davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KY)

In XX/XX/2013 Ocwen Loan Servicing put our 2nd mortgage in charge off status based on the declining value of the our home. The problem is that the value of our property was never in decline. In fact the value of our property has steadily increase since we have owned our home. The charge off negatively effected our credit and put our 2nd mortgage in a delinquent status. The mortgage loan # is XXXX.

There was absolutely no justified reason for Ocwen to put our 2nd mortgage in charge off status. Our home is well maintained and we take pride in the appearance and condition of our property.
Consumer complaint received 2022-10-31
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)

On XX/XX/XXXX, I noticed a new company on my credit report Im pretty new to the credit world so I didnt pay it any mind, On XX/XX/XXXX I no longer saw the account so I thought it was taken off but I noticed it had been closed that same day. I knew I never opened up a credit card I immediately knew someone used my social to open one and this whole thing was fraud, when I called to report the credit card account, nothing was done, I tried to dispute the credit card account and even went as far as freezing my accounts and reporting fraud but still nothing was done, None of the credit bureaus took my concerns seriously. It is now XX/XX/XXXX and I still have a credit card account that was open in fraud on my account my address isnt been correct because I moved so this had to be done by someone who thought I lived at the same address
Consumer complaint received 2021-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Somebody has obtained my personal information and has opened accounts in my name. 
XXXX XXXX XXXXXXXX : {$2400.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX : inquiry XX/XX/XXXX capital one : inquiry XX/XX/XXXX Please remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft, all is investigated by the FTC . According to FCRA 605B This information must be blocked immediately until the investigation is over.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NC)

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

XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

For the past, several months I have requested Equifax and XXXX XXXX to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with XXXX Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from XXXX on XX/XX/XXXX on a contract that was not signed by me. A XXXX employee forged my name on the contract. 
XXXX started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. XXXX has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When XX/XX/XXXX reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number ReasonXX/XX/XXXX Social Security Number xxxxx XXXX Variation XXXX was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit XXXX XXXX reported it
Consumer complaint received 2023-08-14
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: CAINE & WEINER COMPANY, INC. (NC)

According to XXXX XXXX XXXX, Caine & Weaver is not authorized to collect debt. Therefore, they are operating illegally. 

After calling them to verify the debt, I was transferred three times providing each agent with my information, and they were unable to locate the debt anyway!
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My home loan owned by XXXX but services by Loancare. I received an incorrect XXXX for tax-year XXXX. I attempted to contact Loancare but they have not responded to my e-mails. I tried calling them on the telephone but was only able to get a computer and was unable to ever talk to a person. 

My initial e-mail was on XX/XX/XXXX. I received an automated e-mail response within a short time saying they had received my e-mail but with no other information. I still have not heard from them.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CT)

I was " approved for the Citi / AAdvantage Platinum Select card, with a credit limit of {$10000.00}. Your account is considered open as of today, XX/XX/21. '' However, since that time I have not received the card which was supposed to have arrived in 7-10 days. In fact, a follow up email from Citibank said I should have received my card by now. When I called they blocked me almost immediately. I called from XXXX not from my home phone because, I, like so many others, do not use a landline often. Two customer service representatives yesterday, XX/XX/XXXX were rude and belligerent to me, asking all kinds of security questions which I passed. They lied about putting me through to a supervisor, rather left me on hold so as not to look incompetent. I ended up speaking to several more today, including a supervisor and they refused to unblock my account. To be clear, I have never received the card in the mail. I was merely asking when it was sent out. I did not ask any account sensitive questions and answered all their security questions. They kept saying 'sorry ' or 'unfortunately ' and insisted on calling me despite me not having an easy way to be called back. I said I wanted the hard inquiries pulled from XXXX and XXXX which will stay there for two years. I don't want the credit card. My account is open and I can't even use it! Nor can I close it! They will bill me {$95.00} and I will not get the bonus miles promised. Citibank is a scam. I want the account closed and the hard inquires removed at once. It negatively affected my credit score for two years starting recently.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (SC)

I made a purchase from the company XXXX with 18 months without interest that expired on XX/XX/2022. But before the date expired i spoke with someone from customer service and I asked her " if I did not pay my balance in full, what would happen? '' and she told me that they were going to charge me interest on the remaining balance.which for that time was about {$400.00} dollards. Y last balanced show that they charge me {$620.00} for due to expiration plan charge and I feel vetrayed by the person I spoke and the company because she works with XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

National Credit Systems is engaged in willful, diligent and deliberate violations of federal law by attempting to collect this alleged debt and is currently furnishing this inaccurate account to my consumer reports illegally. They have refused to respond to my last CFPB complaint which included my first Affidavit of Truth to them and they did so by deceptively marking it as a duplicate complaint. They might attempt this deceptive tactic once more with this complaint although I have included my newly updated second Affidavit of Truth attached below which they received and signed for on XX/XX/2021. As outlined in my previous two Affidavits of Truth now in their possessions National Credit Systems has broken countless federal laws which I have carefully explained and narrated in those documents. All my remedy demands outlined in these documents are demands and not request as is my right as the federally protected consumer and natural person. This company is currently causing me lots of injury and further delays and illegal actions by them will only worsen this matter for them as I progress through my private administrative process. I advise whoever at National Credit Systems who receives this complaint and second Affidavit of Truth to forward it to your executive leadership and legal team. Your legal team will understand what these documents actually represent and mean. National Credit Systems is delaying and acting like these issues ( their blatant violations of federal laws ) will go away if they stay silent or like they can get away with it. However, as I diligently move through my private administrative process things will only get worse your company in the near future. You have time to resolve all outstanding issues by providing all my outlined remedy demands which includes paying the attached invoice. Again these are all demands and not request as the original creditor, federally protected consumer and natural person pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA and under Title 15 Chapter 41.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (PA)

My name is XXXX 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.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/21 I called the center of Bank of America to dispute a charge in the amount of {$24.00} from a purchase from poshmark on XX/XX/21 I had to dispute the charge because the package irrived damaged and I stop at the post office and I was told I could not claim the ins it had to be poshmark and the poshmark was not responding so I had no alternative to do it thru my bank all I wanted was a label to return the merchandise to get credit instead I was abused by my bank I spoke with a supervisor his name was XXXX in Arkansas he was rude nasty and I told him I would report him to the banking Commissioners office and ended the call. On XX/XX/21 I went to access my account I was notified that my account was in review to be closed I done business with bank of America for 15 years no overdrafts my account is in good standards I can't get founds of {$900.00} my name is XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I was scammed i cashed XXXX checks of {$1400.00} that were fraudulent and i didnt know. I sent {$1600.00} out of the XXXX checks and the rest remained untouched. The bank took back all XXXX checks to which i owed a total of {$1600.00} to Wells Fargo. I have XXXX accounts with wells fargo my checking and my savings, all the money was taken from my checking and i acknowledge what i owed and was trying to pay off the debt to close the account and move on. After XXXX weeks of being transferred from department to department no one could help me, what ended up happening was they took what i owed from my XXXX  account to pay it off. Now my savings account has still been untouched but they where still closing it, in my savings i have a total of {$2600.00} ; i called the loss prevention line and they said i can pick up the funds to close the account permanently ; when i went to get the funds they said that the bank had taken it and will not give back saying that i owed that much ; when in fact i didnt owe anything other then the {$1600.00} since Wells fargo had taken the uncashed checks directly out of my checking ; this is my first time being scammed and i have been treated like a criminal, they will not work with my on anything and nobody knows what they are doing over the phone. My savings is my money that i dont owe to anyone so their is no reason for Wells Fargo to be saying that i owed that on top of the {$1600.00} i have statements that show i didnt spend the other checks and statements confirming Wells Fargo took the uncashed checks out, i payed what i owed and now their saying i owe more this has been nothing but a childs game for the past month ; i want my funds from my savings as i dont owe Wells Fargo anything after the {$1600.00} was payed back to them of the fraudulent money.
Consumer complaint received 2023-02-10
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. (TX)

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} ENHANCED XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I previously disputed this JPMCB Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your JPMCBs claims that theyve investigation this item. On my last certified dispute letter to JPMCB, I requested that they mail me the proof of their investigation within 30 days. It has been more than a year and they have not mailed me the proof. JPMCBs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, JPMCB should delete this negative information from all my credit reports. It has been a terrible experience dealing with JPMCB. I have maintained a careful record of my communications with JPMCB for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should JPMCB not remove this account from my credit reports.
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX, Transunion and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX  and Transunion and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I'm lodging a formal complaint against both XXXX XXXX XXXX and XXXX insurance, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by progressive insurance given as collection to XXXX XXXX XXXX. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.
Consumer complaint received 2021-03-10
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: Bread Financial Holdings, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (GA)

I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2021-03-11
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. (FL)

XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.