davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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. (CA)

I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2021-12-18
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: Experian Information Solutions Inc. (AL)

First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with XXXX and Experian not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from XXXX and Experian as they continue to ruin my reputation by reporting this false information.
Consumer complaint received 2021-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

I received a letter from ALLY Financial dated XX/XX/2021 regarding a due amount. Upon receipt, I mailed a validation and cease and desist letter to them by certified mail dated XX/XX/2021 to the address listed on the letter. After 10 days of waiting, no return receipt. I then mailed another validation and cease and desist letter to them by certified mail dated XX/XX/2021 to a different address. I finally received the returned receipt for both letters stamped XX/XX/2021 as the date of delivery. After that time I continued to receive numerous calls even when I demanded them to stop calling, I was told that they did not have a cease and desist on file. This has been very stressful for me and has made it difficult for me to keep up with my work.
Consumer complaint received 2022-02-12
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. (IL)

This is Something I have No Idea of I dont know why its on my report I want proof of who they are they can be some type of random bill that can be fraud I never received anything from the company or who they are.
Consumer complaint received 2020-02-28
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)

I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I initially took out a mortgage on XX/XX/XXXX with Fremont Mortgage In California. It was then transferred to Litton Loan Service where I had a loan modification. It was then transferred to Ocwen Loan Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ; XXXX or XXXX in XX/XX/XXXX. I took out another loan modification with Ocwen in XX/XX/XXXX. The agreement showed that once the total of {$58000.00} would be removed three ( 3 ) in XXXX ; XXXX & XXXX as long as I made my payments on time which I did & was never late. Fremont Mortgage initially had two ( 2 ) loans on the property through Litton Loan Service LLC then Ocwen XXXX. It was paid off while with Ocwen. Ocwen failed to apply my payments for two months & held it in a suspense account. After writing letters to Ocwen & filing several complaints, Ocwen corrected the account & applied the three deferments to the account. After Ocwen got in trouble with the government, the mortgage portion of their business was transferred to PHH Mortgage XXXX XXXX XXXX, XXXX NJ XXXX ; XXXX AN XXXX who failed to maintain accurate records with the correct Principal balance & Original Amount. ( Amount on record is {$310000.00} in XXXX XXXXthe original amount & not the amount of the loan modification with Ocwen Loan Servicing LLC in XXXX resulting in overcharges ) and then transferred the inaccurate record to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; NewRez.com ; XXXX. It showed that my mortgage was {$310000.00} instead of the Loan Modification amount of {$220000.00}. It shows the wrong principal bal. In XXXX the balance was {$64000.00}. Im mot getting credit for my payments. The records are showing a Negative Amortization. In addition, I charged {$20.00} late fee & I have until the 16th of the month before being accessed late fees. Attacks the record for XXXX :
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have Called for over past two years about this account it has harmed my consumer reimport causing me not to open a bank account and survive. I am asking you to remove this fraudulent account from early warning system and XXXX
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I am a customer of Suntrust Bank, now Truist Bank since XXXX of XXXX Since the merger to Trust, my accounts have been plagued with problems. Listed below are the detailed problems : 1. They keep charging me overdraft fees and returning payments. I had overdraft protection with Suntrust which was linked to all three of my accounts, after the merger they unlinked them. I keep relinking them, but their system keeps unlinking them and thereafter charging me fees and returning payments made to vendors. To date I have been charged over {$1800.00} in fees and this not including fees that were charged to e do to returned payments. I had over {$150000.00} in the bank and they returned small payments and charged me fees. Customer service refuses to remove them, stating that they are not authorized and the hold time to speak with someone is over three hours at times.

2. They keep canceling my debit cards without notice or reason. They state that its a system area, but it keeps happening and its random. After they send me a new card which takes over three weeks to receive, they then cancel the new ones after 4 weeks of usage. I have been locked out of my debit card now for over thirty days.

3. All of my bank statements look distorted after downloading them from the website and several of my lenders would not accept them because they looked like someone had fraudulently altered them. 

XXXX. I had multiple fraudulent payments processed through my account from XXXX, XXXX and XXXXXXXX XXXX. Someone used my checking account to pay the bills on fraudulently opened accounts and Truist allowed it. I asked for a letter stating the transactions were fraudulent and they would not supply it. I asked for a fraud investigation and they asked me to reach out to XXXX. That department could not help me either. 

5. I am being charged analysis fees, and sometimes its over {$300.00} charged to my account. 

The bank has major issues and I am shuddering because of it.
Consumer complaint received 2021-12-18
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. (CT)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

Purchased a car thru Auto Now financial in XXXX of XXXX. My first payment was not due until XX/XX/XXXX. Before that date arrived I started receiving delinquent payment notices. Every month for a year I received these notices, sometimes twice a month. Every month I requested a date or payment information that I was delinquent from. It is now XX/XX/XXXX, and I still have not received any information about what payment I missed. I tried everything humanly possible to get this fixed to no avail. Now they are destroying my credit. And I'm forced to file a harrassment suit against them. One more thing, every notice I received had a different total that I was delinquent. I can provide numerous correspondence with Auto Now financial, with receipts to prove I paid when I was supposed to pay, what I was supposed to pay.
Consumer complaint received 2021-12-19
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. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VT)

I called Chase on XX/XX/2022 to dispute two charges ( XXXX full amount for train cancelled due to an ice storm PREDICTED FOR THE NEXT DAY ; XXXX partial for a XXXX hour flight delay voucher that I can not use ). The Chase worker, XXXX XXXX, said they would put me on hold for 2 minutes. I hung up after 10 minutes. Chase owes me {$120.00}. There is a third dispute that I think I was able to successfully submit on the Chase web site. That one was vs. XXXX for {$20.00}. ( XXXX told me my phone is too old and will no longer work but is still charging me for service. ) I contacted XXXX, XXXX, and XXXX to no avail. Please confirm.
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (AZ)

A letter was received from American coradius international llc on XX/XX/21 stating they were attempting to collect a debt that I owe to XXXX in the amount of {$65.00}. 

