davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (SC)

ON XX/XX/2021 I Requested that NCB Management Send me the Original Agreement for this allege collection account XXXX Any promissory note attached to this agreement Along with the 1099 -OID for this alleged debt if it is not medical debt.

They sent in the paperwork that had no signs of my own, It is against the statute of frauds of South Carolina - " Statute of Frauds SECTION 32-3-10. " Agreements are required to be in writing and signed. ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' NCB has yet to produce anything that resembles a contract yet they keep contacting me with this alleged debt as if they have the right to I want this alleged collection account permanently deleted from all of the credit reporting agencies
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (CA)

1-I have been making extra payments to the principal and my mortgage lender doesn't apply it in the right time, they put the money on my mortgage loan at their convenience, 2-beside that, I requested the cancelation of the escrow payment in my mortgage bill due to they don't pay in the right time period or sometimes they make 2 payments to complete 1 of the property taxes, when they took my money already to make those payment, 3- after I was approved of the cancelation of the escrow payment in my bill, there was remaining money the mortgage lender was suppose to have refunded me so I can make the next property tax bill payment and since XX/XX/2021 Gregory Funding , has not sent me any money back. The total of {$410.00}.

4- I have been making many calls to Gregory Fundings customer service and nobody will help me, they alway say ... oh I will escale your case, oh I will call you back to follow up your case, and never happen, they don't care about the customers at all 5- On the bill statements they put the money on suspense-unapplied, so they don't put the money in the correct day of the mortgage payment date.
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

RESURGENT CAPITAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Consumer complaint received 2021-07-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a mortgage refinance with Bank of America and was informed that my credit has to be at XXXX and it is currently at XXXX. I have been a customer with BOA for 14 years and I am considered a platinum preferred customer based on the amount of funds in my accounts. Every time I have applied for anything at this bank I have been denied and Im sure its because Im a minority. I have been informed that my credit score actually has to be at least XXXX per other lenders. I have also been discriminated against years ago when I applied for employment. I will be taking my funds from this bank as well.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.
Consumer complaint received 2021-07-31
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. (FL)

Hello, Im writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section and the collections section of my credit report. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you. 

XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$400.00} Account name : XXXX/XXXX  Account number : XXXX Date : XX/XX/XXXX {$300.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$6800.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$980.00} Account name : XXXX  Account number : XXXX Date : XX/XX/XXXX {$510.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$200.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$190.00} Please remove off my credit report immediately
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

PLEASE DELETE THIS ACCOUNTS AND INQUIRIES : 1. Pursuant to 15 USC 1681s-2 this account is in violation for not providing a notice of dispute XXXX XXXX Account Number XXXX XXXX Please delete account from my report at once. 

2. Pursuant to 15 USC 1681i ( 7 ) this account failed to provide description of reinvestigation procedures for method of verification XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Non Mailable Address- 1974 Privacy Act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-02
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: JPMORGAN CHASE & CO. (UT)

REPORTING COMPANIES ARE CURRENTLY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
COMPANY NAMES WHO IS REPORTING TO THE ABOVE IS ; JPMCB, AND XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I discovered these accounts on my credit and they do not belong to me. Ive reached out to the company several times!

1.XXXX XXXX XXXX XXXX {$810.00} 2.XXXX XXXX XXXX XXXX {$170.00} 3.XXXX XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2022-01-02
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. (NC)

Disputed inquires by letter and on the phone but they have not been remove the below companies did not have my permission to pull my credit The inquiry 's was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX AUTO I
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXX XXXX, Complaint # XXXX-XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2023 Purchased 3 Items Online from XXXX XXXX using their Credit Card through Capital One. 

XX/XX/2023 Wrong Item delivered in large box via XXXX was incorrect Item-Recieved 30 '' diameter round mirror with brass frame instead of medicine cabinet Contacted XXXX XXXX to resolve -- was advised correct item would be shipped. 

No Items received therefore disputed transaction online XXXX XXXX Capital One Account and amount of order credited while in dispute XXXX XXXX  advised Capital One that correct shipment was received and Captial One recharged XXXX XXXX Credit Card XX/XX/2023 Contacted Capital One via phone and was sent electronic link to refile complaint XX/XX/2023. Documents below. 
XX/XX/2023 Capital One recharged my account for the item not received.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I noticed that funds were rapidly decreasing from my account until the funds were all gone and didn't stop until I was {$1200.00} in the negative. I contacted the Chase claims department and informed them that there were unauthorized transactions made on my account. .the unauthorized transaction began very subtly dating back to XX/XX/XXXX XXXX the first transaction was for around {$20.00}. then again in late XXXX, two more debits were made that I didn't authorize. then again in XXXX for a little more ... All of the unauthorized charges had odd names attached to them and I didn't recognize any of them. Chase told me that the unauthorized charges were all coming from XXXX. I disputed all of the unauthorized charges from XXXX and XXXX. At the time I was unaware of the XXXX and XXXX charges. Once it was brought to my attention that more transactions were made from XXXX I filed a second dispute ... ..I was told that they were going to investigate the charges and they would let me know if they needed any additional info ... The unauthorized charges stopped immediately once the first dispute was filed ... I thought they blocked international charges from my account and were investigating the claim. Turns out I was wrong ... Chase said that because I didn't catch the initial 20 unauthorized charges back in XXXX I was responsible for all of the unauthorized charges. They said that the unauthorized charges were not covered under visas fraud protection because the first sign of fraud was in XXXX and when I asked if I could appeal their decision they keep telling me No. They locked me out of my account and I am only allowed to log into chase .com but it says not able to review any accounts. They stole XXXX out of my account and have denied me a fair chance to appeal their decision ... 
Is there anything I can do to appeal their decision?
Consumer complaint received 2019-12-16
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. (IL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.
Consumer complaint received 2023-01-22
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. (SC)

