davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Our FHA mortgage was financed through PHH Mortgage Services for the year of XX/XX/XXXX - XX/XX/XXXX. They failed us terribly and have put us in a serious bind with our home and county tax office. They not only failed to pay the total amount of taxes owed originally around {$4800.00} now with an outstanding balance of around {$5400.00} with interest continuing to climb. The incorrect amount they can account for ( 2 payments totaling around {$1400.00} ) they paid it to the wrong account! I made them aware of their error back in XXXX after they sold our account and we attempted to refinance. During that process, the new company found the error, making us aware we were unable to refinance due to the mistake and negligence of PHH MORTGAGE SERVICES. After severe run around and no assistance, XXXX in the PHH escalations department assisted me in XXXX and confirmed with me the county lot number they made the incorrect payment was the incorrect account # by the very last number. He assured me that they would correct their wrong, took responsibility, sent it up to a superior, after all it was their mistake. We are now nearing the end of XXXX with no resolution! They have yet to make any changes. They have now decided to send an email stating there was no wrong doing and push the problem onto us and the new mortgage company. They claim the new mortgage company should roll the back taxes into our account. Why should that be the resolution? It's also not possible at this time. Keep your word and right your wrong. Make the necessary corrections. Pay what you owe to our taxes and cover all of the interest that has piled up as a result. We are fed up with the situation and want to move on. We simply want to refinance our home and we can't even do that because of this.
Consumer complaint received 2021-08-24
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. (FL)

My name is XXXX XXXX XXXX. I have a problem with Equifax, I have already sent two reports of identity theft, two letters from the FTC until I have sent them by fax, and every time I speak with a representative they tell me that the letters do not arrive
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX Bank NA # XXXX Balance {$430000.00} - Discharge in my Bankruptcy Equifax is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...
Consumer complaint received 2021-08-24
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. (NY)

I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX XXXX/XXXX XXXX inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

Sometime around the end of XXXX  of 2021, I received a notification that there was a Collection placed on my credit file. I received no communication from USCB by mail or phone notifying me of the alleged debt and my right to dispute until after I contacted the company. Only after I contacted the company via phone requesting a dunning letter, they sent one. I responded to the letter and they received it on XX/XX/2021, and have failed to provide me with the written information I requested within the timeframe of 30-45 days. It has now been 60 days and I have yet to get a response. I have sent them another letter asking them to delete the collection from my credit file because they were unable to verify the alleged account and have not responded to my request.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

CAPITAL ONE BANK has discriminated against me, the natural person / original creditor. Capital One has violated 15 U.S. Code 1691 ( a ) which states It shall be unlawful for any creditor to discriminate against any applicant because the applicant has in good faith exercised any right under this chapter. Any account opened previously in my name was a result of identity theft. I have sent my affidavit of Fact, and identity theft report
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX account # XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : High Credit : XXXX : {$25000.00} XXXX : {$25000.00} Equifax : {$0.00} Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Account Status : XXXX : Paid Profit Loss Equifax : Paid Charge Off XXXX : No status listed Payment Status : XXXX : As Agreed Equifax : Collection or Charge Off XXXX : Collection or Charge Off Late Payment Status : XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 2 Times Equifax : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 21 Times XXXX : No late payments listed These discrepancies indicate that the information being reported is inconsistent and inaccurate, violating my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information reported on consumer credit reports ( 15 U.S.C. 1681e ( b ) ). The inconsistencies in the high credit amount, last active dates, account statuses, payment statuses, and late payment history clearly violate this provision. Additionally, under 15 U.S.C. 1681c ( a ) ( 5 ), accounts that have been charged off or placed for collection must be reported accurately, which is not the case here.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account status as a collection or charge off, especially when XXXX lists the payment status as As Agreed, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistent reporting across the bureaus also raises concerns under 15 U.S.C. 1692f, which prohibits unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (CA)

Not sure where to start with this. I am having problems with Target XXXX XXXX. I have try paying my bill online and for some reason they have block me which I find very odd. Why? I did call them over this and ask them why they didnt call me they said they has a phone number with XXXX area code on file again which is odd I have never had a XXXX area code number I live in the XXXX and I have had the same number for many many years. Here the thing are about that Target has call me before so why now do they have different number and cant get a hold me? When I call they cant ever tell me why they have the wrong number or why they have a late payment for when their system was down and not working not my fault I couldnt make the payment. Everything about my account is wrong now all because of their system bein down and they are unwilling to help me or fix it.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX - XXXX - Opened XX/XX/XXXX - Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. Equifax confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. They were each updated on different dates. XXXX shows XX/XX/XXXX. XXXX XX/XX/XXXX. Equifax XX/XX/XXXX. XXXX and XXXX report the same last payment date as XX/XX/XXXX when Equifax shows XX/XX/XXXX. XXXX reports the worst payment date as 30-59 days when Equifax shows XXXX XXXX. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account. It also reports as a credit card, when it was in fact, a secured credit card.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (MD)