I called XXXX and they verified that I have a XXXX balance and they have not referred my account to a debt collector. XXXX is unaware of why a company would be attempting to collect a debt in their name as there is no debt.
Consumer complaint received 2015-08-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AE)

I received XXXX to the XXXX in XXXX 2011. We started the process of listing our home for sale and were unsuccessful. In order to attempt to be compliant with our XXXX XXXX report date the agent and lender advised on attempting a short sale. In order to start the short sale process we had to show hardship and stop payment for several months. Prior to our departure of XXXX XXXX we had late payments past due and no clarification on a short sale. Over the course of the next year we were advised to apply for a deed in leiu. Obviously during this time our credit rating was destroyed and on final outcome our home was given back with an appraisal of more than XXXX less than purchase price XXXX years earlier. As I am returning to the states in a few short months we are trying to purchase another home and are having trouble. I have just now learned of a retro action from DOD HAP that may assist our past situation. Unfortunately i do not recall receiving and information about actions via mail as nothing was formal and may have appeared to be " junk mail ''. In short my service requires my family to move short notice and has caused financial hardship over the past years.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SinglePoint GI (IN)

Per previous complaint, General Revenue Corp has admitted to violating my consumer rights to privacy, 15USC 1681 ( B ) Permissible Purpose, and providing inaccurate amounts owed to original credit.

I attached the reply from General Revenue Corp, where they stated that they provided a signed financial-aid certificate as proof debt. This is a/an admission of violating my consumer rights to privacy, and a violation of Permissible Purpose 15USC 1681 ( B ).
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (WV)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-02
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: Experian Information Solutions Inc. (TX)

Earlier this year I complained that Experian is not accurately reflecting my credit history and worthiness. Again this month, my FICO score dropped significantly by 15 points because " 1 ) No recent revolving balances - Your credit report show no recent balances on your revolving accounts. Your FICO Score was hurt because you are not currently demonstrating active revolving credit management. '' This assertion is totally erroneous as a great deal of transactions occur in both AMEX accounts continuously and are paid very promptly so as to remain in excellent status. AMEX has supplied a letter reflecting the exceptional and excellent status of my accounts without exception. Seems I am being penalized for paying promptly and in full maintaining a zero balance. This practice is unfairly and erroneously being reflected in my FICO score. This is the second occurrence this year and the previous complaint yielded no results through this effort. I take my credit scores very serious, thus if my complaining is frivolous, please notify me so that other remedies can be sought.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I disputed XXXX debts posted by this collection agency to my credit reports, as they are not mine. However, when I disputed them, the company re aged the debts and posted them to my report as if they were new. Please have them removed.
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I am filing a complaint against the company PAYWARD VENTURES operating under the trade name KRAKEN whose head office is located : Payward Ventures , Inc. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX Reason : misappropriation by the company Payward ( KRAKEN ) of a portfolio of assets in Euros and crypto-currencies for a total amount of XXXX bitcoins as of XX/XX/2021 ( i.e. approximately XXXX at the time of the event ). 

I blame the company : 1.for not having alerted me that two withdrawals, by a means other than the email that we do not necessarily consult in real time, one of XXXX bitcoins, the other of XXXX bitcoins were requested by an internet user based in XXXX ( which the company was aware of ) 2.not to have implemented a security leading to validate by the account holder, by one or two means ( email, SMS... ), a withdrawal of a very significant amount 3.for not having informed me that two withdrawals had been made on XX/XX/XXXX at XXXX UTC ( XXXX XXXX time ) 4.for not having responded quickly and up to the stakes to my insistent requests that I made to the support : the answers took several hours to come, and it took me three days to be able to reconnect to my account and find out that it had been completely emptied 5.of not having provided the security expected for a platform for exchanging the funds entrusted to it 6. to be responsible by these breaches for the total loss of my portfolio of assets up to XXXX Bitcoins Comment : before any intervention to be able to allow me to connect again, the support required to carry out a certain number of interventions that I had to perform, in particular to delete the browsing history, which is now detrimental to the analysis of events. The KRAKEN support being able to know that the funds had already disappeared, should instead have asked to preserve this useful information to document the possible phishing situation, whereas today the precious and useful data for the investigators has disappeared.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX credit Card In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I've been trying to get a XXXX fare ticket refunded. First through the merchant with nonresponse, and then through the citibank XXXX XXXX the ticket was charged on. According to the merchant policy I could make changes or cancel the ticket up to XXXX hour prior to departure. I canceled it 6 days prior to departure and less than XXXX hours after receiving confirmation.Even if there were any fare restrictions, fine prints, would have been overridden as stated by the merchant if they failed to confirm my reservation within XXXX hour due to internal delays. Furthermore, the purchase of a new ticket for the same travel date and itinerary 6 days prior to departure and only a few hours after receiving XXXX  reservation confirmation, also using the same credit card ending on # XXXX along with the submitted documentation 's timeline proves I have done my due diligence to cancel this ticket as I don'tsee any reason Id keep both. 
I will never again purchase a travel ticket unless it's straight from the carrier. Online merchants who make it impossible forthe customer to reach customerservice and don'thonor theirpolicy like this particularmerchant give a bad name to online sellers. 
The credit card company has shown little to no effort to settle this matter
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I made the last payment to XXXX XXXX on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from XXXX confirming the aforementioned. 

On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over 110 points. The company has been terrible to work with and have not corrected anything.