davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX  XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Morning, My name is XXXX XXXX XXXX, I was checking my credit report and I realize there is an error with my address, please update my correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: CAROLINA FINANCE, LLC (SC)

The amounts are still fraudulent with no explanation? There is no explanation for fraudulent charges. I have video of day car was repossessed and charges and payments are fraudulent in account as well including last payment. Account was still charging fraudulent charges. There needs to be full investigation on overall account. I will be be pursuing further if no actions are taken.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 XXXX reported to TransUnion that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!
Consumer complaint received 2023-05-08
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: Advance America, Cash Advance Centers, Inc. (FL)

Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is Advance America. The current creditor is XXXX XXXX XXXX Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NM)

This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Santander reported to XXXX  that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was trying to buy something from the company called XXXX, but they ask me to use XXXX to send money to different people. And I did't get my product.I called Chase to tried to get money back, but Chase won't. 
The details are : XXXX XXXX XXXX XXXX  : {$550.00}, XXXX : {$370.00}, XXXX : {$1000.00} XXXX XXXX : XXXX : {$180.00} XXXX XXXX : XXXX : {$590.00}, XXXX : {$290.00}, XXXX : {$970.00} XXXX XXXX : XXXX  : {$530.00}
Consumer complaint received 2023-05-08
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: BTH Management (FL)

Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is XXXX XXXX. The current creditor is Plaza Services LLC Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

My venmo account was frozen for no known reason. I have all my money in there and account unaccesible. I need food and gas, money unaccesible. 
Sent emails and called no help
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Recovery Services, Inc. (AL)

I am repeatedly receiving mail from various companies such as this one for a person who no longer lives at this address. I have sent back mail as return to sender no longer at address but still receiving mail for this person. I would like this to stop and please contact this person at their address and not this one as this person no longer lives here and has not for some time now. 
Address sent to is XXXX XXXX XXXX XXXX, XXXX Al XXXX, for a XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

On XX/XX/XXXX I was checking my Consumer Credit Profile and I noticed a collection file placed on my XXXX Consumer Credit Profile I didnt recognized. I contacted Credit Collection Services XXXX to speak to them regarding the information on my Consumer Credit Profile to seek an Validation letter of the debt. The collection agency is unable to provide me the original contract with the wet ink signature. I was informed that this debt was purchased from the original creditor XXXX XXXX XXXX XXXX I was never notified by XXXX XXXX XXXXXXXX XXXX XXXX Credit Collection Services written disclosure regarding this matter. The XXXX XXXX XXXX XXXX XXXX XXXX, or simply XXXX XXXX, is a licensed insurance agency that is a subsidiary of XXXX XXXX XXXX the name was changed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and in XXXX. According to XXXX XXXX XXXX XXXX ( XXXX ), protects the confidentiality of Nonpublic personal information that you provide to us or we collect. Any nonpublic personal information we have about you or listed drivers is confidential information and kept private. It may include motor vehicle records, driving records, accident reports, claims history reports, insurance records, and consumer reports that may include credit information. Upon your written request to us, we will provide you with a copy of this information. I never received any information in writing stating that a third party or debt collection agency would have access to information on my Credit Consumer Profile. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2018-09-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I had a joint account for a mortgage loan that was included in my previously discharged Chapter XXXX. The loan was sold to a different company thats trying to illegally Re-report the same discharged debt. Ive repeatedly reported to Equifax that this account should be removed from my file. They would take it off then it would reappear months later. The company is XXXX XXXX XXXX. This company is willfully violating the Fair Credit Reporting Act. Equifax is allowing them to do so by not removing this completely from my file. XXXX and XXXX   already removed from their file.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (MN)

I have asked XXXX times since XXXX for a repayment plan to get caught up with past due balance. Each time they say it is denied, found out today that they have only submitted modification requests. I asked from the beginning for a repayment plan that started a year ago. In XXXX the returned my payment. They are saying they can't help me. I have asked for the outstanding balance to be placed at the end of my loan, again denied, I have asked if there was any funding available to me, they say no. I feel they are stringing me alone until they put me in foreclosure. The is PHH mortgage
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX, XXXX, I XXXX XXXX XXXX Trustee, for The XXXX XXXX XXXX XXXX minority woman and mother of our XXXX XXXX, was forced to filed Bankruptcy XXXX, due to Fay Servicing , LLC and their Investor ; XXXX XXXX XXXX XXXX XXXX XXXX loan XXXX ) of my deceased mother, XXXX XXXX XXXX XXXX XXXX XXXX. I filed XXXX as an XXXX  XXXX to stop the Wrongful Foreclosure, Trustee Sale of our home. Fay Servicing and their Trustee ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Auctioned our Home later that day, XX/XX/XXXX, XXXX, despite of my Automatic Stay Bankruptcy Proceedings filing on XX/XX/2024 before Auctioneer Auctioned our home. 

