davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

This law firm is a debt collector who has been filing lawsuits and collecting on taxes during this pandemic. They are using tactics that are unethical. I paid my bill in XXXX and have the right to work out a payment plan with the water district for current year taxes. They filed a lawsuit on my mother 's property taxes for over {$9000.00} dollars. 

Greed and desperate for money against people who have lost jobs in a down economy.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NV)

XXXX, XX/XX/2023... I received. text notification that an unauthorized person is using my personal data to open a Credit Karma account tonight!!! I Do NOT use Credit Karma!!!

I've made several attempts to contact Credit Karma just as they have specified on their website and information page to file a complaint. Well their email is incorrect, it bounces back to my email as undeliverable and does not take any inquiries or complaints to file. The email that I sent bounced back as not delivered and there isn't any other customer service number to call nor contact and no one to talk to speak with for me to shut this account down!!! Attach are my screenshots from their site of their unsafe business practices.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX Acct # XXXX Equifax inaccurate data XXXX as `` no data '' but also has reported date of XXXX How can the date be reported for this month yet be blank in the history? 

Equifax provides different company address than other reports. 

XXXX has inaccurate data for XXXX  and different than other reports. 

XXXX inaccurate data from XXXX present, no data and not reported at all. 

Company shows sold on XXXX butnot reflected by XXXX or Equifax.? Different addresses for company.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

This is the 3rd time this company used identity theft along with the same address that I stated last year that took my identity. This is not my address nor my account. I do not know why this isnt flagged and still asking for this amount to be paid when this is a fraudulent account and identity theft.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Student Aid (USA) Funds (GA)

XXXX has been non-compliant with removing the unverified accountUSA FUNDS which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that USA FUNDS was not established  by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: We Collect Inc (OR)

Dear Sirs! 

My previous landlord did not notify me in a written manner ( did not send a written notice ) about the collection moreover did not give me a possibility to dispute the debt. I got known about the collection while was applying for a new credit card. Collector " XXXX XXXX XXXX '' XXXX XXXX XXXX, XXXX, WA XXXX, the landlord " XXXX XXXX at XXXXXXXX XXXX ''. I did know that I can dispute the debt and require from them an additional information in order to validate the debt therefore paid in full. I scared that my credit score will go down and decided to make a payment ASAP. 

Appears that actually no matter if I have paid or unpaid collection nevertheless it hurts the credit history tremendously. After that I called a bunch of times and also send them both ( the collector and the landlord ) emails to remove a paid collection from my credit report and unfortunately any luck. 

The landlord gave me a notice to vacate to premises, I vacated the apartment unit moreover gave them a notice to vacate in a written form, same day the representative from the landlord inspected the premises. After that they did not inform me that created a collection debt for the lease termination. 

Looking fwd for your cooperation and help in the case In my opinion the landlord and collection agency did not give me a change and a possibility to validate the debt and prove my rightness.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Equifax has not provided this information. This give cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Equifax permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. These are my rights under the FCRA that Equifax has on their own website. I take my right to 100 % complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give equifax or anyone else my written permission. Under the FCRA it says " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company. '' My entire credit report is a complete mess. Inaccurate and incomplete information. This is improper credit reporting. I have names on my credit report that do not belong to me. That is very concerning.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX are being reported negatively on my credit file and should not be. These are fraud charges and accounts and have been notified of such multipole times now. 
these accounts do not belong to me.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing for the FINAL time about this right here because the law does not even require me to be trying to arbitrate with ANY of these credit bureaus! 

EXPERIAN is violating the law and me as a consumer! 
EXPERIAN is ILLEGALLY reporting my personal and private information! I want it deleted from my report immediately. 

Literally why are these companies still able to incorrectly report after millions of dollars in lawsuits and after years of me complaining to the CFPB as well????? 

I SHOULD BE TAKING THIS XXXX STRAIGHT TO FEDERAL COURT!! 

A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (IL)

Someone is calling from Convergent and is breathing heavily over the phone and even left a voicemail breathing over the phone. 

I ask to settle the debt when calling them back but, someone will call me again just breathing over the phone and it is scary and making me very uncomfortable.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I sent my letter off on XXXX XXXX I told the credit bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. Here is the tracking number XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OHara Holdings, LLP (NY)

Im enrolled in credit monitoring from XXXX XXXX, and I received a notification that there was a hard inquiry or hard pull on my credit report, but I did not apply for any sort of credit. Upon an investigation I looked at my XXXX XXXX report, and it showed that there was a hard inquiry from Check Plus Systems ( finance ) on XX/XX/28. I XXXX their number and I called them, but they were very fishy and shady and they wouldnt give me any information. From what I can deduce is that theres another person with my name in Texas and they wrongfully pulled my credit, even though I never lived in Texas, or gave them any consent. I never even heard of this company. Im very upset because I work really hard to keep my credit score close to XXXX or above XXXX. How do they even have all my information? Please help remove this inquiry from my credit and bring them to Justice. Thank you
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I had to file a dispute with Chase against a merchant who ran my card for almost XXXX. After I tried to contact the merchant repeatedly, I had to file with Chase due to no help from the merchant. Chase decided on XX/XX/XXXX to close my account. On XXXX 2 direct deposits went into the account. They released a small portion of my payroll funds, but have almost {$1000.00} still being witheld. I spoke with 2 department managers, recorded the calls and I was told I'd be able to go into the branch on XX/XX/XXXX to get the rest of the funds. I spent 3.5 hrs there and despite having recorded calls and the banker speaking with the department who put the restriction, they are still illegally with holding the funds. They cost me my job over this as I had to run to the branch on XX/XX/XXXX to see what was going on. They also lied to me for 3 days in a row when I asked if they were closing my account. They have yet to give me 1 valid reason that gives them the legal right to withhold the funds and it is killing me financially as well as the other person 's money they are illegally withholding. The other person isn't on the account and they have 0 legal rights to withhold their money either. I have many call recordings where I was told I can get the funds and I'm still being lied to and given the run around. Initially they stated they couldn't release due to the claim filed on XX/XX/XXXX but, they closed the claim. So the lies keep piling and I have tons of evidence from Chase that I am supposed to be able to get the funds.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

American Express offers an apply with confidence feature which allows you to check for pre qualification and getting an offer on various cards. You are told that you will not receive a hard pull on your credit unless you choose to accept the card. I never accepted a card from them but my XXXX score shows a hard pull and loss of credit score points.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I had a PayPal credit account in 2022 for around {$1800.00} or so. I went through significant hardship during divorce proceedings. They were harassing me very early on about late payments, much earlier than other credit companies. Before I could catch my breath to acknowledge the problem, they had already closed the account and sold the debt to an extremely aggressive debt collection company, XXXX XXXX. Considering Synchrony Bank is also behind Care Credit, these overly aggressive tactics seem scary for them to be behind a company that loans for health procedures.
Consumer complaint received 2024-02-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-11-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FlexShopper, Inc (FL)

I fell I'll from work for XXXX months and while payments lapsed in the bank incurred charges insured with addage of increased charge frequencies in amounts more than arranged while no one honored an agreement of {$37.00} only. However addage charges were {$17.00} in addition to the {$37.00} starting on XX/XX/2023 and after speaking with manager and other customer associates ignorance while continually in excess charging my bank account outside of agreement and exhorbant interest where the balance stays the same is continual is common.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IN)

I was vitctim to a robbery of my home. Among other things the theives took paychecks i had deposited and redeposited them. Chase bank then proceeding to lock my account leading to its closure that has kept me from paying bills and rent. Which has led to my eviction.
Consumer complaint received 2018-11-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (SC)

In XX/XX/XXXX my wife and I refinanced a mortgage on a condo in XXXX XXXX, SC through Quicken Loans. At the time the property values were soaring and we wanted to pull out cash and refinance. Quicken offered us a loan product that kept the monthly payment low but we were not fully informed of the consequences when after ten years the payment jumped over a thousand dollars a month. After XX/XX/XXXX the property value dropped over two hundred thousand dollars from the appraised value when we refinanced and the property value has been lower than the loan balance ever since. Since Quicken sold the loan to a private investor and not a fed agency, we could not do a HARP refinance. We have asked the loan servicer, XXXX XXXX XXXX for a loan modification, but they have not provided an offer. Over the last eleven years, I have paid over two hundred thousand dollars in interest and principal and the current loan balance is only a few thousand less that where we started. This loan was a scam and should have never been offered to borrowers that did not understand the effects of negative amortization loans.
Consumer complaint received 2024-03-24
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: Experian Information Solutions Inc. (NY)

In XX/XX/2023 I noticed, on my credit report, that an account was opened for a credit card at XXXX XXXX XXXX. I did not authorize this, nor do I have or have ever had any relationship with this institution. I immediately contacted XXXX XXXX XXXX  to alert them that this account was fraudulent. They did close the account but not before {$1000.00} was charged to the account by some fraudulent entity. They are now claiming that I'm somehow responsible for this amount and have added on {$330.00} in late and interest charges. I have tried to contact them multiple times, however, because the account has an email, phone number, and street address that doesn't match mine past or present they will not take further action to dismiss the account. They will also not tell me what the {$1000.00} charge was for despite verifying my identity. Upon pointing out that the information they have doesn't match because the information they have is fraudulent they disconnected the line!?!
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Flagstar holds a mortgage on our home. The property suffered damage as a result of a landslide, which our insurance carrier accepted our claim on. Our carrier made the payments to Flagstar, which were held in a restricted escrow account.

We are 99 % complete with the work yet Flagstar refuses to release the remaining monies, approximately {$23000.00}.

I have attached our latest correspondence that outlines the issue and explains why Flagstar should release the remaining escrow funds. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Allied Collection Services, Inc. (Nevada) (TX)

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under ALLIED COLLECTION SERVIC and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore, a 2nd validation letter was sent out on this day. After reviewing my credit report again on XX/XX/XXXX, the account is still reflecting on the report nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.