I had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2021-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed XXXX account multiple times with Transunion for inaccurate reporting but Transunion continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX Transunion is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.
Consumer complaint received 2021-07-31
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: SYNCHRONY FINANCIAL (SC)

I have disputed Belks account multiple times with XXXX  for inaccurate reporting but XXXX  continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX XXXX  is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.
Consumer complaint received 2021-07-31
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. (OH)

I would like to file a complaint against Experian XXXXredit reporting agency. Experian is reporting fraudulent information on four accounts on my credit report that are paid in full with a {$0.00} balance. I have contacted experian by mail and by phone. I have asked them repeatedly to remove and delete the four accounts that are paid from the collections section of my credit report. I disputed the information in XX/XX/2021. Experian completed the dispute marked the accounts as paid and then placed them as collection accounts on my credit report. Again these accounts are paid in full with a {$0.00} balance therefore they should not be listed as a collection on my credit report as they are paid. I contacted experian by phone XX/XX/2021 and asked for the fraud department. I was transferred to a customer service representative in the fraud department. I told the representative that I wanted to report fraudulent information on my credit report that was placed on there by experian. The representative refused to take my fraud report and told me I had to dispute the information. I informed the representative that I had already disputed the information, that experian has the accounts marked as paid but also has them as collection accounts. I informed the representative that these four accounts can not be collection accounts since they are paid and have a {$0.00} balance. The representative told me that yes they are paid but they are still collection accounts. I asked the representative how these accounts can be collection accounts when I paid them in full. The representative transferred me to the dispute department where another customer service representative also refused to let me report fraudulent information on my credit report. This representative opened another dispute on all four accounts. As of XX/XX/XXXX and XX/XX/2021 the four disputes were completed. Experian updated the information the same as before marking them paid and listed as collection accounts on my credit report. I would like for you to investigate this and have these four accounts removed from my credit report. If experian does not remove this fraudulent information from my account I will be filing a defamation lawsuit against them. I don't understand how they were allowed to refuse my right to report and investigate fraudulent information on my credit report. I will give you the names of the four accounts to help you proceed with your investigation. 1.XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX  ( re : XXXX XXXX XXXX ) 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX ( re : XXXX XXXX XXXX  XXXX ). If you need anymore information please contact me. Thank you. 
XXXX XXXX
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

The Target Card that shows delinquent on my credit report has been disputed with Target, as my deceased mother was the card holder. I provided my mother 's death certificate, she died XX/XX/XXXX, I later found out it was a {$20.00} outstanding credit card balance. I emailed and faxed Target and no resolution. I also disputed through the ( 3 ) credit agencies. In XX/XX/XXXX after resolving all my mother affairs. Email below. I also, have fax confirmations at home in files. I request this be deleted off my report or showed as paid on time. 

From : XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Death of Credit Holder and Process for Closing Accounts Hello- It is very unfortunate that I am now angrily typing this email after spending 40 mins of my lunch hour on the phone with Card Services for the 3rd time in the past few months. I have spent 3 separate days and hours trying to resolve a simple request. Please email me your policy for the subject line in this email. Once I receive this I will send you my complaint and all pertinent information. I only asked that my mothers account be closed after her untimely death on XX/XX/XXXX. I then called and asked that I be removed today since Target continues to report derogatory missed payments to the three credit agencies. I spent 40 mins on the call with a person who could not understand my request, she continued to say she was getting her supervisor per my request and never did, as I have both names. As I also partly recorded the call. I asked what was the balance because I recall paying the balance in full myself after my mother 's passing. It was only {$20.00} which she stated I was responsible for, though I am not because I am not executor of her estate as she had none and I conveyed this when account was closed. Also, I know my rights, as I work in Contracts. When I closed the account, Target was the only creditor of hers who never asked for me to fax a death certificate. Now, she is requesting one today and telling me my credit reporting can not be reported correctly because they never received a death certificate, then why was the account closed under my moms name? 

Please send me the policy. I will follow-up with names, Death Certificate, Proof of missed payment credit reporting, etc. 

Sincerely, a customer not satisfied.
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (IL)

I HAVE TRIED SEVERAL TIMES TO VALIDATE THIS ALLEGED DEBT AND HAVEN'T BEEN ABLE TO LOCATE THIS DEBT COLLECTOR TO OBTAIN THE LEGAL DOCUMENTS THAT SHOW I OWE THEM. THE MAIL THAT WAS SENT WAS RETURNED AS UNDELIVERABLE YET THEY CONTINUE TO FURNISH HARMFUL & FALSE INFORMATION ON MY CREDIT REPORT WHICH IS DAMAGING MY CREDIT SCORE, MY ABILITY TO EXTEND CREDIT & MY BRAND.