davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-08-07
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. (NY)

why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late on XXXX and XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Consumer complaint received 2021-05-12
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: DISCOVER BANK (IL)

Discover closed my account in XXXX they still did not answer who aged my accounts with all the payments til XXXX I demand an investigation as to who made the payments to continue to re- age my accounts who???? made the payments is my dispute. Because why would I make all these payments on a closed account. I demand a legitimate investigation because if I made XXXX  payments what source did they come from. Going to the FTC because this is fraud towards a consumer. Answer my dispute my dispute is who was making all the fraudulent payments on a CLOSED ACCOUNT it is my right to find out this information from DISCOVER THIS IS FRAUD, it is my Right to find out, who when and where these XXXX PAYMENTS CAME FROM aging my account if they came from your report should show what BANK, CREDIT CARD and or Institution they came from. 

DISCOVER IS RE-AGING ACCOUNTS SO THAT THEY WONT FALL OFF PLEASE SOMEONE LOOK INTO THIS. XXXX PAYMENTS ON MY PROFILE NOT WARRANTED BY ME.
Consumer complaint received 2020-12-18
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. (TX)

Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them as soon as possible.
Consumer complaint received 2019-08-07
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: ID Analytics, Inc. (GA)

I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

We refinanced with AmerSave in XXXX of XXXX. 

In XXXX we were notified that we hadn't made our XXXX mortgage payment. We called and said we were looking directly at our mortgage statement and it said that our first payment was XXXX. We were then told that there is Amerisave mortgage and Amerisave mortgage servicing. We were like what???? 

Apparently we were supposed to MAIL a payment to the first Amerisave. So we did this directly. A couple of weeks later we received an email saying they hadn't received our payment. They advised we should do a stop payment and then do a check through our bank. We did that and had follow-ups from Amerisave saying they hadn't received the payment. I sent them the info showing we sent it. FINALLY... they got back to us and said they received it. 

Then in XXXX we were notified by our home owner 's insurance company that our policy was going to be cancelled if we didn't pay our premium. Since we had chosen an escrow account we were dumbfounded. We then contacted our home owner 's insurance company and they said they had not yet received anything. We then contacted Amerisave and they said they hadn't received our home owner 's insurance information??? This should have been sent with the servicing package, shouldn't it? Anyway, they cut a check immediately to XXXX and that was resolved. 

Then today we received a notice in the mail that our county property taxes had not been paid by the XXXX deadline. We contacted Amerisave and they said that they were collecting for XX/XX/XXXX and that they had not collected impounds for the XX/XX/XXXX taxes. I told them that we had our Closing disclosure that had been sent to us prior to setting up our signing. The lady I spoke with ( XXXX XXXX said she was looking at our closing disclosure ( that was signed with the signing agent ) and it showed they hadn't collected. I told her that yes we had requested impounds. We then went through our signing packet and found the closing disclosure. It was different then the one we received on XX/XX/XXXX although it had the same date. 

We did have a conversation with our loan officer about not wanting to bring cash in to close. They had told us after the loan estimate that the amount had changed and we would now need to bring in cash to close. Our loan officer emailed us and said he had taken care of it and we were pleased. 

Our final closing disclosure that was in packet showed we were getting more back at closing then originally disclosed, but we thought that was great. What we didn't know is that XXXX had removed our XXXX escrow impound. We had not discussed this and it was not disclosed before signing. We were told that everything was the same. 

So now XXXX is ( supposedly ) paying the XXXX taxes, but it will leave our impound account with a negative, which we will need to make up with larger monthly mortgage payments. 

We are very unhappy and feel that we were not serviced with any kind of professionalism, but deliberately misled.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NJ)

I would like the company PNC to take my claim regarding account number XXXX seriously. I would like your agency to know that I started disputing this account in XXXX last year. I sent a certified letter directly to PNC regarding my concern with this account. I made sure that I was very detailed with my request for the original paperwork on file. The main reason why I requested this account information is because of an instance where someone used my information previously and I am going through my affairs to verify I understand the details of the XXXX account with PNC. For the past few months, I requested the original paperwork 2 additional times and I am not getting any response from PNC. There is no excuse clearly PNC is not cooperating regarding my concern. I no longer have a choice but to file this complaint in the hope of getting all the paperwork sent to me. I would like to thank you in advance for helping me in this matter. Again, I am requesting the original signed agreement for this account. I am requesting the copy of signature, terms, and conditions.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (VA)

I filed a complaint with the federal government regarding identity theft that was related to this debt collector. I filed disputes with credit bureaus as well. 

I met with a lawyer representing this firm in XX/XX/XXXX as I had filed a motion to have this judgment set aside, and I followed up with a request to have the garnishment reversed. 

Despite my actions, the debt collection agency continued on and at one point stated I still owed them more funds. As of this date XX/XX/XXXX the credit insists I still owe them {$180.00} despite having over {$1000.00} garnished for my pay for a debt that was not mine nor did I authorize it.
Consumer complaint received 2022-01-21
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: FC HoldCo LLC (CO)

In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}
Consumer complaint received 2017-06-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Caliber Home Loans, Inc. (AZ)

In  XXXX , we received a  XXXX  for a charged off HELOC. In  XXXX , we received another  XXXX  from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.
Consumer complaint received 2021-05-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (TX)

I bought a car ( XXXX XXXX XXXX XXXX from XXXX. XXXX was Bridgecrest.I made my first payment on time to the address they gave me in XXXX, Az. Got a collection call that I was late. Sent proof of that check but was told it had to go to XXXX. I stopped pymt ( {$30.00} ) they were to reimburse me. Never happened. 
All pymts made after that. XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XXXX. ( XXXX XXXX XXXX XXXX They sent payoff to Bridgecrest ( $ XXXX  ) Bridgecrest said they never received it. They were told by Bridgecrest to send it to XXXX. Collection calls continued ... saying they will report me to credit bureau. Then I called them again and they said they have the check for payoff but it was {$120.00} short. XXXX in XXXX mailed them a check overnight for {$130.00}. This was XXXX ... XXXX XXXX is finance at XXXX ... XXXX The account with Bridgecrest still shows delinquent. No one can tell me if they got the {$130.00}. Check ..mailed to XXXX, Az. 
The contact person at Bridgecrest XXXX XXXX. 
Communication with this co. Has been hell. Threats to report me as delinquent, adding more interest. Checks still not applied as of today XX/XX/XXXX ... XXXX XXXX When I call the number for Bridgecrest, I get collectors. Not nice people at all. I have been harassed, humiliated, and now my credit may be ruined. They have the money for payoff ... in XXXX, Az. They say I cant talk to none in Accounting So I have no recourse other than to file a complaint. I will sue them if this goes against my credit. I sent them the tracking numbers, the check numbers from XXXX XXXX in XXXX. Need help. This company Bridgecrest has many complaints listed ... I wish I had checked before. This is XXXX finance company. My credit score is XXXX. Not bad. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I got a call at the beginning of the year from the homeowner at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX saying that there was a lien/deed for {$80000.00} on her property that was put there by Chase in XX/XX/XXXX. I have never been on title on that property. I was the listing agent/Realtor in XXXX and my Aunt & Uncle ( who have since passed away ) sold the home to the innocent homeowner who paid all cash ( so there was no Chase error in that manner. I believe I had at one time used that address as a mailing address as I was traveling a lot. 
I have made many calls and emails to Chase to remove the deed and since last week they have gone dark on me. I had an escalation expert and last we spoke this was with the legal department and there was " no update ''. Meanwhile this Title fraud is holding up the sale of the homeowner 's property and putting my real estate license and professional reputation at jeopardy. 
Additionally, I do not owe {$80000.00} to Chase. 
Chase failed to provide the original loan documents and service transfer documents from WAMU to Chase upon request. I have requested these documents 3 times in writing.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

On XX/XX/XXXX at around XXXX. I went to First Horizon Bank located at XXXX XXXX XXXX XXXX in XXXX TN. I attempted to make a deposit into my personal checking account using the drive up window but I was instructed by the teller XXXX to come into the bank. 

The teller XXXX stated First Horizon bank was going to place a hold on my SBA loan in the sum of XXXX. She stated that SBA funds could not be released into a personal account. I asked what could I do to clear the matter and I asked if I could open a business account to resolve the matter. XXXX stated the funds couldn't be turned over into a business account but I could still open a business account with an additional XXXX dollars. She also stated that even after submitting the necessary paperwork the funds still wouldn't be released for another 7 to 10 business days because of the hold on my account. 

I was instructed to come in with my : XXXX Tax Return along with XXXX XXXX, EIN number and a business license to be able to retrieve my own loan that was already approved by SBA 's rigorous approval process. 

This is an unreasonable requirement. The CARES Act that set up the loan program says you must be in business before XX/XX/XXXX. It doesnt say that you must have a separate business account before that date. The federal CARES Act does not require you to have a business account to be able to receive SBA loan money in your account. Self employed people are not required to have such an account. The bank can accept my deposit under federal law without a business account and there is no justifiable reason for them to hold my loan for an additional 7 to 10 business days. Also, you don't need a business license to open up a business account as a XXXX XXXX so why would I be asked to show a business license to gain access to funds that have already distributed to me directly from the SBA? First Horizon did not disburse the loan. 

A DBA name is not required by the federal law and it is not required by law if you use your own name as a XXXX XXXX. For the bank to require an EIN and a Business license to gain access to funds that have already been approved and released by the SBA is unreasonable and unnecessary. A DBA name doesnt make you more of a business. I am XXXX XXXX and I am a XXXX XXXX. I am legally able to use my social and my EIN to conduct business. Providing an EIN and a business license to be able to gain access to my own funds to further my business is deceptive and unethical. Holding my funds for an additional 7 to 10 business days after I have to show additional unnecessary documentation is also deceptive and unethical First Horizon has a history of discriminatory practicing and this bank needs to be investigated and fined.
Consumer complaint received 2015-12-18
Product: Prepaid card — Mobile wallet
Issue: Fees — 
Company: SYNCHRONY FINANCIAL (PA)

Paypal reported 30 day delinquency against for a bill that should have been paid through my autopay. Second, they had an old address of mine. When I spoke to the customer service representative, I paid the {$5.00} and he provided instructions to get the credit reporting resolved, which I followed immediately, yet 1 month later, still have the 30 day derogatory remark on my credit report. 
More importantly, I 'm in the process of purchasing a home, and I 'm unable to get my preapproval letter due to this status ( it dropped my credit score close to XXXX points ).
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.
Consumer complaint received 2022-01-21
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

They rearrange transactions to charge fees. I had a deposit entering the account they rearranged transactions to charge me not one but 4 fees when the deposit that hit the same day would have covered them all and left me with a positive balance. They have done this multiple times but this is getting ridiculous and its every since bbt took over. I have my card locked and they will let stuff go XXXX if even if its locked.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on TransUnion do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.
Consumer complaint received 2021-05-12
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Checksystem has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Checksystem that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide XXXX nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Checksystem through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX or Checksystem. Legally I must send in a legal document stating that I am allowing permission but I never did and Checksystem does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report Checksystem & XXXX XXXX which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.