davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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: International Recovery Associates, Inc. (NY)

On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact XXXX. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify XXXX  to remove but when I spoke to XXXX  multiple times after that and today the last time I called and spoke to a XXXX  at XXXX  is today to find out whats going on and why they are still listed on XX/XX/XXXX. XXXX  told me that they have no communication from the agency about removing collections from my account. XXXX  closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if XXXX  agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I had a credit card through Ulta Beauty, they use Commenity Bank for their credit card. I had applied at the store and used credit for about {$120.00} on XXXX XXXX, XXXX. I never received anything from the bank after that or a card for Ulta Beauty. I was not able to settle my balance because I didn't have access to an account. XX/XX/XXXX comes, and I start receiving phone calls from an odd number who claims they are Commenity Bank and that I own them money. I had never heard of the bank before, so I thought it was a scam and I ignored it. I eventually answer the calls and speak with an employee from Commenity Bank, who through a lot of confusion and questions, I figure out is the bank responsible for my card at Ulta. They inform me of the money I owe, and I settle my payment on XXXX XX/XX/XXXX. XXXX XXXX XXXX, Commenity/Ulta reports that I have a balance still on the card and that I have missed 4 payments, when I have already settled my card. I spoke with the employee and she cleared the payments from my account and I asked her to close my account. My complaint is that my credit score has gone down significantly due to this misunderstanding. Commenity to my knowledge has put in an effort to get this corrected, but I have not seen any remedy to my credit score, so I am submitting a formal complaint on my own behalf.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Premier Auto Credit (LA)

XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX  XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : PREMIER AUTO CREDIT ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

My husband passed away, the title of the house has been transferred to me as the surviving joint tenant. I was told by Lender to apply for the Loan Modification - Loan Assumption process to get the loan on my name. I have sufficient income and submitted all required documents in the timely fashion following Lender 's Instructions. First Lender was keep asking for the same documents when even the Relationship Manager has to apologize to us for inconvenience. Now on XX/XX/2018 Lender executed the BPO that supported by the similar value of the Lender 's the Interior Appraisal of $ XXXX instead of completing the Loan Modification - Loan Assumption process for the widow, Lender orders another BPO on XX/XX/2018 and denies widow for Loan Modification - Loan Assumption process using the $ XXXX value for NPV Test. My understanding and according to the same Lender only one BPO or Appraisal can be ordered every 90 days. The same NPV test also showed that my gross income three times less than showed on all submitted supporting income documentation. The Lender keeps playing with the value of the property. I hope this all a simply accidental issue and not the staged circumstances to victimize the widow by inflammation of the property price opinion and ignoring valid Interior Appraised value of the property done by certified appraiser hired by the Lender itself. I am requesting to postpone the foreclosure sale for the subject property and review the circumstances listed above to complete Loan Modification - Assumption processed for the widow.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My XX/XX/XXXX property taxes were not paid in a timely manner. I contacted Mr. Cooper ( NationStar ) on or about XX/XX/XXXX about the delay in payment and the fact that fees and penalties were incurred on my account. I was assured that the taxes would be paid. On XX/XX/XXXX, I received an email from Mr. Cooper indicating that my taxes had been paid. Again, on XX/XX/XXXX, I received another email indicating that the second installment of my taxes had been paid. 

On or about XX/XX/XXXX, I received a Notice of Intent to File XXXX from XXXX County indicating that they had not received any tax payments. I email Mr. Cooper on XX/XX/XXXX and received a response and attachment showing that they had sent the payments. I called my county tax commissioner and was again told that they did not receive payment. 

I email Mr. Cooper on XX/XX/XXXX and asked about the non-payment. I received no response from them. I posted a review on the XXXX website on XX/XX/XXXX and a representative from Mr. Cooper emailed me. I was able to speak with a " live '' person and relayed the issues I was having with my tax payments. She ( XXXX XXXX ) stated that the tax check had been " lost in the mail '' and would be resubmitted. I have an escrow account, so there shouldn't have been a problem paying my taxes. Now, I fear that if I don't pay the taxes on my own, I will stand the chance of having a lien placed on my home. 

Mr. Cooper has been an absolute nightmare to deal with and it's not getting any better. As a reference point, I filed for Ch. XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I did not reaffirm my mortgage. However, I am still in the home and paying monthly ( on time ). XXXX was the original mortgage holder, but they sold the mortgage to Nationstar in XX/XX/XXXX. They are no reporting my payments and there's no reference to my discharged bankruptcy. 

As an aside, I think the Federal and State governments should consider taking a closer look at Mr. Cooper 's business practices. The vast number of complaints that I observed on XXXX should raise a red flag with banking and financial institutions.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

Resurgent Capital Services is reporting an invalidated account on my credit file that does not belong to me ( Reference number XXXX ). I have never done business with their client nor them. I spoke with someone name " XXXX '' requesting validation of this alleged account and why this company thinks they have the right to report this false information on my credit file. This company is violating my rights, federal and state laws under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2020-09-23
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: Self Financial Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

I fully paid the balance including the total interest fees of my Chase credit card in XX/XX/2018. There is XXXX balance. Now, JPMorgan Chase bank is charging me an extra interest fee ( hidden fee ) for XX/XX/2018 to XX/XX/2018. They did not warn me about the extra interest fee before paying off the balance and closing the account. I would like the U.S. Department of Treasury or another government agency ( that is in charge of monitoring U.S. banks nationwide ) to investigate JPMorgan Chase Bank 's practices and policy for their interest fees and other fees. Millions of Americans ( who are like me ) may have been charged with extra hidden interest rate fees. I hope you would investigate JPMorgan Chase bank in regards of their interest fees, especially hidden extra fees.
Consumer complaint received 2021-07-16
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. (AZ)

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my TRANSUNION and XXXX  credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

TransUnion : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX  : XXXX  XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for TransUnion and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXX CO is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for TransUnion and must be removed from all reporting per the FCRA ss 609 laws XXXX  and Transunion has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the Transunion and XXXX  platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately. 

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp. (TX)

Dear XXXX, I'd like to report inappropriate business conduct from my mortgage company, specifically, a broker by the name of XXXX XXXX XXXX XXXX XXXX. The broker edited my banking statement without getting me or my bank 's authorization. I wasn't aware of this until the lending company sent us the loan refusal notice. You can tell by comparison of the bank statements ( see attachments ). The XXXX statement 's date was illegally tampered with by computer software or other means when compared to the XXXX statement. Even the banker 's signature is in the exact same spot as the other statement. When I questioned Mrs. XXXX ( broker ) about this, she didn't admit it. There was no one else who could possibly do this other than her or her team. My closing date was delayed due to this issue. I also had to extend my lease because of this. 

I was shocked, frustrated, and shaken by what I had experienced. How difficult was it to just ask for permission to get a new bank statement from the bank? How could a professional team do such unprofessional work? At this point, it is dishonesty and fraud. She displayed ignorance, cynicism, and uncivil attitudes throughout the whole process. Even with the forged bank statement, she displayed zero remorse or regret. I feel like I should report this, so others will not fall victim to her dishonest, fraudulent, unfair, and unethical conduct. 

Here is the information about the Mortgage Company : Name : XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX TX XXXX NMLS  ID : XXXX TX License ID : None Contact : XXXX XXXX Contact NMLS  ID : XXXX Contact TX License ID : None Email : XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BB&T CORPORATION (NC)

I was trying to purchase football tickets from an online seller. After communication via text and phone conversation with the seller he suggested using XXXX, which was offered through both BB & T and XXXX XXXX XXXX. The seller suggested using this method because it was through both of our banks and it was secure. He said that it was registered through his bank and that if I did not get the tickets I could file a claim through the banks. None of this is true. XXXX is set up on the banking websites but they do not actually protect from consumers getting scammed. This is horrible business. Any services offered by a bank should come with some sort of consumer protection. If i were to use my credit card for these services it would be backed. this is a poor way for banks to set their customers up to be vulnerable to scams. remove the XXXX app and options until more protection like that offered by XXXX can be offered. requested a refund from both my bank and XXXX XXXX XXXX and neither offered any solutions at all. they expect their customers to just eat the cost of these scammers and offer no solutions.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (FL)

CBE Group is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. CBE Group did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. CBE Group is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.
Consumer complaint received 2019-09-11
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. (LA)

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX****
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (AL)

Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : Signature Payments XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

EXPERIAN IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Loan Amount XXXX XXXX XXXX  acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act.The listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : 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
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by Experian, XXXX  and XXXX  for over two weeks now. I previously had fraud alerts removed from the other two agencies, XXXX  and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. Experian refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by Experian but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by Experian and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.