davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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. (IL)

I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Consumer complaint received 2020-08-13
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)

I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Credit Recovery, Inc. (LA)

I notice 3 collection accounts on my credit report from SOUTHERN CREDIT RECOVERY on the XXXX of XX/XX/2020for different alleged debts of ( XXXX $ ), so I sent them a letter requesting the information concerning this account on XX/XX/2020.I also attached a copy for your viewing and assistance below.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

In XX/XX/2018 I sent convergent outsourcing a letter to verify a debt with XXXX of {$1900.00}, they have on my credit report. They sent a bill which is not valid proof or a signature of a contract that this debt is mine. The debt is not mine and Ive sent a request to them to delete the debt from my credit report from all three bureaus.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

A person trying to be my landlord and asking me to transfer money via XXXX. After I made XXXX transactions, I found out that its not right. 
XXXX transactions : XX/XX/2024 {$1000.00} XX/XX/2024, {$1000.00} XXXX XXXX, XXXX, {$1000.00}
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Skopos Financial, LLC (FL)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. 

Skopos financial llc # XXXX. has violated my right 15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-13
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. (PA)

Around XX/XX/XXXX I disputed XXXX XXXX XXXX on my credit report. On XX/XX/XXXX Experian notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, XXXX XXXX XXXX should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As XXXX XXXX for a legally formed XXXX  entity, I phoned American Express on XX/XX/XXXX at exactly XXXXXXXX XXXX ( PST ). During this 33 minute call, I made it known that the XXXX I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my XXXX Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which XXXX XXXX XXXX XXXXXXXX, then I believe American Express ' attempt to collect should be levied against the business entity. Not its employee. Furthermore, the CAREs Act was devised to protect consumers, both business and private, during this pandemic against unjustified negative credit reporting activities.
Consumer complaint received 2020-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

Loan NUmber XXXX. 
This is in reference to a previous complaint XXXX which was started on XX/XX/2020. After going through with PennyMac and XXXX  associate XXXX XXXX and XXXX XXXX to have our son included to the loan, we were told that he is now included to the loan. Although we do not have any access to view of the inclusion to the loan since this is more a Server situation. The initial complaint was closed on XX/XX/2020. As per Ms. XXXX and her response to CFPB, it would take approximately two ( 2 ) billing cycles to reflect the process. On first time I called Ms. XXXX was due to a misunderstanding from me that require two billing cycles in early XX/XX/2020 when the ownership addition did not reflect in the monthly Statements. Then when XX/XX/2020 rolled by, again I called Ms. XXXX and left a message to let her know that the monthly statement still does not reflect the inclusion. It is now three billing cycles. I sent a message through their Message Center in early XX/XX/2020 concerning the inclusion. I still have not received any response from anyone in Penny Mac. But again, I gave Ms. XXXX a call twice and left messages on my concerns towards the end of XXXX week of XXXX 2020 since XXXX 2020 monthly statement still does not reflect the inclusion. I understand the ongoing situation nationwide. I am sure I have given enough time to remedy the situation. Thank you.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Submitted a Mortgage Refi Application in XXXX of XXXX with Navy Federal Credit Union. To date ( XX/XX/XXXX ) we the applicants still have not closed. We have been told multiple times that we are just a couple weeks from closing only for another two months to pass by without action.

Our loan officer continues to ask for documents that we have  submitted on multiple occasions. The level of scrutiny being exacted upon is discriminatory. We suspect that it because we are XXXX American in the age of COVID-19 in which XXXX people are being impacted the worst economically. To date we still have not closed and Navy Federal Credit Union continues to ask for information for which feel is designed to stall from having to approve the loan. 

I am a veteran having served 22 years in the XXXX XXXX.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current (CA)

Dear Sir/Madam, My bank institution, online bank Current, keeps my funds as pending ( hotel pending charges, several of them ) for almost a month, however their own policy provision XXXX 15 business days in such circumstances. 

I contacted them regarding these isssues many times in the last 7 days and before as well. I also have a transcript of the latest conversation with a customer rep and was told by customer rep that my 3 pending charges over the timeframe obviously. Then customer rep contacted main office about release of these charges and they refused to release. 

I have been having this issues with this bank consistently over the last several months. Meaning I have to contact them in order to get my pending funds released. 

I also have recurrent payments to my insurance company which already have accumulated late fees etc because of that.
Consumer complaint received 2020-08-13
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXXXXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}
Consumer complaint received 2020-08-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (NJ)

On and for the record, I initiated a formal dispute with CONVERGENT OUTSOURCING regarding the alleged debt and inaccurate derogatory mark listed on my Credit report in XX/XX/2020. I gave CONVERGENT OUTSOURCING 30 days to show evidence of the alleged debt obligation in accordance with FCRA and FDCPA. After FAILING to provide the requested evidence, I sent another letter giving CONVERGENT OUTSOURCING an additional 15 days to validate / verify the alleged debt evidenced by Certified Mail number XXXX XXXX XXXX XXXX XXXX. After Failing to provide evidence of the alleged debt within the initial 30 days and 15 day extension, I sent a THIRD letter evidenced by Certified mail number XXXX XXXX XXXX XXXX XXXX where I demanded that they request the UNVERIFIED Derogatory mark be deleted from my Credit reports. CONVERGENT OUTSOURCING FAILED to Validate the alleged debt AND FAILED to remove the mark from my credit reports. I then sent a letter to the Credit Bureaus regarding the alleged debt but the Credit Bureaus failed to remove it despite the fact that CONVERGENT OUTSOURCING has FAILED to Validate the alleged debt. It has now been 6 MONTHS and CONVERGENT OUTSOURCING has still FAILED to validate the debt in accordance with FCRA and FDCPA. CONVERGENT OUTSOURCING is using Unfair and Deceptive business practices and it is severely hindering my ability to obtain credit. PLEASE HELP
Consumer complaint received 2020-08-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

