davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Onity Group Inc. (TX)

XXXX XXXX was taken out of our account illegally by Ocwen/Phh mortgage for the escrow account. We paid our taxes and insurance until late XXXX. We did not have an escrow for XXXX or XXXX. They now have fraudulently tried to paste the numbers in forged spreadsheets sent to me on XX/XX/XXXX. They have pasted numbers in different years trying to hide the deception. Just follow what I am showing you with the attachments. It's unreal. 

Here are the amounts they have stolen and now have committed fraud by covering it up. They sent me forged spreadsheets that do not match my past escrow documents. The fraud is so horrible I can not believe they did this. This over XXXX they have forged numbers in our escrow account. It all shows they repaid it then they subtracted it back out. It's disgusting. How is the government not shutting them down? This is our freaking mortgage they are destroying. I have complained over and over and nothing is being done to them. I had to sign a modification because they stole all our money from escrow. Okay, I am crying now. Then they charged us over XXXX in XXXX extra for the modification due to them stealing all the funds and making us delinquent. It's sick. They tried foreclosing on us in XXXX and the entire time they were taking money from us. We had to pay more than XXXX to stop the foreclosure. On XX/XX/XXXX they tried forclosing when we had paid all our payments. They were charging escrow when we didn't have one to foreclose us. It's criminal and I am just so upset about what they have put me through. I want help, please. LOOK AT ALL THE FAKE PASTED NUMBERS! Look at the 2 spreadsheets and you tell me how bad they steal. They charged me for insurance and taxes when I paid them! If they would not have stolen from us we would not have gone into foreclosure and had to pay XXXX for attorney plus XXXX for modification. I want it all refunded now. I want every fake NSF fee, late fee, long-form fee, breach letter fee, corp advancement fee, and all other stupid fake fees returned. 



XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2021-08-01
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. (IL)

Both XXXX  and Equifax have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.
Consumer complaint received 2021-08-01
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. (FL)

I sent several letters disputing the account that I allegedly had with XXXX XXXX XXXX. I sent these letters to Equifax. We sent these letters with evidence showing that XXXX  XXXX XXXX was been reported inaccurately on my credit report. Despite the numerous letters sent to Equifax they have failed to address the situation. We asked them to delete XXXX  XXXX XXXX from my credit report based on the information provided and they have failed to do so. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requesting there method of verification for the XXXX  XXXX XXXX account that was been reported on Equifax account. Today XX/XX/2021 and to this date Equifax has not provided me with its method of verification for the XXXX  XXXX XXXX account that is been reported on my credit report. The law states the credit bureau should ensure that the consumer gets the method of verification within 15 days after they have gotten the request. More than 15 days have passed and I have not gotten the method of verification. This is a clear violation of FCRA. 
For this violation i can sue Equifax for damages and if Equifax fails to delete XXXX  XXXX XXXX from off my credit report then I will seek legal redress to do so. 
I am submitting a copy of the letter that I sent to Equifax and a receipt showing the date that they got the letter.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

They keep logging me off and keep my account inactive because of fraud which there is no fraud. I log into my account to try to transfer money or get money out and it says to give them a call I give the fraud department a call and they said that they can't validate my account even though I have every question right security question and everything they said I can't validate my account because my phone number I went back and switched my phone number to the old phone number so I can try something and they said now that the old number is not valid and I since I updated a new number they have to wait I am stuck outside of town sleeping in my car with no food no gas and no money to get medication because these idiots won't help me and they just hang up after a while how what kind of customer service is that they just hang up on their clients I switched over from XXXX XXXX XXXXXXXX because of what's going on XXXX XXXX XXXXXXXX and Citibank is pretty much as worse as XXXX XXXX XXXXXXXX this is ridiculous my money is stuck in there they're holding my money hostage and I can't pay for anything I can't use my money I can't use my card.they are super XXXX and I don't know how MasterCard can have business with them. Stay away from Citibank they are the worst believe me do not put your money in there you have such a headache so much stress it is not worth it keep your money away from them
Consumer complaint received 2021-08-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Sunday, XX/XX/2021 from the company by the name of credit acceptance, I am less than a month behind. The 1st call came at XXXX XXXX. after another call at XXXX XXXX., followed by 2 more calls at XXXX XXXX. Later that day 3 more calls were made at XXXX XXXX ; as of right now the last 3 calls have been made at XXXX XXXX for the day I hope.
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (VA)

