davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

This complaint is in reference to PHH Mortgage handling of escrow account funds ; including the failure to adhere to the Maryland Code Commercial Law XXXX Interest on escrow accounts as well as the mishandling of Maryland XXXX XXXX XXXX XXXX to PHH ( due to tax credits ) on XX/XX/XXXX. 
XX/XX/XXXX - Annual escrow statement [ Attachment 1 ] Reveal escrow shortage of {$230.00} with a new mortgage payment in XXXX of {$1400.00}. I utilized Option 1 ) Do Nothing and added 12 months of {$19.00} that began in XX/XX/XXXX. Document supported no evidence of adherence to Maryland Code ; interest on escrow account XX/XX/XXXX XXXX disbursed remaining balance of tax assessment - {$1600.00} [ A ] XX/XX/XXXX The taxes paid on XX/XX/XXXX were refunded in its entirety {$1600.00} [ B ] due to MD Maryland XXXX tax credit program. 
XX/XX/XXXX Called XXXX XXXX. to inquire of the refunded escrow dollars and was advised that an additional escrow analysis was required. See OFF-Scheduled Escrow statement dated XX/XX/XXXX. This document also does not include evidence of adherence to the Maryland code. However, a refund was issued to me in the amount of {$1400.00} [ C ]. However this refund was NOT received until XX/XX/XXXX. This was ( XXXX ) days are they received the refund. 
On numerous occasions I have inquired as to my escrow account and why this account was not eligible for the accrued interest along with supporting documented law that suggest this action. See attachments for evidence of previous request along with their response letters.
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 is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( Hippa ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

I called Venmo/Synchrony regarding fraud on my Venmo credit card. Their phone representative made a mistake and closed my account instead of addressing the fraudulent charges and fees, even though I specifically stated I opened the account but the charges where fraudulent. I have since made multiple calls and wasted hours of my time to get them to reverse the issue and resend a new card as I was told they would do. They have still not fixed the issue they made. I spoke with multiple people regarding this including XXXX, id # XXXX. They just keep sending me a pointless letter but not actually doing what I tell them to do.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation (NJ)

We have bought a timeshare with XXXX since 2019 and it has not benefited us. Instead, we have been throwing our money to the wind. The sales representatives did not go into further detail and were manipulative. They made it seem as if this was a great deal and available only for that day to get me to feel like I had to sign right then and there. They had me feel as though I could not walk away, no matter how many times I said no to this contract. I was misled and pressured into signing this contract. The increasing fees for this membership have placed a strain on our finances. This has become an extremely stressful situation for our family and continues to be a burden in our lives. We have made countless requests to be released and the only solution is for XXXX to move forward with the cancellation of this account entirely. We do not want to be partnered with a company that has such disregard for its owners and is purposefully manipulative. 

They have enlisted Blackwell Recovery to damage our credit even more and keep us in an unfair contract. We never agreed to work with Blackwell and are resolving this matter with XXXX directly. Blackwell needs to cease all collection efforts.
Consumer complaint received 2020-06-12
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. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-06-12
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. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC. (CA)

I am writing this due to non-compliance with NETCREDIT. 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.
Consumer complaint received 2022-03-01
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. (UT)

I noticed unauthorized accounts, inquiries, and personal info on my credit report. Someone else applied and used my info in my name. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized things must be removed.
Consumer complaint received 2020-06-12
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed XXXX XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX XXXX Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my credit report.
Consumer complaint received 2023-01-06
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. (PA)

There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

So on XX/XX/2020 I received a notification from Chase saying I had sent out a XXXX  payment of {$300.00} to someone under the name " XXXX XXXX '' I called XXXX  Claims department explaining that what happened was that my parent 's account had been compromised ( being accessed remotely through my fathers Computer terminal ) and was linked to my personal bank account that also had my mother in so they grabbed the money from not their account but rather mines. after calling to dispute this unauthorized charge, they issued the claim and got back to me on XX/XX/XXXX that they issued a XXXX credit for the time being, the following day XX/XX/XXXX. They sent me a email at XXXX XXXX saying that based on their investigation that the charge was authorized. I spent a good portion of XX/XX/XXXX Talking to various representatives on chase 's end eventually a supervisor by the name of XXXX about my issues and was met with a " sorry we can't help you this instance, try to contact XXXX '' I even asked to track where the money is being sent to and they did not give me any information. Then based on how they validate whether transactions are fraudulent and failing to take responsibility in this matter as I had told them how my account was accessed they didn't offer any solutions and XXXX specifies on their site that they can't really do anything. they just decided that it should be left up to the victim to do their jobs of contacting the right organizations in regards to seeing what happened to my money even though this would be violating my rights under the Electronic Fund Transfer Act. Chase didn't even try to think hey this might be suspicious that an account that has only XXXX XXXX money out to a family member once would send XXXX to someone the same day and disputes it the same day. it was incredibly unprofessional and unpleasant having to participate in a back and forth that feesl like it ultimately will not get resolved and make me want to conduct my banking elsewhere
Consumer complaint received 2023-01-06
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: U.S. BANCORP (OR)

On XX/XX/2022 I received a phone call from the US Bank Visa Fraud Department concerning some recent charges on my credit card ( # XXXX XXXX XXXX XXXX ) that happened while I was in XXXX De XXXX, XXXX. I immediately answered the phone, spoke to an agent, and stated that the two charges made to XXXX XXXX XXXX of {$1600.00} and {$500.00} were fraud. The agent stated that they will reverse the charges and do an investigation. They attempted to call me one more time and did not leave a message. I then received a letter dated XX/XX/2022 that stated that the investigation was complete, and no fraud was found because I still had my card and that there was another authorized user on my credit card. They then reversed the charges back and charged me the approximately {$2100.00}. Since then, I have called to reopen the case multiple times and eventually spoke to an agent about my case after I filed a complaint. I stated that there are no other authorized users on my account, and it is clear that my card was scanned and charged somehow. This agent stated that I need to get a police report from XXXX, video footage and witness statements. 

My current case # XXXX
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-06-12
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2022-03-01
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. (GA)

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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 the receipt. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-06-12
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: FIRST CASH FINANCIAL SERVICES, INC. (MO)

I put a valuable item into XXXX XXXX XXXX on XX/XX/2020. I returned one week later to retrieve my item and the store was boarded up. I reached out multiple times and got through eventually to an 800 number where a customer service representative was unable to tell me anything about the status of my property and put in a request for a district manager to call me. This was XX/XX/2020. On XX/XX/2020 I still had received no contact from the business and I called customer service again. This agent also put in a note for a district manager to call me- I emailed the customer service email on XX/XX/XXXX and was told the store had been broken into during civil unrest. I was then told that there is no way for me to call or to retrieve my item or even know about the status on whether or not my item was even secure at the time this store claims to have been broken into. Today is XX/XX/2020.
Consumer complaint received 2020-06-12
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX   XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-04-20
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. (HI)

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, Experian and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

On XXXX at about XXXX. I contacted Experian Credit Bureau because I saw they dropped my score 14 points for no reason. All my credit reporting says everything is in good standing and my payment history is exceptional. Meanwhile my scores from XXXX and XXXX  went up. When I called Experian the first lady I got asked permission to pull my XXXX credit report and my current one. After giving her permission she said she could not see any reason for the drop and could not give me a reason. She said I should contact a financial advisor. I told her no because Experian is doing this and a financial advisor will say to contact Experian because he or she has no authority over Experian. I explained to her I feel this is basically my credit score for sale because I started rebuilding my score when it was XXXX. When it got to XXXX my wife asked why we were paying Experian {$25.00} a month, and I did not know. After looking into the charge it was for some membership tp Experian we had no idea we had. That day I cancelled the membership and XXXX days later with no change to my credit report Experian dropped my score to XXXX. Then I got my score back up a little and Experian sent me a email saying if I got a credit card and they had the name of it through them my score would go up. When I denied their offer they lowered my score for no reason. Then I got my score up a few points and they offered to raise my score if I got car insurance through them. When I declined their offer my score went down only through them. Now just last week my score hit XXXX, I got an offer again for both a credit card and car insurance through Experian. I declined both and now today my score dropped 14 point for no reason. This lady told me she could not explain it. So I asked for a supervisor. The supervisor came on and I explained everything and she told me to contact a financial advisor because she could not tell me anything. I asked her why because Experian is doing this and she is a supervisor for Experian and I want an answer. Then she hung up on me.