Fay Servicing and all of their assignee 's mentioned have all, Violated our Civil Rights, Violated my Automatic Stay Bankruptcy XXXX Proceedings, have Discriminated our entire minority XXXX Family and Violations of all of Federal and State Laws here in our state of XXXX 

Enclosed, you will find supporting New Evidence to support my complaint against Fay Servicing. After 40 days and 40 nights of harm from XX/XX/2024 to XX/XX/XXXX, XXXX, we the XXXX XXXX received an written notice from the winning bidder and their Attorney of our home. XXXX XXXX XXXX agent/owner of XXXX XXXX XXXX XXXX XXXX stating their the new owners as of XX/XX/2024 when Fay Servicing and all of their assignee 's Unlawful, Deceitful, Auctioned our home and failed to disclosed all material facts and evidence of my XXXX filing when they were all in notice and knowledge of my XXXX filing and Proceedings. XX/XX/2024 our home was { RESCINDED-REVERSED } back Legally to our XXXX Family when, Fay Servicing and their assignee 's mentioned where all aware of their Violations per our complaints to all Federal & State Agencies . 

Deception, misrepresentation, unfair business practice BY ; Fay Servicing and all of their assignee 's.
Consumer complaint received 2018-09-02
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: Perfection Collection (NY)

The credit reporting company refuses to investigate a fraudulent charge made with my information. I contacted the creditor directly and they had no record or proof that I requested the information, instead they tried to get my personal banking and answers to secret questions usually used when establishing credit. The fraudulent creditor is perfection collection
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 at XXXX XXXX, I tried to get {$400.00} from my checking account via drive thru ATM outside of citi bank located on XXXX XXXX XXXX XXXX CA XXXX. I requested the transaction and the ATM did not dispense the money. I called the bank the same day while I was still at the location. I did not move I was inside my vehicle while I spoke to the customer service representative. I spoke to citi customer service for about XXXX minutes and explain the case to them. During this time the ATM did not dispensed the money. I was clear in telling them that I was right in front of the ATM and the {$400.00} were not given to me by ATM. I was told to move to continue the call I did so. I was not give Any reassuring answer nor a dispute number. I tried calling again the same day and I was told there was nothing for me to do but wait. I explained the situation again and I was given a claim number the second time I called. I was told I may get a credit after XXXX to 15 days. 

I received a call from the branch manager from Citi bank and I was told by her that the case was closed and she checked online and it said that they were not going to do anything about it. I was told by the branch manager to call again and re open the case to emphasize to the customer service that the software from those machine had just been updated. I was given case number XXXX. I was told to wait again. So far I had not received an answer from the bank. I have been calling and the only people answering my questions are the people from the branch. The team on the phone customer service had not provided any information. Up to date I have not received the money back and the bank on the phone lines is unresponsive
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems have placed a collection on my credit report for a payday loan I have never applied or received. I have made many attempts to contact the company, but all I can never get a person on the phone. I have disputed this account with the credit bureaus, requesting validation of the debt and that too goes nowhere. The bureaus say that the account is mine, but I have yet to receive validation of this account. Never have I had a payday loan with XXXX or any other company. This account is not mine and Midwest Recovery Systems can not validate this account as being mine. They wont remove this from my credit. This account is fraudulent and the company appears to be fraudulent as well.
Consumer complaint received 2024-05-06
Product: Credit 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: CITIBANK, N.A. (FL)

Citi bank with out my authorization enrolled my account in XXXX credit card protection program. Once I realized this I terminated the program and requested a refund for the total amount charged to my account based on the 2015 settlement Citi was ordered to pay. Citi bank only refunded me for XXXX month. I have filed a claim with the better business bureau and have heard nothing from Citi and still have not been refunded for the monthly charges that Citi charged to my account.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (GA)

System prompted me to pay XXXX, I made the payment. The amount was withdrawn from my bank account and I thought it would be applied to late payments but later on in the week I get a call saying that my home was in active foreclosure. I call the company to find out why, I made the payment requested and they told me that the amount the system gave me was not up to date it should have been more. Therefore now I have to pay an additional XXXX to avoid foreclosure. 

I don't think this is far because I don't know how I would have known the amount should have adjusted on the XXXX. I paid the amount that they prompted me to pay.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. Capital One has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called Capital One and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. Capital One is now saying I'm not the account holder. I will next file a complaint for fraud against Capital One.