I recently had a claim with Homepoint financial ( " HP '' ) related to my escrow account. HP incorrectly set up my escrow account by using incorrect tax information, they claimed the information was not readily available when I was in the process of refinancing my home. I provided HP with the initial estimate produced by point equity that correctly calculated my impound account. As a result of this error, my initial impound account was underfunded on day 1, this should not have happened and I was surprised it was not caught during closing or notified of the issue on day 1.

I have a clear paper trail between point equity ( lending broker ) and HP showing the change between my initial refinance estimate with the correct impound account information, and the closing document that was using the incorrect information. I requested HP to remove my escrow account, and I was told that I would need to pay the outstanding balance of {$3700.00} before I could take over my impound account.

Instead of admitting there was an error at the close of my refinance, HP reduced my mortgage payment without discussion or reason, and also mailed me with an escrow release waiver. When my case was closed, I was provided the reason as to why my mortgage payment has changed, which was HP spreading the shortage over 5 years. As a result of this process I notified HP that I am disputing the XX/XX/2022 payment until a reasonable resolution is reached.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2020 disputing the collection account for a XXXX XXXX   account in the amount of {$320.00}. By the way, I DO NOT ever recall having a XXXX XXXX account. I received a response letter from XXXX XXXX XXXX dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by IC System Collections agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to IC System on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by IC System Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from IC System, they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim and I do not recall ever having a XXXX XXXX   account. 

This complaint is in regards to IC System Collections as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS IC SYSTEM COLLECTIONS NOW ABLE TO VALIDATE THE DEBT?
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

Account name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MA)

Good Afternoon & Happy Thursday! Listen, I was actually shocked when I reviewed my credit report & I found 2 medical collection accounts listed there from Commonwealth Financial Services or originally from XXXX XXXX. This is surprising to me because I never received any information in the mail or to give me the right to dispute the alleged debts before it was placed on my credit report. I called the company directly to resolve the issue and the Reps even mentioned that they don't even have my XXXX or other personal information pertained on my file. After several hours of going back and forth, as I don't want to waste any more time because I'm in the process of buying a house, i offer them to just pay both of them off and they agreed that they will be deleted before the XXXX of this month XXXX XX/XX/XXXX ). Please see the attachments for verification. Why they never sent me paperwork on this before so the consumer can dispute them? Isn't that my right? What type of information these hospitals are given to this third-party company about my healthcare report? Isn't this HIPPA violation?
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NV)

My complaint : {$130000.00} was stolen from my account with Gemini Trust Company , LLC. The money was stolen through a series of transactions starting on XX/XX/2022. I logged into my account on XX/XX/2022 and saw that my account was locked. I contacted Gemini Trust immediately. There is no way to call Gemini, so I emailed them. They told me to send proof of my identity, which I did immediately. They have not contacted me again. My account balance shows {$3400.00} as of today and my account is still locked. 

Details of the events : The first unauthorized access of my account was on XX/XX/2022 from an IP address in the XXXX. I was not aware of this access and was not notified by Gemini. On XX/XX/2022, my Gemini account was again accessed by an unauthorized user, this time from an IP address located in XXXX XXXX. The thief was able to access my account despite the fact that I had, and continue to have, two factor authentication required to login to my account. 
The thief converted {$130000.00} of XXXX ( Gemini USD coin ) into dollars and began to execute a series of unauthorized trades. The thief also sent XXXX ethereum coins ( worth approximately {$1600.00} ) into my account on XX/XX/XXXX for unknown reasons. Somehow, the thiefs trades changed my account balance down from {$130000.00} to {$3400.00}. I did not know, and was not notified by Gemini, that any of this was occurring. I did not know that there was any unusual activity occurring in my Gemini account until I logged in on XX/XX/2022. 
I logged into my Gemini account on XX/XX/2022 and saw that it was locked. I immediately opened a support ticket and was told to send in a selfie with me holding up a piece of paper with the date and a secret code [ XXXX ] provided to me by customer support. I did so immediately. I never received any response again from Gemini. I have been contacting them repeatedly since XX/XX/XXXX and have not received any further responses after the first email asking me to verify my identity. 
On XX/XX/2022 I changed the password to my Gemini account. I continued using two factor authentication. I also completely wiped my computer in case there was any malware on my computer. On XX/XX/2022 the thief was able to login to my account again, this time using an IP address from XXXX, XXXX XXXX. Clearly, despite my doing everything on my part to keep my account secure including changing my password, using two factor authentication, and even completely wiping and reinstalling my entire computer system, Gemini is still not keeping my account secure from malicious logins.