davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
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: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-01
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. (TX)

I've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

American Profit Recovery , Inc. is falsely harassing me and trying to collect {$72.00} + Interest despite, I have clearly explained why I do not owe any money to their client by a letter on XX/XX/21. Can you please help me stop this harassment as they do not seem to understand.
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

On XX/XX/2020, I called Carrington Mortgage Services Home Retention Department and spoke with Griselda. She told me my modification had been approved, she explained the offer, and told me to sign and send it back. I received the offer by USPS First Class Mail on XX/XX/2020. It is dated XX/XX/2020 and postmarked XX/XX/2020. 
The due date given me to accept and return it with my signed decision is XX/XX/2020. My past due balance will be added to the balance due on my 30-year mortgage and my payments reduced by {$31.00}.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I signed up and opened a citibank checking account late XX/XX/2020 to take advantage of the XXXX thank you point bonus for signing up after you spend {$750.00} and make 2 bill payments within 60 days. I did complete those terms and citi bank has not credited my account. They have not gotten back to me after I complained.
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (MA)

I am a client of American Express Everyday Card. 

I am being charged a penalty APR for late payments. However, I do not have a late payment with the account. I was charged a late payment which had to be credited by American Express, as it was paid on time. 

I contacted American Express and they stated I am receiving an anticipated Annual APR charge along with a " Penalty APR ''. They have provided no disclosure related to the penalty amount. Further, I have no late payments which would have activated a penalty APR. The penalty APR is approximately XXXX a month. 

I asked American Express to remove the entire period of penalty APRs, which have been applied for over a year. I asked American Express to accommodate me during the Epidemic. They stated they are reviewing, " not acting '' on any such support requests. They have not refunded the penalty APR. I have received no requested disclosure.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2020-04-01
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. (NV)

ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses  FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Consumer complaint received 2020-04-01
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. (NV)

ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Consumer complaint received 2020-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

This debt was not not billed accurately by originator of debt thru medical biling error. This debt is also older then 7 yrs and was never reported correctly. This collection company that bought this old debt is now falsely reporting this debt as if it is recent showing XX/XX/2019 which is not true. I have had no contact with this company and it should provide the correct date of orig. billing collection at the very least which reflects orig date which should be date the the Physicans office that I had the dispute with.
Consumer complaint received 2022-12-28
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: Bread Financial Holdings, Inc. (NC)

Comenity Bank card hasn't been used since XXXX of XXXX. On XX/XX/XXXX XXXX charges were made totaling {$330.00}. I received a XXXX XXXX Card Account Activity from XXXX XXXXXXXX XXXX on XX/XX/XXXX and shortly after a bill in the mail from Comenity Bank. I have called at least 6 times in the past XXXX days ( today is XX/XX/XXXX ) with no help at all. Comenity online service options does not have an option to report fraud or to dispute charges. Being on hold for over half an hour then to have the call dropped/disconnected several time is frustrating and brings to mind a scam company with XXXX XXXX  customer care '' representatives who do nothing but read from a script to verify account information and transfer the call to some XXXX  XXXX department XXXX XXXX to answer calls. Comenity Bank is reporting incorrect information to credit bureaus about me I demand that these fraudulent charges removed from my credit history and close completely close the account with Comenity Bank.
Consumer complaint received 2020-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (CA)

The Notice of Default was resended by prior servicer in XXXX. Servicer subsequently sold the loan to a new company who is foreclosing in spite of showing modification was fraudulently signed by the lender. Loan had been fully forgiven in XXXX. I was forced to file bankruptcy/Adversary Action to keep my home. My attorney who is elderly, XXXX plus years, and extremely terrified of the Corona Virus, had to have a telephonic hearing with the bankruptcy judge and was not in the right state of mind and could not argue the case. Subsequently, the stay was lifted and my home of 20 plus years is scheduled for foreclosure on XXXX. This is unfair, especially since XXXX forgave the loan in XXXX. There is no explanation on how the loan balance of XXXX increased to XXXX in less than two years. Servicer states there was a credit line increase in XXXX, which is untrue, especially, since in XXXX lenders were closing their equity lines. We have asked for payment history and we have asked for the forgiveness letter because I have, in my notes, that I spoke to a XXXX XXXX, with XXXX, and she verbally told me that the loan was forgiven and followed up with a letter in XXXX. Instead of producing the letter, they produced a fraudulent modification. That's how we found that there was a fraudulent modification done by XXXX. Furthermore, there has been no correspondence from the lender from XXXX to XXXX when solicitors notified us that XXXX  had filed a NOD that they resended. We notified the Consumer Financial Protection Bureau. We need your help. We also have a declaration from our attorney stating that he is sick and he foolishly participated in the XX/XX/XXXX telephonic hearing against his better judgement and in retrospect he realized that he was not prepared or in a right state of mind to argue the case as he should have been. Remember, he is elderly and very concerned of the Corona Virus. He's in age of XXXX and older group, which, health authorities projected with being the highest danger with contracting the Corona Virus and having serious injury or dying. He regrets that he didn't request a continuance as he planned because of how he felt. He was confused and his judgement was impaired, which was not fair to his client. He requesting a rehearing. In XXXX, under Making Homes Affordable, our mortgage was modified through the Department of Justice Settlement and  XXXX and brought to it's current market value of XXXX. Because our property has appreciated in value, this lender/servicer is taking advantage of a loan that was originally XXXX and had been forgiven in XXXX and claim the balance is now over XXXX, thereby, trying to say we have no equity and should just hand over our home of 20 years. This is wrong. All of the supporting documents have been provided to XXXX and the law firm and have been ignore.
Consumer complaint received 2020-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I had previously reported these as fraud : XX/XX/XXXX. XXXX XXXX XXXX. {$1500.00} XX/XX/XXXX XXXX. {$120.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX. XXXX. {$100.00} XX/XX/XXXX. XXXX. {$230.00} XX/XX/XXXX. XXXX XXXX. {$82.00} XX/XX/XXXX. XXXX. {$24.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX. XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX {$94.00} XX/XX/XXXX. XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX. {$77.00} XX/XX/XXXX. XXXX XXXX. {$88.00} Total : {$2700.00}
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MA)

