davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

Requested mortgage assistance for my property with financials XX/XX/2019. The  mortgage company is hard to work with and is not wanting to help me.. I have been trying to get the mortgage back on track for over a year now. Recently I moved in the property to care for my mother who is not in good health, I am responsible for her care. There is a foreclosure sale set for XX/XX/2019. I do not want to lose the house. 
The balance of the mortgage note has come due I need the mortgage assistance to get back on track with the payments and make it affordable. 

Please Help See Attached
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY PERSONAL INFORMATION WAS STOLEN WHILE ATTENDING A XXXX  EVENT. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE NOT MINE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE NOT AUTHORIZED ANY OF THIS INFORMATION TO BE REPORTED TO MY PROFILE. I NOTICED SOMEONE HAS BEEN ATTEMPTING TO GAIN LINES OF CREDIT IN MY NAME. IVE CONTACTED THE CREDIT BUREAU TO NOTIFY THEM OF THIS ISSUE WITHOUT A FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE, FURNISHING THIS INFORMATION TO MY PROFILE RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portnoff Law Associates, Ltd. (PA)

I have a property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Every year I paid my Levee Fee. 

I used to live at XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. I used to received my Levee bill there, I moved out since XXXX and every year from then I contact the Levee office to send the bill to my new address, which is XXXX XXXX XXXX plus I ask the agency to update their file with my new address. I also send a letter to the Levee Office stating my new address, but the levee office fail to update their system with my current address. Because of that I miss XXXX and XXXX Levee payment. 


In XX/XX/XXXX, Portnoff Law Associates located at XXXX of XXXX send a letter to XXXX XXXX XXXX with outstanding balance of {$610.00}. Again I no longer live at that address. The firm claim they send several documents to XXXX XXXX XXXX, however, I never received any document because I move out of that address over 10 years. 

I called the law firm to explained that I moved out of XXXX XXXX XXXX for over 10 years, and I ask if they can reduce the billed because the agency who usually send out their Levee bills fail to update my address in their system, and somehow I missed XXXX and XXXX payment. The law firm refuse to reduce the outstanding balance. 

I would like a reduce fair balance, because this happen because the Levee Office fail to update their files.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CT)

In the years XX/XX/XXXX - XX/XX/XXXX, my identity got stolen and someone started using my Discover credit card. The person would use the card and then they would pay it off. I realized this was happening in XX/XX/XXXX, when a letter arrived to my house saying that a payment had been returned from an account I did not recognize. The person had access to my account and my information. They were using my account and making purchases at some place called XXXX XXXX XXXX XXXX XXXX Fl and to XXXX XXXX in XXXX as well. None of this transactions were made by me, nor were the payments. Payments came from an account marked as XXXX ending in XXXX under the name of XXXX XXXX XXXX. All the payments returned in XX/XX/XXXX, some of the payments date back to XX/XX/XXXX and they still were returned. This left my card with a balance of XXXX when my credit limit is only XXXX. I did not know it was even possible for a payment to return after 90 days, but they all did. Discover says that the transactions are not suspicious and I am responsible for it. I have filed two police reports and created an identity alert with the credit reporting agencies. XXXX and XXXX have deleted the account of my credit report, but XXXX has not. I have tried to talk to the investigators at Discover, but they have not been consistent with what they say. They have threaten me to report me to the credit reporting agencies if I did not start paying the account while it was still in investigation ( XX/XX/XXXX ). I never noticed this was happening in XX/XX/XXXX, because the balance on the account has never been accurate and I have a screenshot of when this happened in the past few months. The balance would say a number but the pending balance would say something else, leading to this never being discovered in time.
Consumer complaint received 2021-07-22
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: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I was charged {$1200.00} by XXXX  XXXX. 
On XX/XX/XXXX, I was charged {$2000.00} by XXXX  XXXX. 
Both charges were to my Citi credit card. 
These charges are fraudulent. I did not make these purchases. 
I contested the charges through CitiBank. 
I received a document stating that the XXXX charge dispute was rejected and I'm responsible for the full fraudulent charge. 
The XX/XX/XXXX charge remains under investigation per my online credit card account, and I do not have to pay this charge until the investigation is concluded. 
To be clear, both of these charges are fraud. I did not make these purchases. 
I have called the credit card company about this multiple times and they repeatedly tell me that fraud is not possible because " your card has a chip ''. 
This is clearly incorrect.
Consumer complaint received 2019-07-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paramount Recovery Systems, L.P. (AL)

