davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from EXPERIAN XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (LA)

I contacted Navy Federal Credit Union on XX/XX/2023 to exercise my right to rescind a contract. I am a authorized user on a Navy Federal Visa Signature cashRewards credit card ending in XXXX ( XXXX XXXX ). I am exercising my right to rescind because I did not receive any consumer notices or disclosures pertaining to this credit account. I did not receive a credit card and I am not able to make any purchases. I have been restricted by Navy Federal from using the account however, this account is being reported to all credit bureaus and other agencies on my behalf. I have not made any purchases and this account is not my responsibility. I was added to this account under false pretenses.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Financial Services Solutions, Inc. (NC)

Around approximately XX/XX/XXXX, I contacted Beyond Finance to assist me with consolidating my credit card accounts and possibly getting settlements with the credit card companies that would allow me to clear my credit of any outstanding balances. At the time that I contacted Beyond Finance, my credit was " excellent '', in the XXXX range, with no late payments ever. Beyond Finance instructed me they would take care of paying the credit cards, with me making one payment to Beyond Finance monthly. It was six months before Beyond Finance started making payments from the money I had sent them, leaving red marks on my credit for missing payments. My credit score quickly plunged from XXXX to XXXX. 

I made the decision to refinance my home to get the money to pay off Beyond Finance and asked them to send me a quote of the amount that would pay off my remaining balances on my credit report. They quoted me the amount of {$2400.00}. I sent them this amount immediately and it cleared my bank on XX/XX/XXXX. After multiple calls each week, 3-4 calls each week, Beyond Finance tells me 14 days later that they quoted me the wrong amount and that I need to pay them an additional {$500.00}. I paid the additional {$500.00} to them on XX/XX/XXXX. My credit is still showing a balance owed on one of the cards, XXXX XXXX, and Beyond Finance keeps telling me they will graduate me from the program once XXXX accepts the payment. This has been going on for at least two weeks and no payment is yet showing to XXXX to pay off the balance of {$130.00}. 

I feel Beyond Finance has scammed me and has definitely ruined an excellent credit for me. I am in the process of buying a home and want all of this to be settled as soon as possible, yet it appears to be stalled, despite me having sent them {$500.00} more dollars. 

Thank you for any assistance you can provide. I certainly don't want anyone else to have to suffer the stress and worry that I have suffered with this company.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXY XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

I have a credit card with Chase Banking. I noticed fraudulent activity on my credit card in XXXX of 2021. I immediately notified Chase, disputing the charges and opening a fraud claim. The claim was denied on the basis that a physical card was used ( according to Chase ). I was not notified the reasoning for this decline, I was forced to call them back and have it explained to me. I informed Chase at the time of reporting the fraudulent activity that I had the card in my possession, and this fact was still ignored. I also informed Chase that the state I live in is ( Colorado ), and it is where I was residing at the time of the fraudulent charges that occurred in the state of Missouri. I did not have any accessible records on my XXXX to prove me location, and because I work remotely, I did not make any other transactions on that day to prove my location. My only option is to pursue phone records from my wireless carrier, XXXX XXXX, however, when I called and asked for this help, I was informed that XXXX would only release the relevant records to me in the case that they are subpoenaed from a lawsuit. Since I do not know who made the charges, in a different state, I have no ordinary way to obtain the records that prove my location and allow my to successfully dispute the charges. As a result, I am forced to pay off the $ XXXX charges that were fraudulent.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My loan transferred from XXXX to Chase. Starting XX/XX/2021 Chase mortgage start to charge flood insurance premium {$1300.00} annually. But I do not need to get a flood insurance. I shared FEMA documents that I got from XXXX team who used to take care my loan service. But Chase team didn't approved the document and got flood insurance and start to charge it. 

Whoever review this should contact below so he can explain why this zone isn't flood zone. I shared this but ignored. 

XXXX XXXX at XXXX XXXX XXXX at XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

There is a credit card on my credit sesame account saying it is thru CITI and I don't have a credit card at all and never have when I called them about it they told me said there is no credit card in my name or with my social security number but it is on my credit and has been for years. It was paid off then I got a update that a new authorized uses was added and a new amount was set and now it is back on my report
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Someone stole my bank card and totally wiped out my account of {$11000.00} and the bank ( wells fargo ) denied my claim saying that the chip was used and I guess they figured that it was me. This was done at ATM and I told them that I never ever use an ATM. They was suppose to call me within 1 to 2 business day about my claim, didn't happen then said that sometimes they send a letter, didn't get. Then talked to them again and was told to leave a call back # and the next available person would call, didn't happen. Was transferred to 8 different people all saying they couldn't help. Told them that I was not receiving bank statements and the only thing that each one was concerned with was my address. Talked to them again today and got transferred to different people again and told someone would call me back again.
Consumer complaint received 2022-05-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/XXXX, XXXX {$590.00} they reversed money to me and told me to go get a prepaid card from a store and the on XX/XX/2022 {$1100.00} was in my account and was also reversed. They also told me that I can send the money cash app, XXXX XXXX to help build my credit. They also told me that they will turn my card off. I called the company and I dont have an account with them.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2022, I received a text message asking me to confirm a {$3500.00}. Zelle payment, from supposedly my XXXX XXXX bank fraud dept. When the I replied that I didnt authorize the transfer, I received a phone call supposedly from my XXXX XXXX bank. The phone number showed up on my caller ID as XXXX XXXX bank. I was then walked through instructions on how to reverse the unauthorized claims. What really happened, though, is that I transferred money directly to the criminals. Since my daily limit was set at {$1000.00}. They were not successful stealing the said {$3500.00} amount. 
As soon as I suspected something was not right I contacted my XXXX XXXX fraud dept., and filed a claim with my bank as well as with Zelle. Upon they're review they both denied my claim. Basically blaming me for being a victim of theft.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (TN)