This is an UNKNOWN account. I have never had an account with XXXX which you mentioned that I have debt with. I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-04-01
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. (GA)

I have two charges on my account one for a photographer and one for a videographer that I never authorized. However, every time I dispute it and appeal it they deny it every time. They are not protecting me the customer at all. I have not been rendered and service nor received and service for these charges that werent  authorized.
Consumer complaint received 2020-04-01
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. (VA)

These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter
Consumer complaint received 2020-04-01
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. (VA)

These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.
Consumer complaint received 2020-04-01
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. (VA)

These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.
Consumer complaint received 2020-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

On XX/XX/2020, the CARES Act was signed into federal law indicating that borrowers with federally backed loans would have their payments suspended through XXXX XXXX, 2020 and the corresponding interest waived. As for borrowers in the Public Service Loan Forgiveness Program ( PSLF ), the law clearly states that each month of suspended payments would count towards the 120 required payments under this forgiveness program. 

My loans are handled by FedLoan Servicing ( FLS ) and I am enrolled in the PSLF program. As of today, XX/XX/2020, FLS has not updated the information on its website reflecting these changes implemented via federal law. In fact, FLSs website currently ( and erroneously ) states that suspended payments will not count towards the PSLF payoff. Ive also contacted FLS at least three times in an attempt to get guidance on  how to proceed since my loan payment due date is swiftly approaching. The customer service reps have either been completely unaware of any changes to be implemented under the CARES Act or have provided guidance that is clearly contradictory to the text of the new federal law. Other customer service reps have repeatedly recommended emergency forbearance which is different from suspension ; forbearance would disqualify skipped payments from being counted towards PSLF. 

FLS is purposefully misleading customers about options available during this time of financial instability, and also withholding important information that impacts the financial status of thousands of borrowers. FLS has also failed to provide borrowers with a clear timeline regarding implementation of the CARES Act.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A few months ago my wife and I checked our reports and discovered multiple accounts that did not belong to us being reported. We involved the police and opened up a dispute about the accounts but there are still lingering accounts reporting that are there from the identity theft case. Im writing to request the credit bureaus correct my reports within 30 days. All items should be removed from my credit report. I never had any credit.
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NE)

Almost any other loan servicer is offering deferment for consumers during this pandemic. Loancare is only offering forbearance and they refuse to answer if you question if they will do a loan modification at the end of forbearance. If I can not afford my mortgage this month how am I going to have a couple months worth in full at the end? If they truly cared they would offer some assistance other than racking up a huge bill and foreclosing on houses when the pandemic ends. I am more than willing to let them collect my interest during deferment but they wont even consider this.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

In XX/XX/XXXX I filed a Chapter XXXX bankruptcy for 36/60 months. I canceled my service with XXXX and returned all the equipment back to them. Since the cancelation, I have received a collection notice from numerous collection agencies and each time I dispute and verified that I am in Chapter XXXX and returned all leased equipment ( I still have my original Drop-off package receipt from returning the equipment. ) In XX/XX/XXXX a new creditor named Diversified Adjustment Service , Inc. reported {$1100.00} on my credit report without any notification of an attempt to collect. XXXX received its equipment and sold this debt before verifying, that debt collector verified but still sold the debt and now we have this collection agency purchasing a fake debt and instead of verifying just put a derogatory marks on my credit report ; while I'm still in Chapter XXXX bankruptcy. I would like to be clear, the amount is for the leased equipment and not for early termination. I open the account with a XXXX in XX/XX/XXXX.
Consumer complaint received 2020-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NJ)

Citi has sent my home equity line to XXXX for servicing. And now my balance is displaying incorrectly on Citis web site and mobile app. As of XX/XX/ it shows a balance of {$140000.00} whereas the correct balance - as displayed on XXXX web site, is {$99000.00}. 

Im sure this discrepancy is causing a lot of confusion and stress to Citis customers. I would like this issue fixed for myself and all other customers and some goodwill compensation for having to be the one to point this out to the company.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (ME)

I was never notified of this debt in writing or by phone call from the debt collector. I discovered the account on my credit report and had no opportunity to resolve the matter before suffering negative consequences of a collections account on my credit report. The debt collection agency has never contacted me to discuss this debt.
Consumer complaint received 2020-03-21
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. (CA)

XXXX XXXX XXXX XXXX open on XX/XX/XXXX  XXXX & And XXXX  XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report