davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (RI)

The complaint in question is against Midland Credit Management, a third-party debt collector ( hereinafter referred to as MCM ). 
MCM purchased a debt from XXXX XXXX which they are attempting to collect ( {$1300.00} ). MCM has violated several FDCPA rules. 
The rules violated are as follows : calling my spouse repeatedly ; demanding payment from my spouse in my behalf ; discussing debt with my spouse, ( in violation of 15 USC 806 ). A complaint to MCM has been filed on XX/XX/2023.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

This complaint is to inform you that I found an error on my credit report under this account " XXXX XXXX XXXX '' it's indicated on the Two-Year Payment History that I was " 30 days late '' on XX/XX/2023 which is a misinformation. I've been very responsible when it comes to my monthly payment and never missed a single payment. This is not acceptable.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (FL)

ayments Status Date Amount Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} What are these late fees for, XX/XX/XXXX the portal said I owed {$0.00} how can there be late fees and please provide the disclosure of these fees and from what months they are from in writing. I have not received any of my flood insurance refunds dating back from XXXX when Mr. Cooper was provided proof from numerous sources on a monthly basis. it is in excess of {$3000.00}, the number has changed every time I contact someone probably a result of Mr. Cooper 's incorrect handling of partial payments where is the excess fees that were paid above my tax payment? I don't know where those funds were allocated, did Mr. Cooper simply tack on arbitrary late fees to cover those funds that were stolen? The misrepresentation of the mortgage loan transactions and payment history in your online account is dubious, I have requested. I believe Mr. Cooper is violating the Home Mortgage Disclosure act by consistently failing to report accurate data about mortgage transactions, as if you don't have borrowers ' information correct, how can reporting be correct? XXXX Error resolution procedures have not been followed as well. I do not have the funds returned that should have been returned 15 days following the notification of error that Mr. Cooper acknowledged. This matter needs to be promptly investigated.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I wanted to inform you that I noticed an error on my credit report under these accounts " XXXX  '' and " XXXX XXXX XXXX ''. 
1. ) XXXX '' payment status was past due 30 days. 
2. ) XXXX XXXX XXXX '' was reported as 30 days late on XX/XX/2023. 
These are false information because I don't miss my monthly payments and I'm dedicated on fulfilling my responsibilities as a consumer.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is trying to collect a debt that was paid to the credit card company XXXX years ago. I have sent them proof of this, but they have ignored it and repeatedly call me, and have now sent a letter threatening to sue me.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? 

If NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 's info in identity theft report attached
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC (TX)

My closing date per the purchase contract was XX/XX/2023. When I went to the closing attorney 's office, I was asked if my wife was with me as XXXX is a community property state and the mortgage lender/company was requiring her to sign certain loan documents. I was never informed or instructed by the mortgage loan officer and/or the loan processor that my wife needed to attend closing. I never received a closing call nor did I receive any communication, written or verbal, regarding my wife needing to be at closing to sign loan documents. As a result of this egregious omission/error by the mortgage company , the builder came back on XX/XX/XXXX, stating that since the loan didn't close on the XXXX, that I was in breach of contract for missing the closing date, and if I wanted to move forward on buying the house, the price of the home was being increased to {$630000.00} from {$580000.00}. Had the mortgage company alerted/informed me that my wife needed to be at closing to sign loan documents, I would have closed on XX/XX/XXXX, per the contract, and not been subject to paying the higher price of {$630000.00} or {$45000.00} more for the home.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC (FL)

The UWM ( United Wholesale Mortgage ) company has transferred my loan to another company, and I am unable to make contact through the phone or the website they have provided. The phone system from UWM is automated and directs me to a non-working phone number and the website of the " new '' company.

Essentially, I now have no information about my mortgage, and on their website, it states that my account is closed.

There are no available means to contact UWM.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This was account ending in XXXX XXXX XXXX and bought by XXXX XXXX XXXX XXXX {$740.00} as past due debt fist of all this is not my account and they are reporting inaccurate information on my credit file. It's causing me alot of stress and heart ache. 
I'm requesting this incorrect information to be deleted
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2023 I had realized my credit limit had be unilaterally reduced from {$6000.00} to {$900.00}. Which is a substantial injury to me by interrupting commerce and causing a harm to my livelihood as I am the original creditor to this agreement as my consumer credit was utilized and extended to open this account. 
In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA.

- Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, between the creditor and the obligor, not later than 45 days prior to the effective date of the change.

- Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes.

