcel number and they assured me not to worry, the payment will be made. I checked with XXXX XXXX XXXX on XX/XX/XXXX and no payment was posted. I panicked and paid the taxes and a penalty of {$260.00}. I paid a total of {$3200.00}. 

The Money Source website reads as if they made a payment for the base amount on XX/XX/XXXX. I called XXXX XXXX XXXX and they said they had rejected a payment that came after mine even though XXXX XXXX reads they paid on XX/XX/XXXX. 

I called the Money Source on 7 different occasions. XXXX, XX/XX/XXXX. On XX/XX/XXXX spoke to XXXX who said she can read a note from XXXX XXXX saying that on XX/XX/XXXX the county rejected the payment but the funds have yet to be posted to my escrow account. Every time I contact The Money Source the story is a bit different. They keep asking me to continue checking periodically. 

Called again on XX/XX/XXXX and XXXX said that there is not any activity on my account but that most likely they were not going to refund me the penalty I paid. It was my fault for making the payment. Called again today on XX/XX/XXXX and XXXX says that these issues can take 90 days to be resolved and that they are waiting for XXXX XXXX XXXX to return the funds. However, when I spoke to XXXX XXXX they said they didn't take any funds, they rejected the transaction. XXXX says that they have escalated my case but I still haven't seen any refund from XXXX XXXX. 

Please help me to get the {$3200.00} I paid. I feel I'm getting a runaround and that there is no accountability from these folks for their faulty system and the customer is be being penalized for 1. their failure to pay the escrowed taxes on time, 2. Not issuing me a refund the moment I called giving them proof of payment, 3. Not providing me a number where I can log a complaint with a person  who has authority to resolve my case.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (PA)

On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. This is also an alledged medical debt. By furnishing my consumer report with this, RS CLARK AND ASSOCIATE is violating HIPPA laws as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OR)

Citi closed my account due to 3 clerical errors I made that happened when I was trying to pay more than. what was required. 

Then, they confiscated half my rewards $ $ as well. This was a percentage of charges I was promised if I used the card. Do not see how they can justify taking away this amount that I had already earned.
Consumer complaint received 2021-09-01
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. (GA)

I am a victim of identity theft. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX  XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CT)

Good Evening On XX/XX/2020 during the height of this pandemic, we are both on the front lines in XXXX XXXX, my wife accidentally electronically paid our mortgage payment to Amerihome company ( Old company ) in the amount of {$1800.00}. This Loan no longer exists with Amerihome and was sold to a new company over a year ago. This was paid through the Bill pay  Service from XXXX XXXX XXXX. 

I Have contacted your company ( AMERIHOME ) Several times and was initially told that I would be receiving a physical check in the amount of {$1800.00}. I was told that I would be receiving this check within 7 to 14 days. That time has since gone and I have not received anything. I then contacted customer service again and was told they had no record of that and I was asked to submit proof of payment for my bank. This was after I was already told that I would be receiving a check that they already found the payment. I Was told again that they had no record of that check and that they wanted me to send proof of payment. Which I sent Amerihome the proof payment was made.

After hours on the phone Amerihome stated they sent a check to XXXX ( a company they claim that the check originated from ). I have spoken to XXXX XXXX customer service several time and they have stated that they have no business dealing with XXXX. I have contacted XXXX which states they do not deal woth XXXX  XXXX. XXXX XXXX stated I should call Amerihome and have them refund the {$1800.00} by a different means. 

I went back to Amerihome and they stated they could only refund to where the origional payment came from ( XXXX ) and they will refund the account. XXXX  XXXX states this is not the case and that they cant reverse the payment back into my account and still denies dealing with XXXX. 

This has been an ongoing circle for the past 2 months. I have been hung up on by bith companied XXXX XXXX and Amerihome. XXXX XXXX when I asked for a manager the CS representative stated to me " there is no manager higher than me '' When I asked for a name and a title she said it was XXXX and her tinal was " basically a supervisor '' I have involved the CT Dept. iof Banking and copied them on every email sent and received but have heard nothing. I do not know what else to do. No one at either company can or is willing to help. All I want is a refund of the money that is due to me for the payment made in error to an account that no longer exists. 

I have all the emails and correspondence as well as proof of payment from XXXX XXXX. I would like Amerihome to send me a physical check for the payment amount of {$1800.00}. 

Thank you
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

I was in line filling out my information with the front desk, I said I didn't need them any longer and walked out. They still billed me $ XXXX by mail and I didn't pay because it was fraud. I have been in collections for 2+ years now because of this situation. These guys are fraudsters. 

Opened : XX/XX/2019 ( 1 yr, 11 mos ) Account status : Open -- Amount Attempting to Collect : {$1000.00} Original creditor : XXXX XXXX XXXX -- Creditor Information AARGON AGENCY INC ( XXXX ) XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, WI XXXX has been sending me collection notices in the amount of {$620.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.