davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

For 3 weeks I have been trying to get a hold of a representative over at Selene Finance and I hardly ever able to get through. About 3 weeks I requested my history of my payments from Selene Finance. They have yet to respond, return phone calls, provide empty promises and I need a copy of my payment history because the lender I am trying to refinance with is requesting it and will close my loan application should I not provide them with the payment history I have asking from Selene Finance. 

How can something so easy be so difficult to provide, or have a Lender that answers their phones. 

I had no choice but to send a Qualified Written Request again.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 I was in XXXX used my card at ATM after that I lost my card, and few transactions made not by myself. When I found out that I called Chase created a case but they closed my case without refund saying because I do have inflight transactions, so I feel like they are saying because I travelled to XXXX and they dont refund any amount that not by me located in XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (IN)

I have account with Credit Karma and applied to a credit card through their service. I have pictures stating I had an outstanding chance to be approved. The fine print of said card said it would not hurt my credit score, ( again I took screen shot of that statement ) I applied and received email saying I was approved but then next day another email saying I was denied and asked to apply to their " partners ''. I then received an email from Credit Karma stating my score had changed and it was lower by XXXX points. I have NEVER had a credit card, but wanted to apply for one to better my score.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

A hard inquiry was submitted by XXXX XXXX XXXX XX/XX/2020 which I never authorized. I have called XXXX XXXX XXXX and Equifax multiple times to correct. The XXXX XXXX XXXX rep verified there was no reason for the hard inquiry and for me to request Equifax remove it & ask for a ref # to give to XXXX XXXX XXXX. The Equifax rep refused to submit the dispute she said the lender needs to do it. I advised the Equifax rep XXXX XXXX XXXX informed me to dispute and request reference #. The rep told me I will have to wait 2 years for it to drop off or I should file a police report stating fraud. I will not wait 2 years & I will not file a false police report stating fraud b/c I dont know if someone accidentally typed my ssn for inquiry since no actual account was created. I asked for an Equifax supervisor and after I held 15 minutes Equifax dropped or released the call. Equifax has denied me the right to dispute an inaccurate inquiry in which Equifax can verify with XXXX XXXX XXXX I didnt authorize. 
I filed case # XXXX with XXXX XXXX XXXX rep XXXX in TX for verification although his dept cant call Equifax.
Consumer complaint received 2020-10-01
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. (IL)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against LVNV Funding, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness.

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-10-01
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. (IL)

SinceXX/XX/2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (TX)

I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
Consumer complaint received 2020-10-01
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: WELLS FARGO & COMPANY (TX)

I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. WELLS FARGOXXXX XXXX  XXXX # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rausch Sturm LLP (MA)

Rausch Sturm has tried collecting a debt that is over 10 years old. In less than a weeks time they sent three letters trying to collect payment i wasnt even aware of. I called them the young lady said it was from a company name XXXX XXXX never heard of them. I explained that i dont know who they are she said it was from XXXX and XXXX. I am in my massachusetts and the statue of limitations is 6 years here. I told her this is too old to collect. She agreed and today XX/XX/XXXX i receive another notice with a copy of a judgement that was made in XXXX which i was never aware of. I have called and asked them to stop reaching out but it has not helped.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

There is a collection account for XXXX XXXX that was opened in XXXX of this year for {$910.00}. I did not open this account. I have AT & T. This was fraud. I'm asking for the removal of this collection account. Thank you.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I was past due with my payments due to COVID XXXX in XX/XX/2020. Citi approved a payment deferral of two billing cycles on XX/XX/XXXX. I still made the minimum balance payment in XX/XX/2020 for the following billing cycle. On XX/XX/2020 I checked their app for additional payment before my due date and the app showed that I had already made a payment so no payment was due. I was still charged {$40.00} for a late fee. Then collection phone calls started from the company at least twice a day every day. 
On XX/XX/XXXX, I made another payment before the due date of XX/XX/XXXX for the minimum balance due. Yet on XX/XX/XXXX I was hit with another late payment fee for {$40.00}. 

Today, XX/XX/XXXX, I spoke to at least 4 different Citi employees who each gave a different excuse for the fees although I paid the minimum payments as reflected in the app. 