In XX/XX/XXXX, I went to hospital emergency. After visit, due to my financial situation ( I was unemployed ), I filed for indigency. The hospital wrote off their portion ( attached proof ), and I also have a confirmation number written on bottom of hospital bill that XX/XX/XXXXwas going to follow hospital indigency application ( all bills follow indigency applications ) and write off their amount due. This confirmation number is written on hospital bill I have attached.

For some reason, florida emergency continues to send it to collections and it has been reported to my credit report on XX/XX/XXXX, XX/XX/XXXX ( proof attached ), XX/XX/XXXX and XX/XX/XXXX. I have successfully had this disputed from my report except fro XX/XX/XXXX when I depended on an experien employee and that was my mistake. XX/XX/XXXX collection fromXX/XX/XXXX thru paramount recovery remians on my report due to experiens negligence. I have disputed this again.

More issues with this are that : amount is incorrect and has been since beginning ( see attached proof ). This bill is from XX/XX/XXXX and therefore is too old to be on my credit report ( again and again ). Paramount recovery is fraudulent in stating that open date for this bill is XX/XX/XXXX. It is XX/XX/XXXX.

I have also included a word document that states these items and was used for XX/XX/XXXX dispute to experian.

I want paramount recovery to stop seeking collection and have it removed from my report.

I want florida emergency to STOP sending it for collection since it is fromXX/XX/XXXX.

I want experian to be more aware and watchful of items that come onto my report and see that if it has rightfully been written off before, it should not appear on my report to start with.
Consumer complaint received 2019-07-18
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. (FL)

There is a creditor on my credit report, XXXX  Bank that is reporting current late payments. I have not made a payment on this account since XX/XX/2013. I have disputed it with Experian for a second time with no resolve. I do not wish to open up a new last date of activity. I would like XXXX   Bank to remove any late payments since XX/XX/2013. As a matter of fact, I would like the account removed completely from my account because they are continuously reporting inaccurate payment information in an effort to start the date of last activity over. I would like this done from Experian, XXXX and XXXX.
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (MS)

I recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I was a victim of unauthorize XXXX money transfer from Chase checking account, I called the bank the instant I found out my money is transfer without my permission. The bank freezes my account to investigate and I went to the bench and opened a new account. Today My new account was empty out due to Chase debt collector to pay for my fraud account that was been reversal due to chase Fraud department cant find any reason the transaction was fraudulent. I complaint to the manager at the fraud department and unable to assist me, she says there is nothing she can do for me. 

Fraud account ( XXXX1 ) Fraudulent transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 XXXX to XXXX XXXX {$1200.00}. 
XXXX to XXXX XXXX {$610.00}. 

Reversal transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 Chase debt Collection took money out of my current account ( XXXX ) to pay for reversal {$1900.00}.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

It is nearly impossible to speak to a live person when calling Experian. The customer service options are terrible, they ask to verify your SSN and address then give you 1 of 2 options, none of which refer you to an actual person! It is unbelievable. I tried to log in online today and it's making me get a text or call for " verification '' before I can access my account, but when I click to receive a text or call, i get an 'oops ' error message and referred to the number to call. This is insane, I can not believe I can ; t get to a person. I need to know something on my report considering I can not see it online and there is NO ONE to help me at Experian. It is business hours. I have tried over and over again and selected every option, even trying to get through to the fraud dept out of desperation. This should not be allowed! They must make it easier for consumers to get in touch with them.
Consumer complaint received 2019-07-18
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: CITIBANK, N.A. (NC)

Dear CFBP I am filing a complaint against Citi for pulling my credit report without authorization. I never authorized them to access my XXXX report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I contacted them at the address listed on my XXXX credit report twice. They ignored the first letter and sent me a form response so I wrote a very detailed 2nd letter and sent the form response they sent me back to them via certified mail requesting them to remove the unauthorized inquiries as they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. Instead of reading my complaint and responding as asked I simply got a form letter saying the inquires were legitimate but not providing the requested documentation proving that these were in fact authorized so a police report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report that I did not authorize. I have attached my XXXX report for reference. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass continues to send all of these letters to the fraudulent address and continues to try and collect on fraudulent debts that I do not authorize. Let me address this again as the previously reported fraudulent accounts BBVA Compass did not address nor do they care that I am a victim of identity theft. I did not authorize BBVA Compass to open ANY accounts in my name using fraudulent information. BBVA Compass opened several fraudulent checking accounts, I count 3. They then overdraft these checking accounts which again I don't have access to and then try and charge ME for fraudulent accounts I didn't authorize. They also opened 2 fraudulent savings accounts. They opened 3 FRAUDULENT CREDIT Cards. They allowed this thief to use my identification and information without even verifying it wasn't me to open credit accounts in my name without my permission. Not only did they not follow the proper FCRA Procedures for the Fraudulent credit cards, They didn't follow the law. On my Credit report I have a Extended Fraud Alert which stipulates I must be contacted first, before opening or approving any accounts. BBVA never contacted me, never sent me any documentation on this, never sent me any cards yet assume I should pay for fraudulent debts that were occurred as a result of a thief. I have not opened any accounts with BBVA Compass, I am a victim of identity theft and I did not authorize them to open any accounts in my name. Please review the proper FCRA laws and go over these to see where you messed up. I am a victim and I want you to clear my name of said fraud.
Consumer complaint received 2022-01-20
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. (AL)

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Consumer complaint received 2019-07-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Integrity Financial Corp. DBA US Loan Servicing (NV)

I am tryig to pay this loa off, they have added over {$30000.00} to the payoff. the principal plus {$30000.00}. I have tried to work with them o lowering the amout
Consumer complaint received 2017-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

The company AFNI , Inc. has reported that I owe an amount of {$230.00}. AFNI claims, and is reporting on my credit report, that it was opened in XX/XX/XXXX. Supposedly, the original creditor is XXXX. I have asked for proof that the debt is mine on various occassions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I have notified the credit agencies and had it removed from both XXXX and XXXX.  However, XXXX continues to say that is a valid debt, when I ask for proof I am sent a generic spreadsheet printout with my name on it and no details of any account. Furthermore, the only time in my life that I have had XXXX was between XX/XX/XXXX and XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The account with XXXX was closed prior to my bankruptcy ending. Therefore, it was included in my bankruptcy and even if the supposed debt was not included in my bankruptcy it would have already passed the 7 year statute of limitation for being reported to my credit and the four year Florida statute of limitation on written contracts ( of which no one has ever been able to provide one ). AFNI continues to " re-age '' this debt on credit report and refuses to remove it despite the fact it is eroneous and not mine.
Consumer complaint received 2017-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-01-13
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. (TN)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2022-12-02
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)

XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

On the XXXX of XXXX, 2021, I received a text from " Chime '' with a security code I never requested and notifying me that the phone number on my Chime account had been updated. I do not have a Chime account and never requested to open one. I found an e-mail address for Chime and sent them an e-mail notifying them of their error and alerting them to possible fraud. I told them I wanted any accounts with my name on them to be closed. This on the XXXX. " XXXX '' responded, but took no action. I replied, again instructing them to remove me from any accounts. " XXXX '' replied. I sent another e-mail, and heard back from " XXXX. '' I replied to this on the XXXX, getting a reply from " XXXX '' who wanted a copy of my driver license. I submitted it, then heard back from " XXXX, '' who asked me to submit it again, but this time in a different format. I can forward this chain of e-mails to you on request. This experience reminds my of the practice of XXXX XXXX when they opened accounts without informing customers. I have sent a request for my credit report to make sure no account from Chime shows there, and I have started the laborious task of changing all my passwords.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I  already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I am trying to buy a home and when the lender pulled my credit they are indicating that there is a judgment reporting from someone by the name of XXXX XXXX. I haven't spoken to that person in over 8 years and then all of sudden a judgement listed on a report? I have never even heard of lexis nexis until my lender told me. I was told this was back in 2012 which after looking at the FCRA it shows that public records other than bankruptcies are only to report for 7 years but this is past 7 years.