davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Integrity Funding Ohio, LLC (TX)

There is a collection account reporting to my credit report which lists Integrity Texas Funding as the original creditor of the account XXXX INTEGRITY TEXAS FUNDING LP XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within XXXX  days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (PA)

The mortgage company is denying me to solve my problem with them. They are not communciating with me or will they give the attorney any information on why they deny me, even after the attorney asked them for a reason, they would " NOT give the attorney a reason.
Consumer complaint received 2024-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (IA)

Back in XXXX I was contacted via text ( that did not identify me by name ) by ARC Management Group claiming that I needed to get in touch with them about a debt owed at a hospital I'd never been to. I contacted the local hospital 's parent company, and they had nothing on file for me and suggested this might be a scam. I submitted a CFPB complaint, but ARC Management responded that they used this complaint to update the address and email they had for " me '' in their files and would be sending future correspondence about this debt to me. They also said this was in regards to a specific patient, and they gave me his name. Doing a search for him online revealed he has been deceased for a couple of years, but his husband 's name is the same name as my father ( who has never lived in this town and has been married for over 40 years to my mother ). Sure enough, I started getting letters and emails from ARC addressed to this husband but with my email and home address on it. They even sent me detailed patient information about the deceased showing me which procedures he'd had done (! ) and what was owed and from when, despite me having no connection to either the deceased or his husband. Just today I got another large manila envelope addressed to the husband. I am worried their debt collection tactics will escalate and may affect me or my credit all because they failed to identify the correct person to pursue and used a legitimate CFPB complaint to double down on the wrong person.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (UT)

Through my wife and my joint account with Chase bank, we are being hit relentlessly with insufficient fund fees, which has caused mortgage payments to be missed and further late fees associated with paying our mortgage. We get charged by our mortgage company every day our mortgage is paid late. I paid a mortgage payment today and had to pay an extra {$100.00} for late fees with them. It is becoming increasingly hard to catch up as Chase continues to take {$34.00} insufficient fees out of our account, leaving us constantly overdrawn. 

In the first 10 days of XXXX already, Chase has taken out {$340.00} in insufficient fees ( see attached download from Chase bank joint checking account ) In XXXX, insufficient fees were {$2100.00} and in XXXX, {$1000.00}.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

XX/XX/2019 - {$72.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$180.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee I was charged a total of {$1000.00} in bank fees for unauthorized charges ; Regions moving funds from this account to another account when it would overdraw the account and applying bank fees for pending transactions that were never posted to the account.
Consumer complaint received 2022-12-27
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. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-27
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. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2018-03-05
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. (NJ)

XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.
Consumer complaint received 2020-01-13
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. (FL)

Experian reported on XX/XX/XXXX that my credit score, usually around 830 was negatively impacted by an unpaid XXXX account in the amount of {$770.00}. 
I live in Florida and I do not have a XXXX account. My son, XXXX did have a XXXX account ( now fully paid up and having a XXXX   balance ). Experian/XXXX  combined the account using my name too since my son and I share the same last name. 
I attach the last XXXX bill, showing that the account in question was always in my son 's name, and never in mine ( see below ). 
Experian did a shoddy investigation and refuses to acknowledge that I do not have a XXXX account and therefore can not be responsible for any adverse payment history. I was never contacted by a human being, nor asked to submit any additional information prior to the resultant incomplete credit score report of XX/XX/XXXX As my credit score was negatively impacted by false and improper reporting by Experian I need this false result removed and restoration of my excellent credit history.
Consumer complaint received 2024-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (OH)

First Credit Services tried to claim I owe a debt to them when I already paid that same debt with a different collection agency. I provide them the receipt of me paying that debt and they took that information and they still reported the debt on my XXXX credit report. I contract the original creditor ( XXXX XXXX ) to see who owns the debt and they told me they first credit services are not listed and they are continuing to harass me with calls/emails when they dont own this debt
Consumer complaint received 2020-01-09
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. (CA)

please find attached the XXXX XXXX letter received by me after requesting to have the derogatory marks to be removed due to their mistake. please have all the major credit reporting agencies update as never late and remove the derogatory marks from their reports. 
thank you
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2024 around XXXX I deposited XXXX $ into my account at a chase ATM the atm took longer then necessary and gave me a receipt that stated to verify you deposit went through, please call ( chase customer service number ). I called and he told me the my deposit did not go through and I would have to call in the morning to file a claim. On XX/XX/2024 I called and filed a claim about the ATM not depositing my money. Not even a full 48hrs later after being told it could take 10 days im being told they will not be crediting my account because whoever checks the ATM bank side is saying the ATM had no outages. I saw it with my own eyes when the ATM reloaded that it stated it would not be accepting deposits of any kind. How was there no outages. On top of that the customer service rep I spoke with said that he would reopen the claim and see if they can find extra funds in that ATM. Im sorry but why wasnt checking the ATM for extra funds not part of my original claim why did they not even bother to check and just decided not to credit my account.
Consumer complaint received 2023-02-12
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: HYUNDAI CAPITAL AMERICA (FL)

I came into the XXXX dealership looking for a car after seeing their estimated monthly payments for XXXX car being XXXX $ I decided to look elsewhere before I left they tried to convince me to sign a paper for a credit pull to get the actual numbers I refused, but I see they pulled my credit anyways without my consent on my credit report.
Consumer complaint received 2018-03-05
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. (NY)

I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
Consumer complaint received 2020-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

XX/XX/XXXX This is a response to your response to compliant # XXXX To our knowledge the land lease contract ended on XXXX XXXX XXXX ... Replaced by our mortgage agreement with you. 