I called the GLA company to ask for more information about the alleged debt owed. I did not get any relevant information outside of someone used my identification at a medical facility therefore causing the accrued debt to be mine. I have 100 % medical coverage so even if I did go to the hospital parts of, if not all of the expenses would be covered.
Consumer complaint received 2021-08-01
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. (MO)

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX  XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX  XXXX  XXXX  {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Consumer complaint received 2021-07-31
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. (GA)

Equifax, XXXX, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. Equifax, XXXX  nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (PA)

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OR)

About a year ago I was offered via regular mail a VISA card through XXXX XXXX that would be XXXX interest for the first 18 months. It sounded like a good deal and I took advantage of it. 

Earlier this year, US Bank bought XXXX XXXX 's XXXX contracts. It was to be a seamless transition. I assumed that all offers made by XXXX XXXX would be honored. Not so. 

XXXX XXXX sold my contract to US Bank representing it as earning 14.99 % which it was not, at least not at that time and would not be earning interest until sometime around the first few months of 2022. 

After receiving two bills adding interest to my account XXXX to the tune of some $ XXXX XXXX, I contacted US Bank customer service to find out what was going on. I should not have been charged interest for several more months. The hapless representative who went by the name of 'Amythyst ' was unable to access any of my account information prior to the US Bank acquisition in XXXX of this year, I believe it was. XXXX XXXX only said this account was earning 14.99 %. She had the authority only to lower that by two percentage points even after checking with their contracts department who could offer no additional light on this. Neither did they have any contact information for XXXX XXXX. 

It appears that I am left holding the bag on this. I suspect that I am not the only former XXXX XXXX XXXX holder who is now, and in breach of contract being charged interest with no immediate remedy available. 

I suspect, and this is only my opinion, that there are some shenanigans going on behind the scene here. Did XXXX XXXX 'fatten ' the deal to XXXX Bank XXXX new accounts acquired through their generous no interest offer and then represent them as earning 14.99 % in the sale of those contracts to the bank? Stranger things have happened and I wonder. 

What recourse do I have at this point? This has put me in a bit of a financial bind. 

Thank you for taking time for this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KEYCORP (FL)

I have a Keybank account and 3 XXXX accounts that were originally managed by XXXX, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and Keybank/XXXX  directly. Keybank and XXXX is trying to say that my account first went delinquent in XX/XX/XXXX. XXXX  originally had these accounts and sent it to Keybank and XXXX in XX/XX/XXXX because it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. Keybank/XXXX  is refusing to remove it. Please help me!
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NV)

I HAVE COMPLAINED TO NORDSTROM ABOUT AN INQUIRY THAT I DID NOT MAKE ON XX/XX/XXXX. THEY ARE CLAIMING THAT THAT INQUIRY WAS WHEN I OPENED THAT ACCOUNT, WHICH IT WASNT, IT WAS THE INQUIRY ON XX/XX/XXXX WHEN THE ACCOUNT WAS OPENED. THAT SECOND INQUIRY ON XX/XX/XXXX WAS NOT AUTHORIZED BY ME AT ALL. EITHER THEY PULLED MY CREDIT WITHOUT MY PERMISSION OR IT WAS FRAUD, BUT IT WASNT ME BECAUSE THE ACCOUNT WAS IN BAD STANDINGS. I AM SENDING A COPY OF THE LETTER YOUR COMPANY SENT ME AS PROOF. BOTH INQUIRIES SHOW ON MY EXPERIAN FILE BUT ONLY THE ONE ON XX/XX/XXXX IS MINE. FROM CMPLAINT # XXXX-XXXX. NORD ACCOUNT ENDING IN XXXX.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

