davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/2019 I called Chase to report fraud in my checking account. Large sums of money were being deposited into my account and then being removed from it via XXXX XXXX. They informed me that they would close the account and then that they wanted to " terminate our relationship '' and said I could no longer bank with Chase. 
I found that to be ridiculous unless they assumed I was guilty of the fraud ( if so, why would I report it..? ) so I went to my local Chase branch and spoke with the manager about it. He agreed it was ridiculous and we sat together on the phone with corporate for over 2 hours until they finally agreed to open me up another checking account. 
Fast forward 2/maybe 3 weeks ( the week of XXXX ) and all of a sudden I can not log into my online checking app. I called Chase and was informed that after a final review, they are ( again ) terminating my relationship with the bank and I am no longer welcome to use Chase. I once again went to my local Chase branch only to be told there's nothing they can do, and that they are allowed to withhold my funds until their review is through. They are also not disclosing why my account was closed and " reserve the right to not have a reason ''. So I have no access to any of my past paychecks nor do I know when/if I will ever get that money back.
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MO)

Original creditor was XXXX who attempted to charge us for a months worth of service that was never provided as the service was terminated due to poor service from the company and moved to a new provider. 

XXXX had sent a final bill over a month after leaving them claiming we owed them for a full months worth of service that was never provided. They then claimed we agreed to be billed for a full month even if cancelled. I asked them to provide me with such a signed agreement and to date XXXX has been unable to provide any proof other than bills issued after that date showing the balance. 

XXXX then sold the debt to Diversified Consultants who attempted to place this bad debt on our credit report. Both agencies removed it immediately. Then they either reposted it using Diversified Adjustments ( which is likely the same company ) or sold it and was reposted by this new agency. It was again immediately removed from my credit report.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (DE)

An amount has been recorded as in collection which is not mine. The amount of {$770.00} is shown as my debt to XXXX that is in collection as of XX/XX/2023. I have tried to correct this online without success. In the meantime, my credit score has been lowered to reflect a delinquent account. This is negatively effecting my ability to get loans.
Consumer complaint received 2019-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My mortgage was transferred from Ocwen Mortgage to PHH Mortgage. Since the transfer I have experienced so many issues. I was set up on a payment plan. I acquired an additional job so I can make the payments. When I sent in the XXXX payment due XX/XX/2019, I was told that they did not receive it. I have called every other day to find out how this issue can be resolved. I was told to send a copy of the receipt of the money orders. I emailed, faxed, and certified returned receipt the receipt. I called and called and was told it was not received. A few days later, I received a letter that an investigation was conducted and they could not find the payment. I called back 4 times a week, finally I was told that I needed to request a copy of the money orders. However, not any representative told me this and if this information was provided, this problem could have been resolved before it went to foreclosure. If fact, i was told that my house would not go into foreclosure because I had contacted them. In XXXX I sent the XXXX payment. 10 days later, I received the money back. When I called I was again told that my situation would be researched. It wasnt until I stated sending certified letters that I received two letter stating the situation was being investigated. When I received my statement in XXXX I contacted PHH to verify the amount I needed to send. It was then that I was told that it was in foreclosure. All I want to do is to pay the amount due so I can move on. They have already messed up my credit because my daughter 's student loan to complete this semester of schooling was due and now my daughter can not receive her grades and will have a hard time paying the balance due so she can return to college. I am a XXXX  Veteran suffering with several illness. This situation has really affected me both physically and mentally. For, the past week I have contacted them requesting a new payment plan and/or the amount that is due. I have not received any information. In fact, when I called on Wednesday I was told that they do not have any record of my loan after I provided them with my address and my social security number. I need some answers and some help asap. I do not want to be added to the veterans homeless populations and I don't want my daughter to be a part of this culture. I contacted the Texas Regional Assistance with Delinquent Home Loans regional office representative, only to get talk to like a child. The only advice I was given is to contact your mortgage company. I have been on hold for up to 2 hours only to get a representative that transferred my call to at least 4 people and offering no advice to solve the problem. I either want to pay what I owe or be put on a plan if the fees are beyond what I can afford. I am waiting to receive a copy of the signed money orders so I can determine if in fact someone from PHH cashed them. I have verified that they have been cashed. Please tell me what I need to do to solve this issue. Its holiday time and I am aspirate to find a soluation.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Hello my name is XXXX XXXX and I am a Fifth Third Bank customer inquiring on overdraft fees that have put me in further financial trouble and would like to seek help and further information in regards to these ridiculously high fees and how to get reimbursed! If someone could help me resolve this ongoing issue I would greatly appreciate the help as these fees have put me in a financial hardship and I cant get caught back up since {$190.00} worth of fees have been deducted from my checking account ( # XXXX ) within a 3 week period since the mobile check deposit feature keeps getting diasabled not allowing me to deposit money as Im 30 min away from the nearest Fifth Bank Location making it difficult to deposit funds directly into my account at the nearest branch!! Feel free to reach me by phone : mobile # XXXX! 



Thank you, XXXX XXXX Last 4 of social : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

Property Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Loan Number : XXXX XXXX mortgage subserviced by LoanCare Account shows 6 months of unpaid mortgage ( XXXX XXXX ) LoanCare confirmed that autopayment was successfully set up on the site with correct banking information. 
o Per Loancare, because of a timing issue, the autopayment never took, however : The site allowed me to set up automatic payments The site never stated or warned that although autopayments were successfully set up, they would not go through. 
I found out my mortgage was sent to foreclosure only when I contacted LoanCare on Monday, XX/XX/XXXX. The situation above was discussed and I was told I would hear back no later than Thursday, XX/XX/XXXX. I did not hear back. 

I have no problem paying the full amount owed immediately. My primary concern is that because of a website error, my XXXX credit has now been destroyed. I would need the credit delinquencies and/or any other issues removed and restored and if not, will unfortunately be required to hire an attorney and escalate legally both a ) resolving the mortgage payments and credit impacts and b ) how a confirmed website glitch caused financial and emotional hardships.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a VICTIM of off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of the mis-announcing/ mis-information affidavit is to declare my direction that you, as regulated, produce physically counters fer federal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception of INACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus my utilzation of this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

To Whom It May Concern : I would like some help if I can get it. The service company I have for my mortgage is Nationstar Mortgage/AKA MR. Cooper Account Number XXXX. I have owned this home since XXXX. In which several banks and services companies have taken it over. I previously got behind in the mortgage in the amount of XXXX. I fell in the arrears because the occupants caused several thousands of dollars to my home including replacing the heat and air system. Plus several medical bills as I am a XXXX XXXX veteran exposure to XXXX  XXXX  and doing the best I can to solve all these problems. 
I sent Mr. Cooper XXXX In XX/XX/XXXX which I was sending another XXXX by they end of this week. Which brings me up to date with the mortgage. Mr Cooper advises that they will not except the payment even though they have already process the first XXXX and will not return it so I can't pay the full amount of XXXX. to bring the loan current. Instead they have sent it to an ATTY. XXXX XXXX in XXXX Georgia. inturn they are keeping my first XXXX and I can't pay the XXXX if they do not sent it back so I can sent them the full payment of XXXX If you research you will find hundreds of complaints filed against this company, along with a few government law suits against this company. This company is corrupt as the day is long I can't afford to loose my home as it has XXXX in equity will be used to get my kids through college Can you please help Regards XXXX XXXX XXXX XXXX XXXX XXXX Home Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

Credence Resource Management , LLC Has been reported several times in regards to a matter with XXXX XXXX XXXX. I have reported them to you all and the credit bureaus. I have proof of everything. They have attempted to use a bill while I have payment receipts, emails of cancellation date, texts from the company. They have now emailed me without me giving them my email and permission. Ive stated to them several times in complaints that communication is to be through mail. Im shocked they would send an email after being reported. They randomly called me the first time asking information then lied about me refusing. Their tactics are very unprofessional and unethical. If they continue an attorney will be contacted because I have proof of requesting mailed communication and that theyre not abiding by this. There is also proof theyre attempting to collect {$540.00} which isnt owed.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 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 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

ARS ACCOUNT RESOLUTION - {$250.00} I called ARS and they could not provide me with a copy of the bill in question or what services were given. I do feel that this is my deceased fathers debt, as we have the same name.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I opened citi bank account on XXXX XXXX after seeing there promotion for {$400.00} bonus when you transfer {$15000.00} in new money to citi with in 30 days. 

i was requested evidence such as social security, utility bill etc to approve account. my account was under review. I sent those within couple of days. Also i made a XXXX funds transfer request same day i opened account through their account opening online process which was never went through because my account was not approved in timely manner. 

I had to call multiple times and check when my account will be approved and was always told it is approved by back office. we can send them a request to expedite it. Also i was always told by rep that this period won't affect my bonus. 

Finally it was approved on XX/XX/XXXX when i got welcome email from citi after 43 days. Now i have transferred XXXX but m being told by citi rep and supervisors that m not eligible for this because its over 30 days. My account was not even approved for 30 days so how can i fund it when it was not approved and i don't even have my account number.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Creditors Bureau Associates (AL)

This company is violating several XXXX laws. I sent them a notice asking for the documents of how I owe them any money but they are refusing to send me anything. If anyone shared with them any thing about me going to a hospital that is also against the law.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is false and misleading debt. I never attended XXXX University in 2018. And any from a university was paid from financial aid. Failure to remove debt, will result in a law suit. 

Company name is XXXX 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 — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Equifax and XXXX reporting inaccurate and information about my bankruptcy. I respectfully request the CFPB to : Conduct a thorough investigation into the practices of Equifax and XXXX, particularly focusing on how they obtained and reported my bankruptcy information without it being furnished by the State of Virginia, in clear violation of FCRA guidelines. 
Compel Equifax and XXXX to immediately correct the inaccurate bankruptcy information on my credit report, to comply with all applicable laws and regulations, and to take necessary actions to prevent such incidents in the future. 
Provide guidance or assistance to me regarding any further actions I should take to rectify this situation, protect my rights, and ensure such inaccuracies do not recur. 

I have a letter from the state of Virginia stating they did not furnish my bankruptcy to the CRA 's Equifax and XXXX. 
Given the significant discrepancies in the reporting of my credit information, with XXXX not reporting the bankruptcy which Equifax and XXXX have inaccurately listed, I request the following actions to be taken immediately. 

Delete the bankruptcy from my credit report and file.
Consumer complaint received 2023-01-16
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (NC)

Regional Management is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted Regional Management when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX and remove the accounts that are being reported in my credit report. I am needing your help because the company reporting this is not helping me out. Carrying out the investigation took more than 30 days!
Consumer complaint received 2023-01-16
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: Adler Wallach & Associates, Inc. (CA)

In accordance to the fair credit reporting act XXXX account number XXXX has violated my rights. 15 U.S.C 1681 Section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A section 2. A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-23
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. (VA)

My consumer report was improperly used without my consent ; I did not give consent for the negative items to report to credit reporting agencies, nor did I receive disclosures with the opportunity to opt out of having my nonpersonal information shared.
Consumer complaint received 2019-12-20
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. (MA)

I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.