If your claim that we do not have an FHA Loan why are we paying ( PMI/MIP ) Insurance in varying amounts from XXXX every month to XXXX a month? 
I spoke with a claim representative of yours this morning named XXXX, who claims that identifies the mortgage to be indeed be FHA ... 
If you are claiming that the taxes were paid why do the tax documents show something different> Doc attached If something other than an FHA Loan occurred after XXXX ! st it was done without our knowledge or consent. If you attempt to file foreclosure during th is process ... of discovery which is underway, while documents are collected It will be exposed ... 
You make false claims like when you claimed that I missed 2 years of mortgage payments on my credit report. 
You are charging us XXXX pr mon. for taxes and that equals XXXX on an XXXX a year tax bill,,, which is double..You claim we can not pay our own taxes because it is FHA yet now you are claiming it is not FHA ... In the meantime you could settle this amount on the taxes until the rest is sorted out. The tax document would not scan so I will fax them.. 
XXXX XXXX
Consumer complaint received 2020-01-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I filed a complaint to the CFPB regarding Chase Bank. I assumed the issue from XXXX was resolved but it is not. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX. Back in XXXX I had an XX/XX/XXXX loan with XXXX XXXX  who then sold the loan to EMC/Chase. Chase Bank has owned my mortgage for many years and in the Chapter XXXX Bankruptcy my second mortgage the was supposed to be dropped but unfortunately it has not. 

In XXXX Chase Bank put me in a 20 year 3.5 % balloon payment loan when we settled out of court back in XXXX to get me out of the terrible negative amortization loan I was once in. I knew that the 3.5 % interest balloon payment loan is not something I want to be in long term so I applied to refinance my loan into a 30 year fixed principle and interest and also use a Home Equity Line of Credit from the appraised value of my home. My Credit Score is a XXXX, I work as a XXXX/XXXX and everything I applied for was in my favor until the underwriters found out that Chase bank has never released the deed of trust of my second mortgage of {$57000.00} to XXXX County which should have been dropped at discharge of my chapter XXXX bankruptcy in XX/XX/XXXX. Therefore, Chase Bank has figured out another way to hinder my lifestyle and financial opportunities by not doing what they were obligated to in my Ch. XXXX Bankruptcy. 

Regards, XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My social security number was stolen from me to open accounts in my name fraudulently. The accounts that are opened in my name are XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX   that are inappropriately reporting to my credit file.
Consumer complaint received 2020-01-13
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 (NY)

To Whom It May Concern, Sir I am just writing you this letter letting you know how I feel this is not to trash any body but at the same time I don't to be unfairly treated either now when you purchase a product on the internet the vendor give you a 100 % money back guarantee with 14 days to 30 days for a refund for whatever reason if you don't like the product, And this is what I am complaining about also when you make a one time payment on a product you are entitled to that product for life meaning you should have access to that product Now in the case of XXXX  the two products that I bought one for {$490.00} and {$290.00} after a few  months they cut of access I have emails proof that I did tell them and I find that multiple times that I don't have access they keep saying that I do but when I check it is nothing that is why I went Capital one because I don't have the product and I don't have the money and all I wanted was access because I new that the 30 days had already past so if I don't have access GIVE ME BACK MY MONEY also XXXX XXXX was 14 days money back guarantee I should have gotten that refund but every time that I call or get a letter from them it is always the same thing also with the {$390.00} also they both were within the time frame for a refund but they would ask you did you cancel SIR ONCE YOU ASK FOR A REFUND THAT IS A CANCEL because it is a one time payment, if how ever you have a recurring payment THEN AND ONLY THEN YOU CANCEL but Capital one keep asking for proof of cancellation and also bring in a second opinion I did but they rejected it they wanted it with a letter head when I did get a letter with a letter head they said that the time has pass and there can not do nothing for it Sir my point is I BOUGHT THESE PRODUCT WITH A 100 % money back Guarantee and I was within the time period why did Capital One make me LOSS all my money on CRAP when the Vendor Had A 100 % Money back GUARANTEE if you the Customer Did not like the produce for any reason SIR I WOULD LIKE TO KNOW MY RIGHT ON THIS Because Capital One Is Making The 100 % money back Guarantee None and Void THIS IS MY COMPLAIN BY right I should have gotten back my money because I file before the expiration date that should be a simple thing I WANT MY MONEY BACK CAPITAL ONE IS GIVING VENDORS MY MONEY AND THEN I STILL HAVE TO PAY THEM BACK IS THAT FAIR I HAVE A LEGAL RIGHT TO A REFUND
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I had a fraud incident in XXXX of 2022. The Discover fraud was immediately investigated and the case has been closed with the funds refunded. There is no mention of fraud being reported, investigated, or closed anywhere on my account. I have attempted to get Discover to email or send me a letter saying I reported fraud for over an week and they are refusing to. I need this letter for the police and Discover is refusing to provide it. The only records I have is my statement showing initial purchase and later refund with no mention of fraud which the police have told me does not suffice.
Consumer complaint received 2018-03-05
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. (MA)

I am writing to request that Equifax update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). For some reason your company came back, on XXXX XXXX and reported that a paid closed account was 90 days late as of XX/XX/XXXX. How can an account that was paid in full as of XX/XX/XXXX be 90 days late as of XX/XX/XXXX? That is both negligent and impossible. This negligence has caused my credit score to drop dramatically, as it looks like I have a recent late when in fact I DO NOT. I contacted XXXX in order to conduct my own investigation. Attached, you will find a letter that clearly states that the account is closed and that ALL inaccurate delinquent reporting has been removed, and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct.