davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My home is scheduled for Foreclosure Sale XXXX XXXX. I have been paying since XXXX. As of XXXX I had paid XXXX on a loan that was XXXX. My loan was transferred several times and incorrect information about how much I owe has been and Issue. Ocwen is saying still owe XXXX. I have asked for proof but they will not provide it. The loan is under the XXXX and it is not correct. They also send different amounts on the statement. I am in XXXX XXXX and XXXX XXXX. Once I reported Ocwen for Harrassing Calls they scheduled the Sale. Their is no documentation in the Court.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (PA)

I noticed an Installment loan from XXXX with a {$0.00} balance on my credit report. I did not authorize this loan nor do I know who initiated this loan. I also discovered 2 XXXX XXXX XXXX XXXX accounts on my reports that was not authorized by me as well. I have been a victim of Identity theft numerous times.
Consumer complaint received 2018-04-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent the attached letter to XXXX and Experian on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Let me be very specific. Capital One is a company that charges their credit card customers a late fee of $ XXXX, even if payment is made ON THE DUE DATE. They are playing games with EST vs. PST and that there is a time cut off for payments made on the due date. 

This is an egregious, outrageous and in my opinion, disgusting tactic to try and turn late payment fees in to a profit center. When I called in to complain in XXXX to get my fee reversed ( I had forgotten that auto pay had been turned off ) I was met with a rude customer service manager who could have cared less. 

As for my XXXX payment, I tried to pay both online ( their site would not accept new payment options at that time, on the XX/XX/XXXX when I tried to pay ) and my perfectly valid payment method ( a XXXX debit card ) was rejected when I tried to pay via their automated phone tool. 

Their customer service was also not available ( no human available ) despite the fact that it clearly says 24 hour customer service on the back of the card. Are they referring to the automated system that does not work?
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (FL)

M & M CREDIT is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from XXXX XXXX XXXX. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with XXXXXXXX XXXX XXXX and I am able and willing to settle the debt with them. The reason the debt with XXXX XXXX XXXX was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with XXXX XXXX XXXX multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with XXXX XXXX XXXX  directly.
Consumer complaint received 2019-05-24
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: JPMORGAN CHASE & CO. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (GA)

Target card services, XXXX Acct XXXX Target contacted XXXX XXXX on XX/XX/19, according to their letter to me, and canceled my subscription. Therefore, not only did Target   hit my card for {$39.00} without good reason, and they are forcing me to pay it, but THEY CANCELED THE XXXX PRODUCT THAT WAS PURCHASED! See attached letter from Target   dated XX/XX/19. That means they are controlling both the purchase and the cancellation without my knowledge and permission. Dont I get a say in anything? If I have to pay for it, shouldnt I be allowed to keep it? 

I have attached all correspondence, 8 pages, received from Target. 

Furthermore, I suspect an immature Target  employee attempted to fraudulently use two of my credit cards to make small online purchases. On XX/XX/19, XXXX XXXX  notified me of a suspected {$11.00} XXXX purchase ; that card number was replaced. On XX/XX/19, XXXX assisted me with an obvious bad purchase for {$42.00} at XXXX, an account with a XXXX balance ; that card number was replaced. Pure harassment! 

The following is a summary of what has happened : 1. My Target  credit card consistently carried a XXXX balance. 
2. I misplaced my card and Target issued a new number/card. It still had a XXXX balance. 
3. At some later point, without my knowledge and approval, no email-mail-phone warnings whatsoever, XXXX ( computer virus protection ) was allowed to sneak a {$39.00} charge onto my new Target card number. I knew nothing about it. The software was auto-installed on an old, dusty computer I rarely use. 
4. In XXXX, I attempted to make a small purchase from Target online shopping to my Target card ; it was declined. Thats when I called and found out about the {$39.00} charge plus the {$27.00} late fee that Target added because I didnt make a payment. How was I supposed to know a payment was due without any phone/mail/email notification? 
5. My phone number and address has been the same for 30 years. My email address has been the same for several years, possibly 5 years. 
6. I called Target and angrily terminated my credit card. 
7. I filed a dispute with Target and it was denied. Their letter told me they tried to reach me by phone and since I did not respond within their unreasonable time limit they denied the claim. Meanwhile, they managed to get correspondence to me by postal mail.
Consumer complaint received 2022-06-11
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: CBC Companies, Inc. (NY)

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Innovis does not have my consent to furnish a consumer report.
Consumer complaint received 2023-01-04
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (MA)

This XXXX XXXX XXXX  XXXX shouldn't be on my credit report for XXXX. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call XXXX again to file a fraud dispute. Can you contact XXXX to let them they that I see a fraudulent account on my credit report?
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax ( Gon na Add on the next update )
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX  XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (VT)

On XX/XX/2016, I accidentally paid my mortgage twice in the amount of {$1900.00}. I reversed one of the payments because I can not afford to pay my mortgage payment twice in a single month. They assessed a non-sufficient fund fee of approximately {$50.00} even though the payment was not late and I've been fighting with them ever since to have this fee reversed. I've called and emailed them multiple times and none of them seem to understand the issue or how to resolve it. They've told me multiple times that someone would call me back but they never do.
Consumer complaint received 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018
Consumer complaint received 2023-07-23
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. (MD)

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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX has violated my rights.

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 2022-05-03
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. (MA)

This XXXX XXXX XXXX XXXX shouldn't be on my credit report for Transunion. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call Transunion again to file a fraud dispute. Can you contact Transunion to let them they that I see a fraudulent account on my credit report?
Consumer complaint received 2021-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NY)

I placed an order online via their app from XXXX I cancelled the order right away XXXX refunded the money to them and sent me a cancellation email affirm refuses to reflect this on my account they have me as still owing the balance telling me I have to wait for the merchant to process the order from XX/XX/2021 it is now XX/XX/2021 despite sending them proof they refuse to correct the issue
Consumer complaint received 2018-03-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (NJ)

Caliber Home Loans put a 30 day late and past due delinquency on my credit report and the mortgage payment was not late.They were paid over the phone and charged me an additional XXXX. After reporting such erroneous information on my report, my score dropped over 70 points and I was denied credit from other creditors. In addition, I was embarrased and my character was defamed. I wrote the company and asked them to update their records and remove the late because this is a violation of the Fair Credit Reporting Act ( FCRA ). I received a letter from them stating that they are investigating the matter. I was a victim of inacurate and unfair credit reporting. Please help me by investigating this matter.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PROSPERITY BANCSHARES, INC. (CA)

" Hello XXXX This letter is concerning Prosperity Bank customer REDACTED ( cc'ed ) and a recent check ( Check # 22, {$160.00}, REDACTED, XXXX  REDACTED -ATTACHED ) that he deposited via mobile app at around Tuesday, XX/XX/2018 that was erroneously returned as a " fictitious item/altered tender. '' Full disclosure, I am also copying REDACTED, Chief Risk Officer for Prosperity Bank, and the three Area Chairpersons for the XXXX/XXXX XXXX area where REDACTED banks, as well as REDACTED, the issuer of the check. 

For background, REDACTED is a XXXX XXXX based " XXXX '' company that processes payments on behalf of business partners that include XXXX/XXXX transactions, as well as -and in this case- UCC and XXXX image compliant digital check images optimized for mobile deposit, and that meet the XXXX definition of a valid check. 

We understand from your customer, REDACTED, that his mobile deposit of the check was rejected as " fictitious item/altered tender. '' While I am not in a position to second guess your algorithms and policies that arrived at this conclusion without communication with the XXXX, I will say that it was 100 percent incorrect in this situation, denying your customer pay to which he is entitled. 
If it pleases your Chief Risk Officer, I am also happy to refer you REDACTED Cybersecurity and Fraud Intelligence officer REDACTED, with whom I work with on a daily basis in my capacity as Head of Fraud Detection at REDACTED. He would be able to validate the check as authorized by checking in with the account holder.

Also, you may simply check with the actual originator of the check, REDACTED, who is included here.

The resolution of Prosperity Bank 's error is between Prosperity and REDACTED ; I hope that the information and resources offered may only assist in that resolution promptly.

Best, '' Despite this, Prosperity Bank disregarded protocol and did not accept the check for processing, nor check in with the XXXX  account holder.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

NFCU, Recently closed my bank accounts they claimed that the computer I used to apply for a credit product ( WHICH I WAS APPRVD ) was compromised - and sent me all over to every department they have, still with no results in reopening my account! 

I served this country in the XXXX XXXX for several years and to be treated as a common criminal is a slap in the face. NFCU system is flawed and I'm very disappointed.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (WA)

I have been receiving daily calls from XXXX from a " XXXX XXXX '' whom leave messages on my phone threatening me with multiple civil cases if I do not pay XXXX to them for a credit card I had from over 7 years ago. The debt in question is no longer reported on my credit and is past the statute of limitation. I brought this up to her and she said it didnt matter as they intend to sue in civil court over a " breach of contract '' I wont validate the debt because that number is not only inaccurate but older than 7 years. I have asked her multiple times for the name of the " legal firm '' she represents and the only information she will provide is " XXXX  XXXX ''. I have not been able to validate the company, she refuses to provide me a street address for the company, and would not transfer me to a supervisor once I asked. She becomes argumentative when I ask them for information and has yelled and disconnected multiple calls when I refuse to speak with her and demand to speak with someone else. When I call her number the message does not provide a business name and I am beyond stressed about the continual daily legal threats.
Consumer complaint received 2022-05-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX, has violated my rights. 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX