davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (MD)

this loan was part of a bankruptcy 12 years ago. we stopped receiving any correspondence from the mortgage company concerning this debt. In XXXX we received a bill from Real Time Solutions for over {$150.00} dollars. Again, even this correspondence said it was for informational purposes only because of the bankruptcy and it was not an attempt to collect a debt. Last week, we were served with papers saying that this debt collector is filing for foreclosure. Our first trust mortage is up to date and we have been paying on it. we were blindsided with these foreclosure papers and the amount that it says we owe. the original loan was {$75000.00} dollars. Everything we have ever received said that it was not an attempt to collect any money and it was included in bankruptcy. I have read about these ghost mortgages and I need to know what I can do about this. I do not want to lose my house to a company that i feel is just trying to take advantage of the rising home values and has not made any attempt to reach us outside of sending foreclosure papers.
Consumer complaint received 2021-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I ( a natural person ) was issued a false debt that was furnished on my consumer credit report. I disputed this alleged debt directly with the debt collector and in its findings it was found that the alleged debt did not belong to me and was inaccurate. Furthermore, the debt collector, AARAGON COLLECTION AGENCY LLC provided my letter of deletion and a XXXX out balance which I have uploaded alongside with this complaint for the companys failure of. However, during the duration of this inaccuracy furnished on my consumer report has cause harm and damage. Why should I have suffered anxiety, loss, and a consumer report with a negative account that did not belong to me for the unlawful willing failure of. During this time I was depressed, overwhelmed with anxiety, and violated by AARGON COLLECTION AGENCY LLC. The furnished alleged debt on my consumer credit report violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy in consumer reports, infringed upon a consumers right to privacy, and no permissible purpose/no written instruction.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank is repeatedly mailing account opening bonus offers and not honoring them after fulfillment of terms by consumer. The terms are deceptive. The offer says the consumer should not have a checking account in last 12 months. But later on they are denying the bonus saying the consumer had a prior account 3-4 years ago. This has happened to me and 3 of my family members.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (NY)

Hello, My name is XXXX XXXX. Sterling complete a background check on for a job. One of the categories states I am categories as a level 1 XXXX XXXX from Nevada and Oregon. I NEVER repeat NEVER live at either one of these states. My email is XXXX to contact me, or phone number XXXX
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (IN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not recall ever having a legal obligation with this company nor do I believe one exists. Investigate the way PENTAGON FCU ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.
Consumer complaint received 2021-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc. (FL)

To remove debt XXXX/Sunbit open XX/XX/2019 owed XXXX XXXX/Sunbit open XX/XX/2019 owed XXXX, XXXXSunbit open XX/XX/2019 these are not my debt
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

There are several inquiries on my report that was put on without my permission Navy FCU, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Navy FCU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

XXXX removed this collection company off of my credit file. I have submitted investigation report to XXXX and to Experian showing the removal of this item from my XXXX report. XXXX XXXX is not the debt collector for this alleged account. The reason for removal is that XXXX XXXX XXXX did not have to legal authority from the original creditor to place this inaccurate information on my credit file. That is why XXXX removed this account. I have ask and sent supporting documentation to Experian and XXXX showing the collection has been removed. They both have sent back in less then 24 hours that the information has been verified through their quick investigation. I'm requesting Names, Written Contract and is the companies registered to collect a debt in the state of Maryland that has reached it's statue of limitation.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TN)

I have been paying on this debt since XX/XX/2023. The organization called the One Main Financial and they accepted the payment arrangement. I have been paying {$300.00} for 6 months. Therefore this balance is not valid as it appears on my credit report. 

I called and left several messages with the number provided in my credit report with no response.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (OH)

I transferred funds from my Discover Online checking account at about XXXX ; XXXX today, during a bank day today Friday XX/XX/XXXX and scheduled the transaction for today as well by end of business. The funds were removed from my account balance in the Online Banking app, leaving the remaining available balance. The external bank registered with Discover for the transfer never received the funds and upon calling Discover and having to ask for a supervisor, the refused to cancel or reverse the transaction claiming its the WEEKEND and it will take 4 to 7 BUSINESS DAYS before the transfer occurrs! This after receiving confirmation email from Discover at XXXX! ( during a BANK BUSINESS DAY, TODAY XX/XX/XXXX! ). The supervisor refused to cancel or reverse the transaction and refused to provide a mailing address, phone number or any other means if contacting their legal department, claiming they have no information and the transaction is being processed. I demanded my transaction be canceled and the account closed yet they refused to accept the fact that I did the transaction in the parameters of a normal bank business day. I want my money back as they are going to cause me to have a late mortgage payment! I have a XXXX XXXX XXXX to keep a roof over his head and I'm XXXX. They took my government XXXX XXXX  and are holding it without warrant.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I disputed a closed account with XXXX, XXXX and Equifax credit bureau. 

I also contacted the card company XXXX XXXX XXXX They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

XXXX and Equifax dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to XXXX and Equifax the last time I made a payment on the account is in XX/XX/XXXX. The account balance both XXXX and Equifax are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX XXXX. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe XXXX and Equifax never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer rights.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

Within 3 months, I received 3 different annual escrow statements instructing me to pay 3 different mortgage amounts On the XXXX of XX/XX/2021, I received an annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then on the XXXX of XX/XX/2021, I received another annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then again on the XXXX of XX/XX/2021, same year, I received a third annual Escrow disclosure statement, informing me that my payment will increase to {$2100.00}, beginning again on XX/XX/2021 Has it become a tri-annual Escrow disclosure statements?
Consumer complaint received 2021-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I paid fee to secure this personal loan, this is a told scam and I paid way and above what I should have paid, they keep hitting with all kind of fees, when I cancelled my loan request, they have not returned my fees, fee are in the amount of {$11000.00}.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We lost {$80000.00} to wire fraud as a direct result of negligence and malpractice exhibited by Bank of America. Our mortgage broker told us it was OK to send the remaining down payment to a fraudulent account before we even had a a clear to close. 

Furthermore, BOA was an obstacle in our attempt to recall funds. They refused to follow FBI protocol in submitting an LOI with a fraudulent wire recall. They labeled it as scam and not fraud. We have received no communications, assistance, or confirmations from BOA Saying that they will attempt to recall our funds. 

BOA refused to process our mortgage correctly and as a result we are at risk of losing our earnest deposit of $ XXXX as well. They can not get the application passed the underwriter and they can not provide any reasons for the delay. XXXX says it's because the underwriters are overworked and there is a shortage. We are past our closing date of contract. 

I will lose {$110000.00} of my own personal money because I chose to work with BOA lending. XXXX XXXX, XXXX XXXX, XXXX XXXX all refused to handle this correctly. 

BOFA ignored the norms of the industry they work in, they are negligent in their work and my assets were stolen from me as a result.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

I applied for and was approved for the Chase Sapphire Credit Card in XXXX of XXXX because of all the incredible perks. I loved working with Chase so much that I wanted to switch from XXXX  XXXX XXXX to Chase. I attempted to open to open a checking account and a savings account with Chase. Once opened I transferred {$2000.00} to these new accounts to try and start the process of changing banks. About 2 days later I went to login to my Chase account to confirm the transfer has been successfully made but I was locked out of the account and told to contact chase with the number provided. After speaking to 4 or 5 different reps we learned the accounts were being closed because of suspicious activity. We later learned someone had used my social security number and personal information to open an account with Chase is XXXX of XXXX. I filed an identity theft claim with Chase. Since learning this information I placed a fraud alert with all credit bureaus, and filed a police report. I was just exploring my XXXX profile and found another account that was opened with JP Morgan which I disputed through XXXX.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

Someone hacked me and theft my identity and used my information and stole {$20000.00} from my bank account by XXXX binance I reported it to my bank on XXXX XX/XX/2021 And made claim after 10days XXXX XXXX XXXX  told me you must contact with binance Now I tried to login binance to recover my funds but XXXX binance account is disabled and I lost my money Please assist me to recover my funds. 
My support ticket number is XXXX and XXXX There is no XXXX binance customer to respond me and solve my issue. 
My name is XXXX XXXX My email is XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1681b permissible purpose
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (WA)

I have recently viewed my credit report online, and discovered that on XX/XX/XXXX of 2021, Lendmark Financial Services XXXX, has caused a drop in my credit score by running a hard inquiry on my credit report. I have no business dealings with this entity and have not had dealings with them in the past. I did not give them permission to run my credit.
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (CA)

I've been receiving correspondence from Westlake Portfolio Management demanding repayment on a loan. 
This loan was discharged through a bankruptcy court XXXX of 2021 of this year. I've made several calls advising them of this but they continue with harassing letters.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have been a victim of Identity Theft and a Fraudulent Account has been opened in my name. I disputed with the creditor directly XXXX XXXX XXXX ) ; they opened an Investigation and found that the account was opened by fraudulent means. I was sent a letter ( Attached ) from XXXX concluding the investigation and providing the results. They stated that they ( XXXX ) will be notifying the bureaus of the Fraud and Deleting the fraudulent account. This was not done, so I took the letter that was sent and disputed the account via Experian. They still have the account listed as mine, even though it has been shown that XXXX is not holding me responsible. I have disputed this 3 times already with Experian, all to no avail.
Consumer complaint received 2021-10-02
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: EQUIFAX, INC. (NY)

Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer rights.
Consumer complaint received 2021-10-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (CA)

i am in the process of refinancing my loan to a lower interest rate. As a result, the loan will originate with XXXX XXXX XXXX, and my current loan with M & T Bank will be paid off. The payoff letter includes a late payment fee with a 0 day grace period. All of my statements have a 15 day grace period, and is also a requirement for VA loans. I can not get M & T bank to issue a new letter correcting the late fee. And, the title company must include the late fee in the payoff amount, as directed by the letter. I have called multiple times, as has XXXX XXXX to get the letter corrected. As of today, XX/XX/2021, ( letter is dated XX/XX/2021 ), i am unable to get a letter. Every representative I speak to, indicates that their 'system ' doesn't allow them to amend the letter. This is liken to a penalty for refinancing with a different company.
Consumer complaint received 2022-05-27
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. (SC)

we have sent letters to the company and to the credit bureau asking them to remove the negative items and they still wont handle the issues. the usps tracking numbers are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have repeatedly called and written XXXX and Experian about fraudulent inquiries on my credit report and they refused to address and or remove them. 

XXXX : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK. XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One on XX/XX/XXXX regarding a charge from XX/XX/XXXX on my card. The charge is from XXXX XXXX XXXX in XXXX Texas for {$90.00}. I did not make it charge and reported as such. capital one has now come back to me to say it was not fraud because they say my card was present at the transaction, I still asked for more information and they are unwilling to give it to me or give me a refund. I want to know the physical address where the purchase was made with an exact time of purchase. I do not see why capital one can not help me with this request but they refused - saying its not fraud because the card was present. I want a physical receipt with details. Did they even contact the merchant? Please help me get actual customer service. 
I live in California, not Texas, and did not leave my house that day.