I informed company that name on account was not my information as I have no legal documentation with that name and that my spouse last name is on bill but I was not the one that opened account and that they need to fix this information and stop with the unnecessary phone calls as I am not responsible for this debt.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

This bank is crazy Im a victim of identity theft and never applied or had any accounts cards with them I recently got declined for my Marriott card because of account closure but I never applied for that account its not fair how they are very bad Customerr seevice
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

Southwest recovery services has been sending letters and emails claiming that I owe them {$7700.00}. I don't owe them a dime. I have sent them letters demanding that they validate the debt and they have failed to do so. They are continuing to report this false debt the credit agencies after I have asked them not to.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Received notice in the mail around XX/XX/2020 and received other notices after that on later dates, from Midland Credit Management XXXX Inc. A company I've never heard before and never did any type of business with, but they continued to send me threaten letters violating my rights as a Consumer in many ways and telling me I owe them {$1800.00} and how they were forwarding the account to an attorney for litigation if the account isn't resolved by XXXX. Again I don't even know of this company for them to even send me any kinds of mail from them, from the start threatening me into paying them for anything. I don't even know how they got my information. I responded by mail between XX/XX/2020 or XX/XX/2020 through Postal Service, asking them to Validate the debt they claim I owe them pursuant to law 15 USC 1692g ( b ) as a Consumer. On XX/XX/2020, I received a response follow-up from them acknowledging they received my dispute/validation request for the alleged debt. Along with another form that was blank on both sides, as a response. Midland Credit Management , Inc. failed to provide proof of Validation.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-24
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: NAVY FEDERAL CREDIT UNION (FL)

my card was missing approximately a month now in the month of XXXX I told navy federal this despite in hopes they would resolve the issue. I did not notice the transaction on the card and was shocked to find I had no access to my account so I contact navy federal in hopes to get this fixed. they did there investigation and I wrote a statement about the situation about it. I was still found liable I am disgusted by the service I received they were vague on how they determine this and even said someone called in with a voice that did not sound like my own. so how am I still liable for this when there is clear proof someone else was accessing my account. I am a war veteran is served in XXXX and I thought navy federal was a good bank FOR VETS BUT CLEARLY THAT IS NO THE CASE. the bank had the audacity to tell me to find a way for me to prove I didn't do it I was so disgusted by there statement telling me I had to appeal there decision and wait longer so my card can accrue more interest. I'm just so upset with this whole situation I have better service from regular banks. no to mention there security department is a 2 hour wait just to get in touch with someone.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted all three credit bureaus ( XXXX XXXX , & TransUnion ) several times ( XX/XX/21, XX/XX/21, XX/XX/21, & XX/XX/21 ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/21 & XX/XX/21 ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I opened a Chime account and had been banking with the bank with no issues. I had a deposit come into the bank around XX/XX/2021, that belonged to me, had my name and they closed my account without issuing my funds. I contacted the sender of the deposit and they informed me they had not received any money returned from Chime. I need help with getting my remaining balance sent to me by a check. Chime can not withhold confiscate anyone money that does not belong to them. Please assist me or direct me in anyway I can get my money back from the bank.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report again, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

The 3 Credit Bureaus are reporting inaccurate information on SOUTHWEST CREDIT SYSTEMS. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST correct or remove this immediately, I don't think this collection is 100 % accurate.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I have an account with PayPal since 2001 and it is in good standing. I made a purchase from XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX for {$99.00}. I used Paypal for the payment to protect me from fraud. When the item didn't arrive, I contacted the seller but their website and email was no longer working. I made a complaint with PayPal but my case was declined because the seller provided XXXX tracking information. I noted that the tracking information showed the weight of XXXX lbs when the weight of my purchase should have been more than XXXX lbs. I also learned that PayPal has been aware of this scam for several years. The scammer purchases a shipping label and then alters it with a different delivery address with the same town and state. I attempted to escalate my complaint and PayPal agent told me to obtain a delivery confirmation from XXXX. PayPal KNOWS that XXXX can not provide a confirmation of delivery address to me because I am not the shipper. My agreement is with PayPal, and PayPal must provide me with confirmation of the actual delivery address or refund my purchase. That is part of PayPal buyer 's protection.
Consumer complaint received 2021-08-24
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. (NV)

I previously disputed ( XX/XX/2021 ) the accuracy and proof to support the findings of the following items listed on my Experian credit report XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I was not provided with any explanation or supporting documentation as I requested. I asked that the listed accounts be removed since I was not provided any explanation or supporting documentation on why/how it was validated. Only that the information listed was verified and remained listed on my credit report.
Consumer complaint received 2021-08-24
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (WA)

This debt has been paid, however it was from 2008 and there is no way to provide proof as it is too old, I just received info on this last year which makes it 13 years old. How? How do you fight that?