davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit Management is in violation with a collection account amount increase. No collection accounts amount owed can increase. This has happened several times. Ive reported this on several occasions. Every time I report on this collection account. The collection amount increases on XXXX Credit Report. This account was removed on XXXX and XXXX Credit Reports. I have a recent complaint about this account. Now, a few days later. This collection account on XXXX Credit report. Has increased again. I know a collection accounts amount can never increase. This is a clear violation of FCRA. Why hasnt the CFPB? Done something about these clear violations by Midland Credit Management?
Consumer complaint received 2020-08-17
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. (CA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}
Consumer complaint received 2020-08-17
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. (CA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

Eppicard denied a dispute in the amount of {$7300.00} on my account without telling me the reason. My account was hacked on XX/XX/2020. I received an email notification at XXXX on XX/XX/2020 that my pin had been changed. I called to check the status of this alert and discovered my debit card had been fraudulently used to withdraw {$7300.00} from six different transactions in Maryland. I called Eppi Customer Service around XXXX to report this suspicious activity and close my debit card. I have not used my debit card since XX/XX/XXXX ( XXXX ) at XXXX XXXX. My PA Eppi debit card was in my wallet the entire time during these fraudulent withdrawals and still in my possession. 

I immediately opened a police report on XX/XX/2020 with the Police Department reporting the theft of my money. 


In my Eppicard Agreement it states : Your Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or your PIN has been compromised or you believe a transaction has been made without your permission using information from your Card account. Contacting us by telephone at the number listed on the back of your card, is the best way to minimize your possible losses. Or write us at Customer Account Services, XXXX. XXXX XXXX, XXXX XXXX, Texas XXXX as soon as you can. You could lose all the money in your Card account. If you tell us within two ( 2 ) business days, after you learn of the loss or theft of your Card or PIN you can lose no more than {$50.00} if someone used your Card or PIN without your permission. If you do not tell us within two ( 2 ) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as {$500.00}. 

My card was compromised on XX/XX/2020 and I called the Customer Service the same day XX/XX/2020 to report my card being used fraudulently and my card was closed and another issued. I also opened a police report on XX/XX/2020 reporting this theft. 


Also, there is a daily limit of {$500.00} but somehow someone was able to take {$7000.00} in two hours. 

This is really looking like an inside job and a disgrace that government agencies are trusting Eppicard/XXXX XXXX.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Consumer Asset Management (Texas) (OH)

keep getting phones calls and they change numbers all the time,. XXXX, this is not a solicitation call this is the final attempt to offer you an opportunity to prevent court filing a tax you name if you like to speak to one of representative to discuss your case please call. 

please make them stop, call all the time and call family and work. and tell them about it. I am stressing about this and it is embossing. Said I owe XXXX XXXX money and I called them and i do not.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union Has old and outdated info on my report. I can not call them as they do NOT answer telephone. I want my CREDIT REPORT UPDATED ... .. 2x I have requested.
Consumer complaint received 2023-06-09
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

Hello, I opened an account with First Citizens Bank through a promotional offer that was advertised to me. The promotional offer was : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 2 ) Enroll in eStatements. 3 ) Open a new savings account. 

I opened the account on XX/XX/2020. I enrolled in eStatements, and opened a new savings account at the same time. I completed the 10 debit card transactions on XX/XX/2020, which was within 90 days of account opening. 

Per the terms of the bonus, the bonus should be paid within 120 days of completing the requirements, which I completed on XX/XX/2020. It has now been 120 days and there is still no {$300.00} bonus to my account. 

Thank you for your help! 

XXXX XXXX
Consumer complaint received 2020-08-17
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. (PA)

I moved out of my apartment at XXXX at XXXX XXXX in 2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all XXXX of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

XXXX XXXX XXXX XXXX XXXX as Trustee Under Pooling & Servicing Agreement bought my mortgage, which was sold to HomeQ, then Ocwen and then to PHH Mortgage. Ocwen Loan # XXXX, HomeQ  Loan # XXXX, Property Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XX/XX/XXXX ). 

I obtained a HAMP modification with HomeQ Servicing on XX/XX/XXXX. At the time of my modification the new principal balance was {$200000.00}. When the loan was transferred to Ocwen they  added deferred principal of {$83000.00} and extended the loan from 30 years to 44 years. Bottomline, since I have been paying on this loan ( XXXX to today - 14 years ), my principal balance is showing {$250000.00}, when the original loan amount was {$270000.00}. This means that with 168 payments ( over 14 years ) of approximately {$1200.00} ( each month ) = {$210000.00} paid, PHH Mortgage is saying I only paid down {$22000.00} from the principal. This does not make any sense. I need to see the entire amortization schedules from the onset of this loan. 

Please help me investigate this. Thank you. XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-08-17
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. (CA)

XXXX XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, transunion and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.
Consumer complaint received 2020-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

I went in on the XX/XX/2019 and paid the loan, signed a piece of paper, got handed a piece of paper and walked out the door.. Now I am trying to get a loan from a real company and I am not able to get it due to {$57.00} that they are claiming I never paid.. Now why am I going to go in there and pay another {$57.00} if I already paid it once.. Yes almost a year later they expect me to still have the receipt and of course I dont so I am being told to go back in and pay again.. What is wrong with this picture and when can I be able to get a loan I really need and what did they clerk do with my money???
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Northern Trust Company, The (FL)

Northern Trust Bank resigned as Trustee of my trust over a year ago in XX/XX/XXXX. Since then I have been looking for a successor trustee who meets all the qualifications stated in Trust. I have now found one, XXXX, who meets the standards in the trust to be the successor trustee. The trust document states on page 11, Article VII, that the trust can be moved by a majority of the grantor 's and grantor 's spouse living children, of which there are five. I have three of the five required signatures, which constitute the majority ( see attached trust document ). Yet on XX/XX/XXXX I received a letter from the trust administrator, XXXX XXXX, stating they will not honor the wording of the trust, but rather had made-up their own " standard '' which consisted of me getting all five signatures. THIS " standard '' IS NOT STATED ANYWHERE IN THE TRUST DOCUMENT. I have not had a trustee in over a year and they are blocking me from transferring my trust by not complying with the trust document and adding their own made-up standards. This is malicious conduct in bad faith. XXXX XXXX even admits it in his letter to me ( attached ). He admits I am right about what the trust states, but said they are choosing to apply their own made-up standard for transferring it rather than complying with the letter of the trust document.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

I was a loyal customer of XXXX XXXX for many years, i never one time was offered any promotions or upgrades on equipment. I called them to see if there was anyway i could get new equipment since the old equipment that i originally had was old and wasn't working properly. one of there representatives transferred me to their supervisor to assist me. the supervisor then told me that i qualified for an upgrade, and that they would send me new equipment and a tech out to hook it up. After a month of having the new equipment i received a outstanding bill for the upgrades that XXXX XXXX supervisor didn't make me aware of or discussed. i also found out that they started a new contract that i never agreed to. When i called to discussed theses matters they kept giving me the run around about my issues, telling me that they would have a someone reach out to take care of the problem but never did. i also made them aware that i was on new contract that i never gave authorization to. I tried reaching out to XXXX XXXX on multiple occasions but fell short with talking to someone that could help. After months turned into years after not speaking with anyone or resolving the issue i then get notification on my credit report that XXXX XXXX sold my bill to a debt collector. the amount of money that they are claiming is unfair and inaccurate.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.
Consumer complaint received 2023-06-20
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: GOLDMAN SACHS BANK USA (CA)

On Saturday XXXX, I purchased a XXXX XXXX computer at the Apple Store located at XXXX XXXX XXXX, XXXX, CA XXXX in the amount of XXXX utilizing the installment plan utilizing my Apple Card through Goldman Sachs Bank. 

On Sunday XXXX, I visited the Apple Store located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided the store with my older XXXX computer in which the employees stated that I would receive a credit of XXXX dollars that would be applied to my remaining balance of the computer I purchased the day prior in XXXX. 

Yesterday, XXXX, I received a refund of XXXX that was placed back on my Apple credit card, instead of being applied to my remaining balance of XXXX. After paying now an already owed balance for other purchases on my Apple Card, I no have a +balance of XXXX. 

I contacted Goldman Sachs and Apple requesting that the positive balance can not be applied to my current purchase of XXXX as initially told. 

I am requesting that my positive balance be placed in my bank account, or, applied to the remaining balance of XXXX. 

Thank you.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Paid the auto loan off entirely in XXXX. Never heard from 53rd until I checked their site and saw a {$150.00} payoff fee in the description. Was 53rd just going to hold my title forever unless I called in?? I paid the {$150.00} fee on XX/XX/20, a week went by still no word or activity on my account. Called and after a 20 minute hold was told I had to wait 10 days. I have a buyer and trying to sell this car this week and 53rd is holding my title hostage. Escalated to a manager and was told there is nothing they can do. So they make you pay this {$150.00} fee three months after the loan balance was paid in full which is terrible, then make you wait longer and jump through hoops just to get the title. This is the second CFPB case I have had to open with 53rd in the past year. They are difficult to work with and do not care about their customers.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (NJ)

I submitted a dispute to Equifax and XXXX  on XX/XX/2020 and I still haven't heard back from any of them. It's been way over 30 days and I demand for the accounts listed on my dispute letter to be deleted.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bread Financial Holdings, Inc. (GA)

Wayfair is an extremely unprofessional company, even though they are all over the media drawing consumer in their dark web, like me. I order a California King Size Bed, A Corner Desk and A Chest of Drawer for this company. When I found a professional to assemble my bed, he and I discovered I was sent the wrong size bed, I verified my order details and it clearly state California King Size. I purchase new mattresses ( California King size ) they hang off the mattress by 2 feet on the side at least. Bed appears to be a Queen. When I called them yesterday the Customer Service Representative was apparently not having a good day. He argued with me they sent what was order, and I was XXXX  and did not know what a California King size bed is. I said " sir I currently have a California King size bed ''. I ask him to send someone to break down the bed and send back and credit my checking account as it is not my fault the company sent the wrong size bed. I told him I was already out of expense in having someone put the bed up and it is only fair for them to cover the cost to have it broken by down and reshipped. He told me they would not be doing that and hung the phone up in my face. I have two other items that needs to be sent back, a chest of drawer that was to go with this bed, I need shipped back Wayfair expense. I have attempted to stop the shipment of a corner desk that has not arrived yet. I will never order from this company again. I am at their mercy in that they have my debit card information to credit back at their will.