davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
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. (GA)

A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Consumer complaint received 2020-03-18
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. (GA)

A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$3800.00}
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

I was directed by the Federal Reserve complaint office to submit this to the CFPB. I will also be submitting this complaint to the FDIC and the XXXX XXXX XXXX XXXX both of whom regulate XXXX XXXX 
Since all debt is the responsibility of the United States Government and I am the creditor, I do not understand how a Bank, a borrower, can charge off my account and then sell it for a profit ( they are paid by the insurance company when " charged off '' and then sell to Dent collectors, when my account has been and always will be FULLY funded by my Estate/Corporate entity. CITI Bank charged off my Home Depot credit card after I lost my job during the COVID epidemic and that severely impacted our household income. They sold the account to XXXX XXXX, a Debt Collector. I have never entered into a XXXX XXXX XXXX with XXXX XXXX. CITI Bank has never allowed me to participate in their arbitration after numerous requests by me. I have tried repeatedly to get this Consumer Credit transaction validated from XXXX XXXX and they have taken me to court, XXXX XXXX Maryland XXXX XXXX Case # XXXX and the Judge sided with them and I now have a judgement against me and are threatening garnishment. XXXX XXXX bought a bundle of charge offs as an investment and now along with the XXXX XXXX Maryland XXXX XXXX are trying to get my family and I to pay their ROI and profit
Consumer complaint received 2020-03-18
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. (GA)

A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX The results of the requested investigation did not produce the documentation or provide an updated report ... ..therefore they ... XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D2 Management LLC (MS)

I received the first call  XXXX   XXXX   2017  from a representative  of D2 M anagement. I was not advised this was an attempt to collect a debt. The caller asked for me, stated the last  XXXX  numbers of my  XXXX  and continued to say I owed this money and without paying I 'd be served small claims summons for various infractions. When I asked for verification and stated I had no knowledge of this debt I was told I did n't need it and the call was disconnected. On  XXXX   XXXX ,    2017  I again got a call with the same initial statements. When I told the lady I had no idea what she was talking about, she gave generalized information and stated that the only notification I would receive would be court summons. When I asked to not be called again and was disconnecting the call, I was then told this was an attempt to collect a debt.
Consumer complaint received 2021-06-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The reason for this letter in dispute of the operating practices, misleading information and fraudulent activity bestowed on me by the Credit Acceptance Corporation. To wit : At or near the beginning of this Pandemic, I contacted this company via telephone, and was informed by a manager, ( named XXXX ) that due to the current crisis they would defer any actions against their clients as it relates to making payments at that time. I was told that " If '' I was able to make even a partial payment to do so. If not they would defer until the crisis was over. 
I contacted them again in XXXX, to make arrangements to bring my account current, because I had been unable to make my payment ( s ) during the Pandemic. At this time they requested that I pay them {$6400.00} on or before XX/XX/2021. ( See Enclosed Agreement Letter ). I was promised by them that if I was able to make this extremely large payment, my account would be brought current and my account would be in very good standing. 

I paid them the entire amount that they requested, by the day they requested. XXXX XX/XX/2021 Bill from company. Cleary states " NO PAST DUE AMOUNT ' After doing so and thinking that I had done everything they requested of me. I was appalled upon review of my credit to find that even though they told me. 1. That they would defer the payments until after the Pandemic. 2. That my account was in good standing. 3. There would be no penalties for not making payments during the crisis. THEY STILL REPORTED MY PAYMENTS 60, 90, 120 DAYS LATE. 
Totally contrary to what they told me or what expected from them. 

In closing I would request that this company do right by their customers. They should not be able to, on one hand state you dont have to make payments and then penalize a customer for doing exactly that. Then finally when they requested over {$6000.00} I paid it to keep myself and my credit in good standing. But this payment did neither. This company and their praticies should be sanctioned in some manner for misleading and subsequently penalizing their customers for doing exactly what they agreed to allow. And they need to correct " All ' misinformation supplied by them to the different credit reporting agencies.. 
Please Advise.. 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Sent from XXXX Mail on XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX The above company is request that I pay a debt that the original financial entity had submitted a 1099-C to the IRS, and the IRS has granted the 1099-C and now I have the 1099-C as income to submit when I pay my taxes. So the original financial entity received credit for this debt. and this debt collector is try to make money off a debt that has already been canceled and forgiven. The debt collector is also try to collect more than double the amount of the original debt.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

The credit card company sent a statement for a bill of {$9.00} with no evidence of a related charge. This amount was paid to avoid damages to credit. Upon attempting to use the card recently for a purchase of {$7.00}, the transaction was declined and upon reviewing the account, it appears that the credit card company again billed for an unrelated charge of approximately {$39.00} on or about after issuing a statement approximately XX/XX/2020. This is the same amount paid on XX/XX/2020 to bring the account balance to XXXX. This is an XXXX XXXX XXXX ( credit builder card ) backed by Synchrony Bank and I paid {$100.00} to initiate this account from my personal checking account with XXXX XXXX XXXX XXXX. The total unknown charges is {$48.00}. The total amount in question is {$140.00} from my personal checking account.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

My phone had previously been through XXXX. In XXXX, 2021 I went to XXXX and had to purchase a prepaid phone. XXXX had problems porting my phone and everyday for XXXX weeks I would go in and try to work with XXXX XXXX, the manager. I was then told to give them a month to fix the problems yet the continued to bill me for a prepaid service. The store manager XXXX XXXX even paid a phone bill for me. Nonetheless they continued to have problems getting my account straight. I would go in the store every other day until I decided to discontinue business with them. They would even keep me on the phone for hours promising to fix the problem to no avail. I am requesting all the notes on my account from XXXX with XXXX XXXX, their manager and myself. I will never do business with this company again. I am on XXXX and should have stayed with my government issued XXXX. 

Have XXXX submit records, notes of phone calls and billing statements. Also reach out to Manager XXXX XXXX. 


XXXX put my account with The XXXX XXXX, XXXX see attached CFPB Complaint XXXX copy attached
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I made my loan mortgage payment on XX/XX/XXXX via telephone with a Rushmore Customer Service Representative, XXXX, AGENT ID # XXXX. Upon giving her my Bank Accounts routing number and account number, she gave me Confirmation # XXXX. 

The agent was aware as to why I was making a late payment for the first time! I also told her it was in regards to the ongoing Escrow Insurance Account Discrepancy! 

The agent stated that she would wave the late fee and assured me shed look into the ongoing/unresolved issue with my XXXX XXXX Account since XX/XX/XXXX as well. I never heard back from XXXX. 

On XX/XX/XXXX & again on XX/XX/XXXX, Rushmore Loan Management sent out these letters stating that my XXXX mortgage payment was delinquent! I immediately contacted the lender and i was told that the agent XXXX, ID # XXXX, did not process my payment correctly, yet I was given a PAYMENT CONFIRMATION NUMBER! 

The entire state is absolutely clueless and ridiculously unprofessional!
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to Freedom mortgage yet, Freedom mortgage has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. Freedom mortgage for example reported on XX/XX/XXXX to XXXX that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for Freedom mortgage states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS Freedom mortgage is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX XXXX for Freedom mortgage to the CRPB back then!
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-02-29
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: FactorTrust, Inc. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Consumer complaint received 2022-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (MD)

My complaint is with Fortiva XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. This company has made unauthorized debits to my account that the monies have exceeded the amount balance. When this instance first happened, I contacted Fortiva in XX/XX/2022, and they stated that they would reverse the charges and send me a check and I should wait XXXX XXXX XXXX  days. I waited as they requested and noticed their statements did reflect a change in the account but I never received any of my funds. During the month of XXXX they charged my account again. When I advised the Representative of the company, ( The name he gave was XXXX. ), that I had not authorized these large payments nor did I receive the previous funds, I was told that I would have to send them my Bank Statements to prove that I had not received their check. My response to him was that his company should be able to verify that the funds had not been cleared from their bank. I further told him that having them to review my bank statements is an invasion of privacy and they have no right to make such a request. I have emailed them about this issue as recently as today since we are beyond the XXXX  day timeframe that was given, and that they now owe me a grand total of {$3400.00}. I have suffered major financial setbacks due to their irresponsible business practices.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (CA)

I attempted to resolve this issue in XXXX of XXXX in writing with no luck. 3 payments of {$330.00} were made/posted in XXXX of XXXX ; 2 payments on XX/XX/XXXX received on the same day ( interest charged {$20.00} & {$100.00} ) a 3rd payment on XX/XX/XXXX ( interest {$23.00} ). An attorney informed me that because ( 2 ) payments were received on the same day BMO should not have charged me twice with interest. Original loan was 72 months ; this account was closed against my will or primission. I continued to deposit approx. {$330.00}. a month into my BMO account. I forgot about the taken interest payments until I received a survey from BMO bank and I responed with a low score. I received a phone call as to why the low score and I explained my story of double dip intrest charge taken. I was told nothing could be done about this because the account was closed. I withdrew my funds from BMO ( {$5900.00} ). The survey was a reminder of the negligence on my account by BMO. BMO took my interest payment and the availability for me to accure interest on my investment. So I removed my investment from BMO. I am willing to use the accounts again if BMO is willing to make good with what they did, if not Im now good with what I did.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. XXXX XXXX XXXX  has a fraudulent auto loan reporting to my consumer report. They provided me with the original loan contract which has invalid information, the address is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature and did a terrible job.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I was trying to change/cancel my XXXX XXXX XXXX hotel reservation that I could not make because of CORONV19. ( XXXX closed the entire county ). 
The reservation was made thru Chase SAPPHIRE reserve credit card 3 nights for XXXX XXXX I spent 3 days since XXXX restrict the travel talking to SAPPHIRE reserve credit card customer service representatives.I was not able to get any help and chase SAPPHIRE reserve deny all my asks and did not provided any valuable help.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

Chase.com/amazon credit card online payment center only allows me to make minimum payment. When attempting to pay more than the minimum payment, but less than the total balance the payment will not submit. This has been an ongoing issue with this credit card. Additionally, can not make more that 1 payment a month online, when attempt to make more than one payment in a one month period the 2nd payment will not submit. Great scheme JP Morgan has to maximizes its credit card interest revenue, is it legal?
Consumer complaint received 2022-07-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (WA)

On XX/XX/XXXX, a fraudulent charge was made against my XXXX account by a person in XXXX, XXXX. I first learned of this charge on XX/XX/XXXX when XXXX sent an email threatening to refer me to collections if I did not pay. 

After repeated back-and-forth over email and phone, XXXX recognized that the charge was fraudulent ( after I emailed their general counsel and threatened legal action ). They apologized, made a note in the account, and promised not to refer me to collections. 

On XX/XX/XXXX, I received an email from Cedars Business Services attempting to collect this debt on behalf of XXXX ( which has since ceased operations in the US ). 

I provided Cedars with the email correspondence from XXXX with XXXX. Although the amount and transaction date match the purported debt that Cedars is attempting to collect, Cedars tells me that the account number is different and that they will need to investigate further. 

I am hoping that you will be able to help me have Cedars drop the current collection effort. Thanks in advance for anything you can do. I'm attaching my correspondence with XXXX from XXXX and with the Cedars agent from yesterday.
Consumer complaint received 2022-07-18
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: HOVG, LLC (AZ)

Hello, Hello, I have a collection on my report from XX/XX/XXXX. I moved to XXXX XXXX on XX/XX/XXXX and have not been back to XXXX. I dont know who or why my information is in the system but this was not me and I have NO knowledge of this. I have disputed this once before with credit karma and it was removed. However, it was decided to charge me again. This WAS NOT ME and please let me know what I need to provide to show I have been in XXXX  since XX/XX/XXXX. This is fraud possibly even identify theft. I have no knowledge of this. I am also filing a complaint with XXXX XXXX, XXXX XXXX and XXXX again.