Instead of billing for the missed payment in XXXX as part of the minimum payment due, they have it billed separately as an optional payment and then are charging a late fee for that payment. I have closed the account but this is clearly unethical billing and fee charging. I'm paying my balances as stated but still getting charged and the agents act as if this is normal.
Consumer complaint received 2020-01-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TN)

Received denial letter for modification request from my server BSI. The letter stated I had insufficient income. My income is substantial to make the mortgage payments on my property. I was also previously denied a modification review because the Relationship Manager stated they showed in their records I had filed bankruptcy. I have not filed bankruptcy and BSI has incorrect information. BSI is difficult to work with and I'm requesting they review my request for mortgage assistance.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KS)

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AR)

On XX/XX/XXXX, I received a letter saying my account was closed for false reasons such as high balance and collections and during that time I had no collections on present on my account. I also have a XXXX  balance on the account prior to the letter being sent and have paid consistently on time all year. I previously reported this same credit company for reporting my balance false and incorrectly for two months. I strongly feel this was a discriminatory retaliation move from Best Buy Citi Bank. 


On XX/XX/XXXX, I spoke with XXXX. I asked her multiple times to provide the ID and instead she proceeded to stall to provide it for me and hang up the call. I proceeded to call the customer service line back and to speak with the manager whose name is XXXX, XXXX team number. She then also hung up on the call instead of providing a resolution.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

In XX/XX/XXXX, I applied for a mortgage loan. I was alerted by the lender that I had a collection on my credit report for {$4400.00}, which was opened on XX/XX/XXXX ( ironically my birth day and month ). I contacted the original loan company XXXX, and advised them that this debt was not mine, and they indicated that they had no debt found with the information that I provided. I have not been contacted by the collection agency, XXXX XXXX XXXX I have also filed an FTC packet. This error has NOT been removed from my credit report to this date.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On Sunday, XX/XX/2020 I received a notice that FNBO was going to a 2 factor auth process for logging into their website in order to make payments on their credit card. Because of my XXXX of XXXX I am unable to receive the 2 factor call, since I use that landline phone for dial up internet access. Even if I disconnect to receive the call, and reconnect afterwards I can not HEAR the call in order to be able to enter the 2 factor number that is read by the system. I can not use text, as I do not have a mobile phone, since I can not hear, nor is there any service at my residence. FNBO suggested using an email instead. However, FNBO 's email is loaded with graphics and takes more than 10 minutes to download. FNBO has a 10 minute timer on its site, so this is not an option either, as I will be locked out before the email with the code can be downloaded. 

I have called FNBO twice, including tonight, the last possible day before I will be unable to log on due to the NEW 2FA policy, and they claim they can not waive it at all. 

Normally, I would quit such a business that does not handle my XXXX, but I will take a credit score hit for doing so. I have went back to paper statements, and do not want to have to go to paper checks when I have been paying them online for years, and only because of the policy change on XX/XX/2020 am I being prevented from using their online payment service. 

I ask that FNBO provide a reasonable accommodation for my XXXX in order to be able to continue to use the FNBO credit card as I have been doing for the last couple of years. I have NEVER forgotten the password, nor had it hacked. 

FBNO has claimed their process is " industry standard '', but NONE of my more than 20 cards from many issuers that I have require this process. In fact, the account worked perfect until FBNO decided to change their policy in regard to online log in to my account.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AL)

XXXX XXXX XXXX I have sent i have disputed an account that shows the wrong dates and stuff and asked to delete the information since they are reporting in accurate information all there reports shows the date open on one day and the letter that was sent to me was a wrong date so please delete
Consumer complaint received 2020-10-01
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)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2024-03-19
Product: Credit reporting 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 want to express my extreme dissatisfaction with the continued presence of a fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be immediately removed. So please remove the accounts from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2020-08-14
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE CONTACTED THE CREDITORS AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY PAYMENTS TO ANY OF THE CREDITORS. I HAVE BEEN TELLING THAT THESE ACCOUNTS ARE FRAUDULENT FOR MONTHS, AND NO ONE CARES AND AN AGENT FROM EXPERIAN TOLD ME TODAY WE CANT REMOVE THEM BECAUSE PAYMENTS ARE BEING MADE, HOW IS THAT MY PROBLEM OR MY FAULT, WHEN I AM TELLING YOU THAT THESE ACCOUNTS ARE NOT MINE AND I AM NOT MAKING ANY OF THE PAYMENTS, WHY ARE THE CREDITORS ACCEPTING THE PAYMENTS WHEN I AM TELLING THEM THESE ARE FRAUDULENT ACCOUNTS. THEY ARE DOING THIS ON PURPOSE TO RUIN MY LIVELYHOOD.