davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (NY)

XXXX XXXX XXXX sent a background check from the company First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Advantage received an incomplete form XXXX XXXX XXXX XXXX XXXX  ) and requested that XXXX XXXX resubmit the form in order for the screening process to occur. XXXX XXXX resubmitted the form on XX/XX/XXXXXXXX XXXX First Advantage was contacted through their chat system and advised XXXX XXXX to resubmit form that was sent to him through email. It states within the background check that XXXX XXXX was contacted but there was no response. That is false. The required documentation was submitted on the same day said information was asked for.
Consumer complaint received 2020-04-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I WAS SCREWED OVER BY XXXX IN XX/XX/2019 WHEN MY MORTGAGE WAS TRANSFERRED OVER TO THESE XXXX. DURING THE TRANSFER I WAS TO START MY FIRST MODIFICATION PAYMENT EXCEPT THEY CANCELLED THE MODIFICATION IN XX/XX/2019 BECAUSE NO PAYMENT WASE RECEIVED. DURING A MODIFICATION THE HOLDER HAS 30 DAYS TO MAKE THE PAYMENT. WITH THAT SAID IT TOOK PHH 8 MONTHS TO APPROVE ME ONCE AGAIN FOR A MODIFICATION. 

I WAS APPROVED IN XX/XX/2019 ACCEPTED IN XX/XX/2019 AND FIRST PAYMENT TO START IN XX/XX/2019. I MADE 3 PAYMENTS XXXX, XXXX AND XXXX ON TIME, MAILED THEM IN WITH MY APPROVED TERMS EACH TIME. MY FIRST PAYMENT WAS APPLIED AND PHH TOOK MONEY THAT WAS SITTING IN SUSPENSE TO INCREASE THE PAYMENT. MY NEXT PAYMENT IN XXXX WAS PLACED IN SUSPENSE AND NEVER APPLIED TO THE MORTGAGE. MY THIRD PAYMENT IN XXXX WAS SHREDDED AND RETURNED TO ME STATING IT WAS NOT ENOUGH TO COVER WHAT WAS DUE. I SENT IN THE SAME AMOUNT EACH MONTH ALONG WITH WHAT PHH APPROVED ME FOR.

PHH IS A BUNCH OF XXXXXXXXXXXXXXXX  THAT HAVE INCOMPETENT PEOPLE THAT CAN'T OPEN AN ENVELOPE LOOK AT THE PAYMENT ALONG WITH A COPY OF THE APPROVAL AND APPLY THIS TO MY MODIFICATION. NOW TODAY A YEAR LATER PHH CANCELLED ME AGAIN NOT MY FAULT BUT THE FAULT OF PHH XXXX AND LEFT ME ONCE AGAIN WITHOUT A MODIFICATION. 

THEY DONT GIVE A XXXX  ABOUT RUINING THE LIVES OF AMERICANS AND MAKING YOU LOOK LIKE XXXX  IN FRONT OF THE INVESTORS. BE PREPARED FOR A XXXX  OF COMPLAINTS BECAUSE I AM 1,000 % TANKED AND CALLING YOUR CALL CENTER WILL NOT HELP. AGAIN MORE XXXX IN XXXX THAT CANT HELP AND IT TAKES HOURS TO SPEAK TO SOMEONE IN THE GOOD OLD USA OF AMERICA XXXX YOU WILL BE SORRY YOU XXXX ME OVER ONCE AGAIN
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I purchased an item on XXXX which is a mobile phone application for selling and buying various items. After purchasing, the seller canceled the purchase and raised the price due to them " realizing '' their item is worth more money than what I originally paid for. So since I originally paid for the item before the cancellation, the money was deducted from my Bank of America checking account. And I wasn't able to afford the new price because it would take a day before the money from the original purchase would be refunded to my bank account. So the seller encouraged me to send them money through XXXX, which is a money transferring service I can access through my Bank of America account. The seller offered me a lower price of {$550.00} which I could manage to pay until I received my refund for the original purchase. The seller has XXXX through Bank of America aswell. So i transfer the {$550.00} to the seller through an email that they provided me. Everything goes through and I receive an email confirmation from Bank of America stating that the transfer was successful. After the transfer, the seller responds by thanking me and giving me shipment details, hours later the seller forwards me an email from Bank of America stating that the email I sent the money to was removed from their account. So the seller says they can't see any money in their bank account. However, when I call Bank of America they confirm that the transfer was successful and was deposited into a Bank of America account under the same name and email as the seller. But the seller denies being able to see the funds in their account. On XX/XX/2020 I continue to work with the seller to try and find a solution, and they seem genuine and seem like they're trying to help, but whenever I suggest that we both get on the same call with Bank of America they always avoid the question and tell me to call and get it figured out on my end. So we don't make any progress on XXXX, XXXX 2020, and then on XX/XX/2020 I try to get in contact with them through email and they stop responding altogether, I also check their account on XXXX and they've re-posted the item, trying to sell it again. I've tried multiple times to get help from Bank of America but they say they can't do anything about it because I authorized the transfer. I opened a claim for them to basically call the owner of the bank account and ask them to release the funds but they may choose to keep them if they wish. So there really is no sure way to get my money back.
Consumer complaint received 2023-05-15
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. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed inquiries on my Transunion credit report. I did not apply for anything in 2022! Must be FRAUD!! I contacted the below creditors dealership to see if they had cameras and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

Please have these fraudulent unapproved inquiries below removed from my TransUnion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.
Consumer complaint received 2023-01-06
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. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2020-04-08
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX XXXX {$1000.00} XXXX XXXX {$1100.00}
Consumer complaint received 2020-04-08
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (GA)

On XX/XX/2023 around XXXX XXXX my XXXX and credit cards were pickpocketed. 
XXXX XXXX Police department case ID : XXXX I contacted my financial institution America First Credit Union shortly after I realized what had occurred around XX/XX/2023 around XXXX XXXX. 

Later that day around XXXX XXXX a XXXX  transaction for {$2500.00} was made from my stolen phone to another account. 

AFCU should have not allowed it to begin with because I reported my iphone stolen which should have indicated online banking was also compromised. 

AFCU XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On or about XX/XX/2018 a collect was open by a company called Porfolio Recovery Assoiciates gor the amount of {$410.00} that was fraudently opened in my name. I have disputed thus account with the credit bureaus and directly with the company numerous time and the account has not been deleted yet. This account is fraud and should not be on my credit file. This collection is hindering me from buying my 1st house which is a big deal to me and my family. I would like this account deleted asap.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

I was serviced at XXXX XXXX XXXX XXXX on XX/XX/2022. I got my bill ( {$150.00} ) and paid via my XXXX XXXX XXXX ( {$150.00} ) on XX/XX/2022. My insurance created a check on my behalf and sent it to XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX cashed the check on XX/XX/2022. I began to get letters in the mail that I owed them and after calling many times and complaining, they decided to send It to collections. The collections company the hospital sent it to : Medicredit. I have called medicredit 3 times and I have sent proof of payment and they said my dispute was denied and didn't give me a reason why. Then I called insurance to triple confirm the check and the dates cashed and it was correct and they told me there was nothing they can do and that XXXX was trying to pull a fast one. Then I called XXXX XXXX XXXX XXXX XXXX again and they said there was nothing I can do because they sent it to collection ... they said all I could do was nothing and to write another dispute and send it to have it as proof.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Hello, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. 

I pulled my report and it seems there is a collection report reporting OPEN and 120 days late. Well i have been doing research and i know this is impossible for a collection account to be late. i also know it is a violation of FTC. 

Please remove this account from my profile immediately. 
XXXX Credit Report Reference Number is XXXX
Consumer complaint received 2020-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bank refuses to let me apply for a mortgage claim theyve ended banking relationship with me but thats not what I was told I was told they ended the deposit relationship but that I can still have other products with this bank such as mortgage credit cards just no deposit such as checking accounts with them but I was shocked to have called them and they treated me awful telling me that I cant get anything
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (MA)

Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me.
Consumer complaint received 2020-04-08
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: CITIBANK, N.A. (MI)

Subject : Disputed Fraudulent Transactions- Citicards : XXXX {$89.00} and XXXX {$88.00} XXXX  Citicards very difficult to deal with - I purchased 2 products on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These were samples with no disclosure of any on-going orders or commitments. 

I then noticed that I was charged for two new / different products on XX/XX/XXXX ( XXXX XXXX XXXX {$88.00} ) and XX/XX/XXXX for ( XXXX XXXX   XXXX  {$89.00} ). 
Ive been a cardholder with Citicards since XXXX. I contacted Citicards online site to dispute these charges on XX/XX/XXXX since I did not order them, never received these products and did not commit to any obligation to an auto ship program. 

I believe these were fraudulent charges against my credit card likely from the same vendor. However, the Citicards online site to dispute these charges did not allow me to properly describe my complaint as a fraudulent charge for products never received. I did not believe I should be responsible for canceling an order I never placed and never received. 

Since I never ordered these or ever received these they can not provide any proof of delivery or a signature for the order or receipt. They just use the same card information that I provided to the original vendor / order. 
Im very frustrated that companies can use someones credit cards information and fraudulently bill people for additional products never ordered or ever shipped and CitiCards lets them get away with it.

Citicards is declining my dispute claiming I didnt cancel the order before the vendors auto ship deadline. I now have {$170.00} on my credit card and have spent significant time and effort trying to resolve this. 
Therefore, I need to raise this to someone who can thoroughly investigate and resolve this matter with Citicards. 

Vendor making fraudulent charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-05-15
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. (MO)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care and no ever response or responses receive, I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-31
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. (TN)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I am writing this due to non-compliance with COMENITY/VICTORIA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.