My best buy citi card has been closed and paid in full. For a total of 4 months after. EACH month, 4 of them, after I paid my acct in full the company is charging me late fees, on top of late fee because of the late fee. Then interest ontop of those late fees. For 4 months. They are also reporting my acct. Delinquent as well. I am trying to buy a home and my credit score keeps dropping because they are reporting my acct delinquent. I have been on the phone with them each month to correct this and for the 5th month I have another bill charging me interest and reporting me delinquent on my credit.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I have trust Citibank New York to wire payments that were a fraud to Ctiibanamex to an account XXXX XXXX XXXX  XXXX XXXX. I HAVE CALLED. I went to XXXX XXXX XXXX XXXX XXXX XXXX but on pandemic they did not help they make a call to customer service but they never answer and said they can not help. I went to XXXX on XXXX XXXX but they said I have to prove a crime. IT was scam from a company who offfer to sell our membership and they have all the information from XXXX and XXXX XXXX in XXXX and the big mistake was to pay for something that was buyer responsabilities but since was bank to bank I got convinces by this XXXX group of criminals and we went to XXXX  even they said this companies look real but they are fake. 
Citibank contacted an open cases for each wire and but there was one on XXXX  and one still pending but they did not stop those two. After that on XXXX called but they give no answer until on XXXX receives a letters for each saying beneficiary bank did not respond it was so disappoint went they said account is fake. How it is possible and they should have compliance a little to us as customers Citibank never give us a good respond. Precinct investigator told me I should file a court complain. I have try to help other people but complain but investigator or some one IC3 Fraud scam agencies XXXX  investigate with number e mails because they still on XXXX as companies and I have the feeling there are people like us naive. i WANT TO HELP OTHERS. It is hard I am senior and XXXX patient who fail and wanted to pay mortgager but was swindle.
Consumer complaint received 2021-07-31
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)

Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, Transunion & XXXX, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc. 

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2021-07-26
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)

I am a federally protected consumer and my consumer rights are being violated pursuant to USC 1681 Fair Credit Reporting ACT. There are fraudulent accounts appearing on my credit file and I have filed an identity theft report with the Federal Trade Commission. Pursuant to 1681c-2 Block of information resulting from identity theft- I need the following accounts blocked and deleted from my credit file immediately and must be deleted with 4 days according to congress . These accounts may not appear on my file in the future because I do not give permission. 

The Following Accounts need to be deleted immediately : 1. XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX 2. XXXX XXXX Account Number XXXX 3. XXXX Account XXXX 4. XXXX XXXX Account Number- XXXX 5. XXXX XXXX Account Number- XXXX
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (NY)

Coming on the heels of all the other complaints we have filed against this now fully merged XXXX XXXX behemoth, which violates every antitrust rule & regulation known to humanity, now they have apparently " reversed the reversal, '' of the {$5000.00} they stole from my account on a Friday, even though we have more than complied with their incredibly confusing instructions/app via their XXXX app program fiasco for XXXX merchant account number XXXX, which one requires a PhD in chaos math to fully understand. We supplied this XXXX  company with signed retainer agreements, proof that the cardholder entered in their own credit card data themselves, received goods and services and intellectual property and trade secrets in exchange for their partial retainer fee payment, proof that the client accepted all terms and conditions with nearly 30 pages of selected emails ( there's actually 100s ), proof of legal work product, and tons of other material proving that we earned this {$5000.00} & that we should be allowed keep it. The company should rectify this criminal theft of services, or larceny by trick, of this criminal credit card charge back, and give us back our {$5000.00}. Not only that, but these XXXX  have decided to, on their own, accidentally delete the other XXXX account that we created to monitor the merchant services account for XXXX, number XXXX, which the XXXX  at XXXX XXXX  created for us in addition to XXXX, thus confusing us even further.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

2 Private Student Loans via XXXX XXXX Opened XXXX Joint account with XXXX XXXX XXXX of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines. 

Fall Off Date should be XXXX XXXX. 

This is an easy fix.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that JP Morgan Chase was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.