davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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: ROBINHOOD MARKETS INC. (PA)

On XX/XX/XXXX my Robinhood debit card was stolen. I promptly reported the card as being stolen to the company. However XXXX charges of worth {$270.00} and {$780.00} had already appeared on my statement. Those charges were not authorized by me. However I have not received any answer from the company despite emailing them about this twice over the last week. It's been a week and I have received no response from the company about those unauthorized charges.
Consumer complaint received 2018-10-04
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: EQUIFAX, INC. (TX)

Hard Credit Inquiries on my Equifax and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met EQUIFAX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. Equifax and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX  and Equifax to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND EQUIFAX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX   AND EQUIFAX
Consumer complaint received 2020-03-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

The senior loan officer assigned to my refinance leaves much to be desired regarding his professionalism and customer service. When I ask him to give me a call because we are not aligning on a request that he's made where I think it's duplicate because I've furnished everything as he requested, he refuses to call. When I ask to withdraw my loan because I don't feel as Carrington Mortgage wants or values my business, he replies with 'It 's up to you, let me know ', confirming my suspicions. I feel that I have to chase him down to get this loan to close and I've already had my credit pulled and paid for the appraisal.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I just sent a complaint 6 days ago due to this collection company harassing me and violating my credit report on a monthly basis with inaccurate information and duplicates. They stated they would close it but instead added a new one onto my report, also, it shows 2 collections for the same exact thing. It's fraudulent. I do not owe any debt to this company. They have violated FCRA and SCRA and FDCPA on multiple instances.
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

My home was damaged by XXXX XXXX on XX/XX/2022. During and XXXX  months before XXXX I was unemployed. Even when unemployed I was making my mortgage payments. This XXXX and being unemployed devastated me financially. I applied for XXXX  months mortgage payment relief from my mortgage lender PNC bank. I was denied. They said they will foreclose on my house if I don't make the XXXX  months back payment. the estimated price to due my home repairs from the disaster is {$XXXX}. I had to make the difficult decision on using my insurance money meant to do repairs to my home to pay the mortgage so I won't lose my home. I spoke and provided all documents asked of me to PNC bank and they did not help me at all for the XXXX  months relief. Even when making the payment with the insurance money they dropped my credit XXXX points.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

CREDIT MANAGEMENT LP I reached out to the organization and here are some key points : Outgoing call XXXX min XXXX sec, XXXX minutes XXXX seconds Wed, XX/XX/2023, XXXX XXXX PT The reason I reached out to them was due to an alarming email sent to me. XXXX sent a note with a subject line : Your credit file has been updated. 

The body of the text read " Credit file inquiry There has been a change to your XXXX credit file : Investigating the change devasted me doubly because the claim by CMLP is that I owe money in excess of {$300.00}. But, secondly, there is no basis for their claim Still yet, they know issues abound concerning the debt exist yet insist on not removing it nonetheless. 

Lets, slow down and firstly describe what I saw before I called. Below is the entire information available to me before I called and ill allow you to parse through it while I hit the main point. 

Allegedly, they claim an account belonging to me exists. It had one opportunity to pay a sum of {$300.00}. This opportunity did not get taken. So they excitingly tried to bully me for money that doesn't belong to them. 

Here is how I know that for sure. For one, there is no record of billing. Thats correct, not once has a bill from CMLP been sent to me before they declared I owed them a sum. 

On the phone call, the person rudely refused to budge when she knew the attempt to be fraudulent. 
( 1 ) I know this because the birthday of mine differs from the one on the account they are collecing.

( 2 ) The account numbers differ. That is I do have a charter communications account but i can easily show that I am in good standing and owe nothing. More to the point i am using their internet service to write this message. And any cell phone communication you have with me will be through them so it is i impossible that I could be in bad standing. 

( 3 ) The billing address she has on file is some place I never hear of and it had a name so laughable she couldn't contain herself. XXXX XXXX is the address and the state is Illinois. Although I lived in Illinois for the first 9 years of my life this was before the turn of the millenium and i was a child when i left. 

In short, there is not a way or even a theory that could connect me to this account and through obvious malpractice they are attempting to pin it on me. 

Balance details 0 % paid off Balance {$320.00} Balance updated XX/XX/2023 Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$320.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name CREDIT MANAGEMENT LP Address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of fraud and I noticed there were some accounts that don't belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.these are the current accounts that do not belong to me and needs to be deleted-XXXX   XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  XXXX   XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX,
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (TX)

Account is showing incorrect balance and I have been requesting my payment history to show what is being reported. Company is not providing that information. Reporting inaccurate balance is fraudulent and should be removed. Please provide records of my payments made on account. I dont owe the balance being reported.
Consumer complaint received 2024-01-31
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: Self Financial Inc. (CA)

I never open XXXX XXXX or XXXX XXXXXXXX credit cards or SBNASELFND  .... nor XXXX XXXX I need these removed from my credit asap.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (IL)

My prior mortgage servicer is holding my escrow balance for an unacceptably long period of time. 
I refinanced my home and closed at the end of XXXX, XXXX ( the loan that was paid off was account # XXXX serviced by Ally Bank ) and am owed an escrow refund of {$5600.00}. 