I had received my XXXX  benefits on this card and shortly after became iXXXX My card was used and this person spent every dime. I have provided proof of XXXX to show that there was no way I could have made those purchases as I was in XXXXl. The total that has not been retuned is XXXX.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

XXXX  is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to XXXX, they claim they can not ADD this account unless Union Bank reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.
Consumer complaint received 2015-11-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (TN)

A company by the name of Midland Credit keeps calling me about a debt that I am not a party to. Initially they were calling me cell phone number, and I believe they may still be calling my cell phone although I have asked them not too. Even after telling them I am not the debtor, they continue to tell me all of the details of the debt. They have disclosed the total amount of the debt, that the debt is for a credit cards with XXXX XXXX, etc. they call several times a day, every day. The debtor is my spouse XXXX XXXX.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management (FL)

On Wednesday XX/XX/XXXX at approximately XXXX hours I called Fox collections to inquire about the date my dispute was entered. The agency in particular, office manager, XXXX XXXX, refused to provide that information, when I was willing to provided the appropriate information in particular the account number and or reference number for him. 

According to the CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. 


If you choose not to verify your identity by providing the requested information, for example, your Social Security number, the debt collector generally will ask you for another form of identification. That could be an account number for the debt in question ( if you know it ), other contact information, such as your current or previous address, your phone number, or one or more of your most recent transactions with amounts and dates.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

I am a natural person/ not a third party I just know my rights I have never enter any contract nor did any business with MRS BPO AKA MRS ASSOCIATES. This was a fraudulent account open under my name and I did not do any business with att nor this debt collector and the I gave notice to both of the companies. This is a violation of the FDCPA!!!! I sustained damages and I demand reimbursement!!!
Consumer complaint received 2018-09-20
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. (MO)

The following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I charged the amount of {$100.00} on my BofA credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. BofA reported my account to XXXX as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called BofA three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from BofA asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to XXXX XXXX to get resolution through them. 

When I looked into XXXX, I noted that BofA reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to XXXX, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received my {$5000.00} check from the State of CA. I deposited it on my account last XX/XX/2018 and there was a hold. I called the customer service about the hold and I was told it is federal regulations and I am ok with that. However on Saturday, XX/XX/2018 after I checked online, all the funds were released. However, last XX/XX/2018 my account was blocked and was told that there is fraud in my account due to the check that the State of California Return to Work Supplement Program sent to me. 
Upon knowing that my check was cleared, I started paying bills and credit cards. However, they were all returned due to the blocked that Citibank put on my account.
Consumer complaint received 2021-11-15
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. (NY)

XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
Transunion, XXXX and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

In late XX/XX/2019 we received notification that our mortgage was transferring from XXXX to Loancare effective XX/XX/2019 with instructions to send XX/XX/XXXX payment to Loancare and use XXXX loan number if information is not received as to new loan number if not contacted by Loancare prior to the due date. Information was not received so initial instructions from XXXX were followed and payment was processed by bank through EFT on XX/XX/2019. Approximately XX/XX/XXXX we received a message to call Loancare. This was done and we were informed that we were delinquent on XX/XX/XXXX payment. We then informed them we had proof of payment and that it was sent using XXXX loan number. The representative then was able to trace payment and said it would be corrected within 3 business days and also provided me with the new Loancare loan number since we still didn't have any correspondence. Since that time we have continued to receive phone calls on this delinquency and despite each time being promised they would " escalate '' the issue to have the payment " recognized '' the payment has not been recognized and calls have continued on a mostly daily basis. Please note that when calls are made there is never a person making them but are just robocalls ( Loancare 's term ) asking for us to return their call. Upon making those calls it normally takes anywhere from 10 minutes and longer to actually get to talk to a person and we are then immediately told the payment is delinquent. They posted our payment made on XX/XX/2019 as XX/XX/XXXX payment and calls stopped for 5 days and then began again as " XX/XX/XXXX payment not received ''. Since it is now 50 days since they received XX/XX/XXXX payment and approximately 30 days since we were promised their error would be fixed that their daily phone calls are basically harassment on their part. 
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Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is still reporting incorrect information on my credit report & I'm trying to refinance at a lower rate & because I have disputed the incorrect information, there is a problem & I will not remove the dispute & may lose the financing. 

What is strange is that right at the time I applied, XXXX contacted me to refinance with them. They are insane. Below is the correct information : I have a letter from SLS showing they were paid off XX/XX/2021, YET THEY REPORTED ME 30 DAYS LATE!!!!! 

The XX/XX/2021 payment was made XX/XX/2021, check # XXXX sent via usps Priority Mail, # XXXX XXXX XXXX XXXX XXXX XXXX & I have their receipt via email ; YET THEY REPORTED ME 30 DAYS LATE!!!!! 

I have not attached them because my husband died & I'm not digging out their information again. 

THEY NEED TO FURNISH THE INFORMATION. The burden should be on them for THEIR ERRORS OR DELIBERATE MISREPRESENTATIONS!