davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

This matter is regarding Fidelity Creditor Service claiming that I owe them XXXX for a debt in which they said they were handling for a client. I called the and told them that the amount was incorrect and I wanted paperwork showing the amount breakdown. The Representative named XXXX did not want to send me paperwork. He was being rude and condescending pressuring me to settle without providing me proof of charges. He then claims that I agreed and was acknowledged about the new charges in which I have no email and correspondence from Fidelity. I look the company up on XXXX CA and it shows as a dissolved company which I feel like they are committing fraud and attempting to collect more then what I owe. They did not acknowledge me when I asked for the debt in writing. I emailed them XX/XX/21 asking for paperwork or a contract stating that I owe them that estimation of XXXX. 




On XX/XX/21 I called The original creditor which was XXXX XXXX XXXX and spoke to XXXX XXXX they informed me that I owed XXXX. The amount is totally different from the amount the collection agency told me. They never acknowledged me about the amount I was never sent any paperwork from the company Fidelity
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (OK)

I do not owe this debt its been over 5years on an apartment they claim I owe when me and the company went to court and the case was dismissed without judgement. They are threatening to take me to court when its over the statutory limitations/ and the issue was dealt with in 2014.
Consumer complaint received 2019-09-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

As of XX/XX/XXXX, there is an fraudulent account on my credit report from Bank of America with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with Bank of America. 

I do not have an account with Bank of America. I've never had an account with Bank of America. I have not given anyone permission to use my credit or to add my name to an account with Bank of America. 

This account needs to be deleted upon receipt of this documentation.
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (NY)

I see an account in collections on my Experian credit report which I paid off in XXXX. 

I submitted a dispute on XX/XX/XXXX that the account is paid in full and must be deleted. 

Amount {$1600.00} - Experian Account # XXXX Experian took more than 30 days to investigate and did not delete the information.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MN)

Mohela was the owner of my student loans. The XXXX administration forgave my loans 100 % back in XXXX XXXX XXXX. I have made several phone calls and sent several emails and also corresponded via US mail ( see attachments ) requesting that all Mohela information is corrected on my credit reports and reflects that ALL accounts are paid and full with no late payments recorded.I have since pulled my credit reports and there are still inaccuracies on the report. 15USC. 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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

Please update my name to XXXX XXXX on my report and remove any other variation. 

Please remove the inquires you are showing on my report as they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX, XXXX, XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (OH)

On, or about XX/XX/2018 I responded for a solicitation from Prosper.com for a  preapproval for a {$35000.00} loan. I was approved " pending verification '' of credit, income, etc, for a {$35000.00} 60 month loan at roughly 13 %, with around a 16 % apr. 

I submitted all of my income for verification, and was told that {$50000.00} of my {$200000.00} in income couldn't be verified or used for the loan as it is rental income. They did " verify '' {$150000.00} of income, but told me I no longer qualified for the {$35000.00}, that they could only extend {$25000.00} based on the income they could verify. I agreed to move forward with a new application, verifying they wouldn't pull my credit again ( they used the same credit hit and score for both applications ). They reiterated that this the new loan application for the lower amount would still be a consolidation loan, paying off {$25000.00} of my existing debt, which is the case. 

They came back with an offer which included a rate literally 2x higher then my original offer, sighting higher " debt to income ratio. '' I asked them to lower the loan amount to get the " dti '' in line with the original offer, so I could get the original rate offered ( I did the calculation, and the " dti '' ratio on the new offer of {$25000.00} with the lower income of {$150000.00}, is actually LOWER then it was with the {$35000.00} loan offer with {$200000.00} in income!! ). They said they would not do this. 

This is a clear " bait and switch '' and a violation of banking Regulation B and other Fair Lending Laws. As I understand it, they can not charge a different rate to clients with the same credit profile ( credit score, dti ratio ). They are claiming my rate went up because the " dti '' changed from one application to the next. I know it did not. The lower loan, with the lower income, came to a lower ratio, and should have lowered my rate, if anything. 

This is a predatory lending practice, and should be investigated. I'm sure I'm not the only consumer who they are taking advantage of in this way.
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (MS)

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 604 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

My wife declared bankruptcy and we had a joint credit card account. The company immediately closed the account and did a charge off before even contacting me or giving me a chance to tell them I will still make the payments. I am still paying the account exactly as agreed and have never been late! My credit report is showing a charge off and is not updating the balance! Also says late. This should not even have been charged off without contacting or advising me first. I had great credit and not one other blemish on my report untill this. This one account ruined my credit. I have contacted the bank three times and I disputed the account on my credit report. Nothing is changed or being updated!
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

