davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!
Consumer complaint received 2022-11-20
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-03-22
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-25
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. (TX)

Ive disputed several times to XXXX XXXX, and Experian about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and XXXX  is nothing reported, Experian shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.
Consumer complaint received 2021-06-25
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. (CA)

I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I paid off my credit card in full with Captial One on XX/XX/20 the bill was due on XX/XX/20. At XX/XX/20 The company charged me interest on the amount I paid off so I called them to rectify the situation. I was told since my statement says " If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance ''. I was told " each month '' was the key word and that since I did not pay off the bill in full for consecutive months I get charged the interest for every day I had that balance prior to paying it off. The statement used the ambiguous terminology of " each month '' which sounds like each month you have a chance to pay the balance in full to avoid paying the interest.
Consumer complaint received 2019-08-27
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. (FL)

THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A loan was taken out with Bank of America in XXXX for a conventional loan. The loan was financed with 5 % down which incurred a monthly private mortgage insurance ( PMI ) fee. This loan was subsequently sold to XXXX XXXX making XXXX XXXX the loan holder. In XXXX, as the property value had increased, and the loan was paid down, an appraisal was made by a lender approved appraisal company, XXXX XXXX, indicating that the current loan to value ratio was at 79 %. Since XXXX XXXX indicates that they would remove PMI when the LTV is less than 80 % the PMI at that point should have been removed. Bank of America which no longer owns the loans should not be allowed to charge a PMI when XXXX XXXX does not charge it. The Homeowner Protection Act indicates that the law was intended to protect against Excessive PMI coverage that provides little extra protection for a lender and does not benefit the borrower. By setting an arbitrary requirement below what the loan holder, XXXX XXXX, is requesting, Bank of America is violating the spirit of the law. Anything in excess of this requirement would be considered Unearned Premium. Bank of America is insuring a product that they do not own, and this is costing the borrower thousands of dollars with no benefit. 

Bank of America also states that a request to remove the PMI can be made when LTV is under 80 %. This becomes a moot statement if the request can be denied even when the assessed LTV is under 80 %. Bank of America should not be allowed to set limits below LTV limits below what is required by law.
Consumer complaint received 2018-10-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court. 

Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to Bank of America. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. 

In addition, XXXX Bank  itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. 

The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by XXXX XXXX XXXX , XXXX , the servicing agent on the account. 

The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents. 

XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX. 

Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. 

As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. 

I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' .
Consumer complaint received 2023-03-22
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00} This will be my follow-up complaint in line with my previous complaint
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (IN)

I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
Dynamic Recovery Solutions has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that Dynamic Recovery Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.
Consumer complaint received 2021-06-25
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. (FL)

Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to XXXX  and Experian continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!!

The following fraudulent accounts are 1.XXXX XXXX XXXX XXXXXXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC Report
Consumer complaint received 2019-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

We filed the following complaint against Chase through this website. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account But disappointingly, we have been told they can not help us because we are not their customer and there's a third party involved - I assume they mean the con man who has been using Chase to cheat people of their money. We've been told the case is closed. That's simply unacceptable, especially in this day and age of Internet scams. Banks are the loophole. Scam artists are using banks to take people 's money. Banks and the Consumer Finance Protection Bureau must do more to stop this. I understand you can not discuss the account holder/scam artist in question but you can at least explain to me what Chase 's general procedures are when faced with such complaints. 

1. Do you freeze the accounts? 
2. Do you launch an investigation? 
3. Do you take evidence from the victims of the scam artist? 
4. Do you blacklist such account holders if you find sufficient evidence they are using your bank to take people 's money? 
5. Do you do anything to stop this from happening again, for instance by REALLY checking the ID of people who open accounts and making sure they are not fake IDs? 
6. Do you forward the complaints, evidence to the FBI 's Internet Complaint Center ( ic3 ) so they can track down these people and file criminal cases against them. 

Or does Chase simply take people 's money, loan money to earn interest and do nothing more for consumers? 

Do banks like Chase understand that you exist, your jobs exist because of something we the consumers give you - that's TRUST. If we no longer trust you and believe you have our best interest in mind, why would we put our money with you? 

My next steps are to tell everyone I know and publicly on social media the sad incident that happened to us and to urge my family and friends to not put their money with companies that do not have our best interest in mind.
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (GA)

I recently reviewed my XXXX  and XXXX  credit reports and noticed collections on my credit report. The following are the collections : Transworld System Inc -- Original Creditor, XXXX XXXX XXXX in the amount of {$660.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX XXXX - for {$660.00} and {$170.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX for {$89.00}. I have disputed this account with the credit bureaus on several occasions.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OR)

sent payment of XXXX XX/XX/XXXX then XXXX XX/XX/XXXX called bank for an hour transferred to different reps ask for supervisor not came on phone!!!!!!!!!!!!!!!! BAD SERVICE XXXX was put in suspence account why? no call at all and payment keeps going up
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX  Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I initiated a XXXX XXXX  XXXX XXXX deposit to my bank account. On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX. The instant deposit is supposed to credit your account immediately for a fee. The mine did not deposit into my bank account until XXXX days later I had to file a dispute with XXXX and fifth third bank XXXX days later, after following the dispute, the phones became available in my account. However, I had XXXX transactions that came through the account that was not covered because they did not put the funds in my account which was requested to be done instantly because of this XXXX charge me XXXX overdraft payments of {$34.00} each. I contacted this third and was told that they were having issues with XXXX and XXXX XXXX, not depositing monies as they were supposed to but yet still could not refund me my {$74.00} that was charged to my account. This was charged due to no-fault of my own. This was on fifth third bank or XXXX XXXX. I called XXXX XXXX and ask them to give me the funds back and they said no as well so XXXX is blaming fifth third. Fifth third is blaming XXXX. Again fifth third stated that they were having problems with XXXX in terms of depositing money into customers accounts so if you know this information, why are you charging the customers fees because of this
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

In 2014, my now ex husband and I purchased a home in Arkansas with the knowledge of foundation work being done prior to us moving in and with the knowledge of there being a warranty. I found out that the warranty expired in XXXX of this year. The home is now sinking. We have multiple cracks, some wider than others. One end of the house has dropped almost 3 inches. The other end inside the garage has started to split in multiple places and also inside our laundry room located on that end as well. We have contacted multiple companies and received estimates on how much it would cost to repair and the amounts are in the thousands which we do not have. I have contacted my mortgage company to file for a lien release so we can give the home back and just move out but was told that they could not do that due to the company not wanting to take the loss. The damage to the home is slowly getting worse and the mortgage company doesnt care. My complaint is the mortgage company is refusing to work with us on this issue and as stated above its getting worse and my husband and I do not make enough to cover it
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

As of XX/XX/2021, PNC has not moved to open Covid foreberance, not allowed my PPP 2nd application ( which has been approved in XX/XX/2021 ) to be processed and not allowed a business checking account to be given a credit card instead moving the card application to the personal checking account which would not allow for purchase of business property with Covid relief packages through various DC local programs.
Consumer complaint received 2021-06-25
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. (CA)

I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED ZERO RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!