On XX/XX/XXXX, I contacted Ally by email and asked " I have not received my escrow balance reimbursement from my loan that was paid off in XXXX Why can you not transfer the funds electronically ( you certainly received prompt payments electronically )? If you can not ( which I find hard to believe ), when and how should I expect to receive these funds? '' They responded : " A request to have the check stopped and another reissued to you has been submitted. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. '' I did not ask for a check to be re-issued and they failed to address my question, they but introduced additional delays. 

I continue to wait for my {$5600.00} since XXXX. I called their service center 2 days ago and was told to continue to wait. I believe this wait for my funds is excessive and would appreciate any intervention into their unacceptable delays and unprofessional practices ( including being evasive and holding owed funds for, literally, months ).
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (MD)

Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. 
I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 I dropped off a form SSA-2458 at my local Chase branch, as directed by the bank 's reclamation team. While the reclamation team assured me that the branch would know where to send the form ( the ACH area of the Reclamation Department ). That was not true as the branch staff ( including the branch manager ) had no clue what to do with the form The morning of XX/XX/XXXX, I received a voicemail from the branch indicating that they figured where the form should go and scanned in the document to " the right people ''. 

After two business days, I have not heard anything further on the status of the hold in the amount of {$1500.00}
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After filing online disputes, and calling the Trans Union customer service number to notify them that I was a victim of their agency 's inquiry issues, like many others that had been victimized due to the same issue. 
The rep would not offer to assist in correcting the long list of 40 erroneous inquiries on my credit report.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (SC)

From XXXX, I tried to buy a condo for a primary residence that currently has a tenant contracted with the current owner. I wanted to move in as soon as possible but I was told that I can't until XXXX because the contract with the tenant will be over this XXXX. 

I have told the mortgage company about this situation since thebeginning. They approved my loan and I provided all the documents they requested and even have signed the disclosure. In addition, I have paid all the money that I needed for processing. 

My closing was supposed to be last Thursday, XXXX XXXX. I have paid for everything and I was ready for closing. But, the company said they can't process my mortgage any more and have to cancel it because I won't be able to move in 2 months. They said I will get a rent from the tenant until I move in and the home purchase can not be a primary residence but an investment. 

However, I fully informed the mortgage company of this from the start. They said there was a miscommunication becausethey had to change my mortgage processer in the middle for whatever reason. They even admitted their fault. 

However, I still got cancelled and haven't gotten any compensation for any of the financial damage.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MD)

A XXXX collection is showing up on my credit report. I don't have a XXXX  account. I have had the same phone number for over 20 years. My current phone carrier is XXXX XXXX and before that it was XXXX
Consumer complaint received 2023-06-09
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. (TX)

In accordance with The Fair Credit Reporting Act Total Visa, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX XXXX XXXX  I applied to a job that sent me a check only to find out the job was spam upon trying to cash a check that was received from the company to purchase equipment to work. Upon being advised Id cashed a fake check I acknowledged to the bank XXXX that I was not aware the check was fraudulent until theyd notified me. Around the time of applying for jobs and receiving the fraudulent check my identity had been compromised. I made law enforcement aware of this and was advised to make a police report. Id placed a block on all of my personal information and credit. As of XX/XX/XXXX, Midland contacted everyone I can think of that I may know personally as well as people I dont know whatsoever to make them aware of this supposed debt that is owed. Midland stated I have a debt of roughly XXXX XXXX owed to XXXX separate companies, XXXX that I am unaware of aside from XXXX XXXX Midland threatened to garnish wages as well as provide a claim to a previous home address of mine and stated if the attempt to receive confirmation of my ID & /or signature were not obtained Id be forfeiting all possible options of a settlement. I do not agree with the settlement and therefore I am not going to pay on the settlement whatsoever. I also dont feel comfortable to verify any of my current information as Midland is very aggressive and rude with their employees as well as supposed couriers they use.
Consumer complaint received 2023-02-05
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. (FL)

On XX/XX/2022, I sent a letter certified tracking number # XXXX and # XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

On XX/XX/20 my sister sent me {$5000.00} through a domestic online wire transfer through XXXX XXXX. I use PNC bank and they say they have no record of the transfer and the money has now left her account and is not in mine. There is {$5000.00} just missing. XXXX XXXX is claiming the problem is with PNC and PNC is claiming the problem lies with XXXX.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I had a credit card from XXXXXXXX XXXX  and my consumer rights were violated under the Privacy Act. XXXXXXXX XXXX  discloses that they do not share customer information with non-affiliated third parties, but they shared account information, my personal information, and transaction history. Per 15 USC 6802 ( b ) 1 ( B ) and ( C ) : B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I affirm that I was never provided the opportunity to opt out nor was I given any explanation of how to exercise these consumer rights and this has directly disabled my ability to access credit and resources. The evidence shows that they at least provided information to Equifax and XXXX who are not affiliates of XXXXXXXX XXXX XXXX