In XXXX I started to take over out finances and noticed that our mortgage has never really gone down. We started out as XXXX XXXX and then XXXX XXXX was bought out by XXXX, XXXX then sold our mortgage to Nation Star and now we are Mr Cooper. When I asked Mr Cooper about this issue of how our Mortgage of {$56000.00} is only down to {$45000.00} after 16 years of paying. We purchased our home in XXXX and have been making the monthly payment since. We may have got behind on a few payments because of health issues my newborn had when she was born in XXXX but we always made out payments some how. When I looked at the terms of the loan it states we will be paying until XXXX which is 43 years, we only have a 30 year mortgage, therefor we should only be paying until XXXX. Mr Cooper tried to say that right before XXXX XXXX turned the loan over the loan was resigned, this is not true the documents they have have a signature that my husband did not sign, I am not sure who signed those documents but it was not him. Mr Cooper sent me a copy of the files they had on file from this design, BUT could not find information about our loan prior to. I sent them a copy of our original loan and what my husband signature looks like. I am not sure what Mr Cooper did during the turn over but something fraudulent happened because there is no way we have this much to pay on this house. We could have had a better house, its terrible they are taking advantage of people like this. I have spoken to varies other Tax Payers, as I am an XXXX XXXX, XXXX XXXX and they are having similar issues with Mr Cooper and Mr Cooper says they will investigate but they did not, they sent a generic response, they they could not further investigate because they do not have the paperwork from the other mortgage company. 
I would like Mr Cooper to correct our mortgage to reflect that we only owe what we owe the 14 years of the mortgage. I dont understand how a company can do this to people, its terrible. I have a family to take care of and to continue to pay on this house until XXXX is ridiculous that would be two times what its worth that we would be paying. It makes me sick to think of how many people they are doing this to and they are getting away with it!
Consumer complaint received 2018-11-27
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. (FL)

I sent a dispute letter to Experian back in XXXX after reviewing my XX/XX/2018 credit report. I noticed a bunch of inquiries that I never made so they are unauthorized. I sent a a dispute letter with identity theft documents and I never received any correspondence from experian. I want these unauthorized inquries removed from my credit report immediately.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

Hello my name is XXXX XXXX and I have tried and tried calling this company several times trying to establish a legal and binding pay back agreement on this loan and I am being hung up on and disregarded with no regard to setting up payment agreement.PLEASE BE ADVISED I AM NOT GOING THROUGH WITH FILING BANKRUPTCY and is trying to save my credit. I have not been offered an extended pay plan at all although this is what was stated that would be offered upon account default with last cfpb complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status she stated she opened a ticket about it and would follow up with 24 hrs and never did.
Consumer complaint received 2018-11-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (WA)

Please see attached explanation. 
To this Ocwen is filing a preforeclosed procedure after our bankruptcy discharged in XX/XX/2018, started the letter of post petion pay we so called owed, and now retracting stating we owe several months of non payment ( 6months ) of which 5 were received but XXXX payment was returned. Mailed a check with certified letter, responded by returning our check mortgage payment but no expln.
Consumer complaint received 2023-07-27
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (IL)

I found that in XX/XX/XXXX Chase my mortgage company had not been reporting my mortgage payments. After alerting Chase, on XX/XX/XXXX Chase sent me a letter that stated they agree with me and they would begin reporting to the 4 major credit reporting agencies. Listing them specifically including XXXX. 
On XX/XX/XXXX, I wrote to Chase alerting them that my XXXX credit report in fact did not list them at all. XXXX XXXX, Executive Director with Chase, wrote back XX/XX/XXXX and essentially blamed XXXX stating " there's an internal credit agency policy that's preventing your account from showing up on your credit file ''. Chase advised that I contact XXXX. 
On XX/XX/XXXX I spoke in-depth to several departments at XXXX and they do not have Chase as a creditor that is reporting my mortgage payments. 
Despite me telling Chase that I spoke with XXXX, giving Chase a copy of my credit report showing that they are not listed and telling Chase that XXXX  suggested they call them, Chase has not called them or attempted to correct my report. Instead, Chase is deliberately not reporting and deliberately lying to me by continuing to claim that they are. Chase simply keeps telling me they are reporting although XXXX and my credit report proves differently. 

Chase has lied to me for 3 years by claiming they have been reporting. There are 18 years of mortgage payments that are missing from XXXX.
Consumer complaint received 2018-11-27
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. (AZ)

I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with XXXX XXXX. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. Experian is reporting that XXXX XXXX says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.
Consumer complaint received 2018-11-27
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. (TX)

XXXX XXXX Closed/Charged Off Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-11-04
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. (NV)

Credit Bureau XXXX  has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also trans union has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed thank you
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need help.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (FL)

City National charged interest fee on two of my accounts on XX/XX/XXXX, one for {$18.00} and {$1.00}. The problem was I made the payment on-time or so I thought as always on the XX/XX/XXXX of every month, which has been my due date for the past few years since I've been with them. For some reason City National changed the due date to the XX/XX/XXXX on all of my account without prior notice and I just found out when I saw the interest charge. I contacted City National and the agent refused to credit me the interest fees. It would've been fair without prior notice and reminder for the new due date then I would've paid on time and avoided interest. Companies can't just suddenly change payment due date and catch people off guard then charge interest on us.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AP)

I closed my savings account at Citi Bank on XX/XX/XXXX but have NOT received the balance check. 
I contacted Citibank XXXX XXXX regarding this issue 17 times ( 13 times of phone calls & 4 times of online chats ) so far. Each time the answer was basically same : The check is on the way. It will arrive next Friday. or A new check will be issued, and you will get it within 2~3 weeks. 
Five ( 5 ) months have passed since I closed the account. This is totally unacceptable. 
I even asked for other options to get the fund back such as transferring to other bank account, opening a new account at Citi Bank for this fund, or sending the check by certified mail, but nobody in the XXXX XXXX gave me alternative ways other than sending a check by standard mail. 
I sent a complaint letter with certified mail on XX/XX/XXXX, but Citi Bank seems to not receive this letter whenever I check the XXXX tracking number. 

Here are contacts for Citibank XXXX XXXX ( There are only two options to contact. ) Phone : XXXX Mail : XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (AZ)

Company is Barclays Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.