davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

On XX/XX/XXXX I sent a Cease and Desist Letter to PHH-XXXX  XXXX  XXXX  time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The New Jersey Sheriff in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with GMAC Mortgage sold to Ocwen loan Services around XXXX or XXXX XXXX Sold to PHH Mortgage a of Ocwen XXXXPHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} XXXXAlso sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.
Consumer complaint received 2021-10-04
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: Experian Information Solutions Inc. (CT)

THESE ACOUNTS WERE OPENED USING MY NAME AT ANOTHER ADDRESS, THERE WERE MARKED AS FRAUD FROM CREDITORS BUT EXPERIAN KEEPS VALIDATING INFO AND KEEP REPORTING IT BECAUSE MY REAL INFO WAS USED EXCEPT ADDRESS AND THERE IS ONE ACCOUNT THAT HAS TOTALLY DIFFENT INFORMATION THAT IS REPORTING XXXX ACCOUNT XXXX XXXX-UPDATED BY EXPERIAN XXXXFRAUD ACCT REPORTING STILL XXXX {$4500.00} REPORTED XXXX FRAUD ACCT REPORTING STILL XXXX {$1100.00} XXXX UNDER NAME XXXX XXXX WHICH IS NOT ME-FRAUD XXXX XXXX XXXX {$490.00} - FRAUD ACCOUT REPORTING XXXX XXXX XXXX XXXX  XXXX XXXX {$4100.00} FRAUD ACCOUT REPORTING STILL ALIAS NAME THAT I ASKED TO BE REMOVED USED FOR FRAUD XXXX XXXX IS STILL REPORTING
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for EQUIFAX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

My business checking account was charged a fee on XX/XX/2021 for {$46.00} R/P Same Day - Low Value and {$75.00} R/P Same Day - High Value. I called into your business customer service line and was transferred to business online. I spoke with a young lady that was unprofessional and rude. I waited on hold for over 20 minutes each time I was placed on hold. I was placed on mute and not on hold. After 20 minutes she told me to go into the branch because she couldnt find out why I was being charged the branch setup the charges which is completely untrue. I asked her could she remove the charges if she wasnt aware where they came from or get a supervisor on the line. She place me on hold and never returned to the phone. That is very unprofessional to blow a customer off thats concerned about charges on their account. I run a business I dont have time to keep going to the branch about charges I can easily call customer service about and the answer be provided or the issue resolved. This is horrible! Please this needs to be resolved immediately. That representative needs feedback and training.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO Bank, N.A. (MI)

My name is XXXX XXXX.On XX/XX/21, I Applied for a bank promotion from BMO Harris bank that I saw on the internet.It promised {$500.00}. for enrolling and completing direct deposits of {$7500.00}. within a ninety day period.It seemed like a great opportunity so I applied and was accepted. I was given a promotion code and proceeded to change my direct deposit information with my employer.After my first direct deposit went through I was informed by BMO bank that I didnt qualify for the promotion due to the state I resided in ( Michigan ). Indeed, when I went back over the fine print in the offer the state exclusion was mentioned.However, I feel that when I filled out the application, including my correct address, I should have been rejected immediately rather than be told I was accepted and awarded a promotion code ( see attachments ). 

Defrauded is too strong a word but I certainly felt misled and I feel that I cant be the only consumer who has experienced this.It is a simple solution to change the application process to prevent this from happening.I am a XXXX XXXX XXXX woman supporting my XXXX XXXX XXXX husband and my XXXX XXXX XXXX husband and needless to say every penny counts.I look for any way I can to supplement my income. 

I would ask that I be awarded the {$500.00}. promotion due to my completing the direct deposit requirements, acted in good faith and was unnecessarily confused by the banks application flaws and BMOs misleading response of awarding a promotion code. 

XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2020-03-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (VA)

I have received threading phone calls at work and home from a XXXX XXXX about a payday loan. That was paid in full from a debt collection agency. Ms. XXXX told me she worked with XXXX XXXX who was an attorney. Her number is ( XXXX ) XXXX. I forwarded the proof of the account being paid in full and she told me that it was fraudulent. I could have more than one account taken out. She went back and forth with me on email and Called me back when I refused to give her any more information. She hung up on me and when I called her back from another number she answered with a different greeting. The email is XXXX and the email came from another person named XXXX XXXX. She called my phone and hung up when I told her to proceed with serving me papers. There was no signature on her email and she wouldnt tell me that she worked for XXXX   XXXX just attorney XXXX XXXX.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

Informed this collection agency that I never signed a contract with the original creditor. This is NOT some ploy. I really did NOT open this account! There are no grounds legally, leading to me, stating or proving that I opened this account. No sufficient evidence that would stand in the court of law exist. I mention this because, that's our next destination. I am prepared to sue, my lawyer is prepared, and I'm merely following the instruction of both my attorney and my local law enforcement. 

I've reached out to both creditor and collection agency informing them that I was a victim of a bad case of identity theft. They are now the only ones who refuse to even RESPOND. I sent sufficient documentation to both them ( original creditor, and collection agency ) to prove to them that this was not my account.
Consumer complaint received 2021-10-04
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: Experian Information Solutions Inc. (FL)

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/21 I received a stimulus check on my american express serve card. On XX/XX/21 I went to try and withdraw money from my card and was denied. Went into a grocery store and was denied too. Called the customer support number and they automated system said my account was locked. Every time I call them I can't get through to someone
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Good morning, According to the FCRA consumer reporting agencies must report accurate information. 

Transunion reports on the account XXXX a 90 days past due in XXXX of 2019, and a 120 days past due in XXXX of 2019, while XXXX reports a 60 days past due in XXXX of 2019 and reports 90 days past due in XXXX of 2019, This is inconsistent and inaccurate reporting under the FCRA. please delete this account immediately for failing to report accurate information.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-03-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Consumer complaint received 2021-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Consumer complaint received 2021-03-14
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. (WA)

Good morning, The Date of first delinquency reported by equifax on the account XXXX isXX/XX/XXXX. The payment history reported clearly states 30 days past due onXX/XX/XXXX. This is a violation of my consumer rights by attempting to Re age this debt. Please delete this account from my consumer report immediately.
Consumer complaint received 2024-03-18
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. (FL)

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX
Consumer complaint received 2021-10-04
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)

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Consumer complaint received 2021-03-14
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: EQUIFAX, INC. (NC)

Over the course of a year and after several phone conversations and letters with Equifax regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.
Consumer complaint received 2021-10-04
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: Resurgent Capital Services L.P. (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

CACH LLC/RESURGENT CAPITAL is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

CACH LLC/RESURGENT CAPITAL have used abusive, deceptive, and unfair debt collection practices.

CACH LLC/RESURGENT CAPITAL have violated my consumer right to privacy, I NEVER gave them any my information directly and CACH LLC/RESURGENT CAPITAL has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the CACH LLC/RESURGENT CAPITAL civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2021-10-04
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: Selene Holdings LLC (FL)

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the 30th of the month to make payment without negative reporting. The Selene finance online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction.

Selene Finance reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime Selene Finance has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Capital (WA)

XXXX from Direct Capital called me ( an unrelated party to the obligation ) in an attempt to locate their debtor. When I told him I was not the person they were looking for, he proceeded to tell me that they were attempting to collect on a bad check for this 3rd party that I am not on an account for ( although I am sure they found me via skiptracing as I do know the 3rd party ) I then explained that he was violating privacy laws by telling me this persons business as it was not mine at which he stated that 'he could have his attorney contact him as well ' The number they called me from was XXXX. 

Had he simply asked me to relay a message without disclosing personal information, I would have done so.