In accordance with the CFPA, I request the acknowledgment of violations on behalf of Bank of America, A resolution to rectify this matter in good faith, And the recession of the security interest and any associated liens on the account
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I went to the XXXX XXXX store to finalize the contract for a kitchen home remodeling project. I was in the process of paying for the project with a combination of credit cards. All the credit cards went through successfully except for FNBO 's who denied the charge, blocked the card, and accused me of attempted fraud. These accusations continued and escalated. The first contact I spoke to said, " A lot of people are purchasing gift cards with credit cards at XXXX XXXX and XXXX. '' Then, in a follow-up phone call I received from them, ( I am paraphrasing ), " If you you are involved in any more scamming activities ... '' Then, in a letter I received from them, " and you are associated with other persons who are doing so. '' These accusations escalated even after and despite my complaint to a higher managerial person about the false accusations. I, as well as the XXXX XXXX kitchen designer, were appalled at the initial rudeness and obtuseness of the initial customer service rep of FNBO. The fact that a manager did not put a stop to these accusations, and perhaps is a force behind their continuance is also appalling. There is a stark level of difference between FNBO and all the other credit card companies. I am not exaggerating when I say that I perceive that this company is dangerous to customers.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I had a student loan with Navient with the original balance in XX/XX/XXXX showing as XXXX. I received a letter that same date from XXXX, XXXX, and XXXX stating that they would be drafting {$60.00} from my account to begin repayment on this debt and were assuming the debt from Navient. From XX/XX/XXXX till XXXX of XXXX I consistently paid to the aforementioned debtor in an effort to satisfy this debt. I later found out that this payment was not being credited towards the loan from Navient and Navient stated they showed no record of having sent this loan to an outside party. During this time, I received several late payment reporting on my credit report which significantly impacted my ratings. Additionally, my credit report currently shows a past due charged off balance of {$3700.00} and the account is closed and has reopened with a new account balance of {$9200.00}. I would request that the late payment history be removed from any existing opened and closed reported accounts associated with Navient and that the account be updated to reflect a current payment status with no past due/charge off balances.
Consumer complaint received 2023-10-03
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: Aqua Finance, Inc. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-04-24
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/XXXX, I initiated an ACH transfer to have funds transferred from my USAA account to my newly opened XXXX XXXX XXXX account. Approximately XXXX hours later, my USAA account reflected that funds were debited from the account. However, my XXXX XXXX  XXXX account still shows the funds never arrived. I notified USAA and requested that the transfer be reversed ; they informed me that I would have to file a dispute instead. After filing the dispute, it is common practice for USAA to issue its customers a provisional credit to make them whole in the interim or while the case is being investigated. USAA refuses to do this, more likely due to my increased spending activity. I am an unemployed, XXXX veteran, and I just moved into a new apartment, so my spending has increased due to furnishing my apartment. I also have bills that will become due over the next few days and likely will be unable to pay them due to USAA 's neglect and I've notified USAA of this many times, yet they have ignored my request. I would like to ask if someone could investigate this matter so that I can receive a fair resolution.
Consumer complaint received 2023-10-03
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Every month, I make a payment to my landlord through XXXX using my XXXX XXXX account. On XXXX/XXXX/XXXX, I made a payment to the same registered email ID that I have used in the past. However, my landlord claims that he did not receive the funds, and he showed me a statement to support his claim. I contacted my bank, and after conducting research, they confirmed that the funds were credited to an account ending in XXXX, which does not belong to my landlord, XXXX XXXX XXXX. My landlord 's account number ends in XXXX, and the registered email ID for XXXX is XXXX, which I have been using for the past XXXX years without any changes. I believe that Chase Bank, where my landlord has an account, should investigate the matter and credit the funds properly to my landlord 's account. The confusion seems to be with Chase Bank, and they should rectify the situation and refund the money to XXXX XXXX. I am attaching some photos, a letter, and a screenshot as proof.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO DROPPED MY CREDIT LIMIT FROM XXXX TO XXXX K. I HAVE PAID THIS XXXX  ON TIME ALWAYS!! THIS HAS CAUSED A XXXX POINT DROP ON MY XXXX XXXX.THIS HAS ALSO CAUSED ANOTHER XXXX K LOSS ON CREDIT LIMIT WITH OTHER XXXX, NOW I CAN NOT GET A CAR LOAN OR A SOLID LOAN FOR A HOUSE! MY INSURANCE HAS GONE UP AS WELL!!!
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My account received an email notification from PayPal allowing withdrawals on XXXX XX/XX/2022, but I can't link new bank with the withdrawal, and I've contacted the customer service representative by phone several times and the problem hasn't been solved, can you please help me, thank you! 
Attached is the email notification from PayPal.
Consumer complaint received 2023-10-03
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.