davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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: AMERICAN EXPRESS COMPANY (GA)

In my reports a closed account with huge amount of missed payments. American Express is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA American Express has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

Received an invoice from Apex Asset Managment ( a collection agency for XXXX XXXX XXXX ) on XX/XX/XXXX, claiming a payment due of {$22.00} for services from XXXX XXXX XXXX in XX/XX/XXXX. 

I wrote them a letter on XX/XX/XXXX informing them that I had paid all invoices presented to me from XXXX XXXX XXXX, had never received a late notice or invoice represented by these amounts, and requested additional information. I copied XXXX XXXX XXXX. 

I received a second invoice from Apex Asset Management, noting they have not received a response from me. I have not received any response from either Apex Asset Management or XXXX XXXX XXXX.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I was scammed by a cab driver who stole my debit card, cell phone, and PIN by making me swipe it to pay for the ride. They ended up keeping my debit card and I didn't notice until the next morning when I woke up. I had charges for on XX/XX/XXXX while I was asleep for the following between XXXX and XXXX XXXX  : 2 ATM withdrawals from the same ATM for {$480.00} & {$500.00} and another for {$23.00}. 

1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$130.00} 1 Purchase at XXXX for {$81.00} I called them in at XXXX XXXX when I woke up the next morning and told them everything and that my phone was stolen. Today my claim was denied and they did not have a record of me telling the claim department my phone was stolen even though it was. I asked for recordings and they said I need a subpoena. The 2 ATMs were the same as my bank so I asked if they can get the camera footage from that and they said police need a subpoena for that. They said I need to provide more evidence to change the status but I am not in the power of authority to do so.

I filed a police report and fraud packet to my local police dept who is working on it and the bank stated if it takes more than 30 days, the claim will be closed forever.
Consumer complaint received 2018-08-17
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. (NV)

Last year it submitted this police report to all 3 credit bureaus .Equifax omitted to remove all fraudulent inquiries that was not authorized by me from XX/XX/XXXX.

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Recently a company made duplicate credit inquiries on my credit report that I did not authorize. 2 from the same company XXXX XX/XX/XXXX. XX/XX/XXXX Why would the same company pull my credit 2x. I didn't authorize.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to experian, XXXX, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (WA)

I have been contacting Exeter Finance regarding the account they are reporting on my credit since XX/XX/XXXX. I have given them my name, address, social, date of birth and even the account number reporting on my credit so they can give me debt validation for this account I do not recall openeing and each time I call they tell me they can not locate an account with my information. Even after admitting they can not locate an account for me they continue to report this on my credit which is against FCRA laws. I have disputed this account with them and the bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not received any response or evidence that this belongs to me.
Consumer complaint received 2018-08-17
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: EQUIFAX, INC. (NY)

I Cant Log In To My Account XXXX please help me with this problem i Open a Credit Card Account With XXXX XXXX XXXX XXXX In The XXXX they locked my account and i was not able to view my Statement online and see my account please me with this problem i dont know why they locked my card and they locked it because of a Dispute that was already resolved please help me with this problem ...
Consumer complaint received 2019-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OK)

This company is a fraudulent company. They are fraudulent, their dealings are fraudulent, they are engaging in fraudulent activities, government should take note. 
I was looking for a program to sign up and take classes online. I got XXXX College online. for XXXX XXXX XXXX XXXX XXXX  Immediately I called to verify about their program. The guy on phone with me said the price for the program will increase the next day when I told him I was going to think about it and call back the next day. He kept me on phone that when I call back the price will increase that he was going to call me that evening. He called, but was still not ready to enroll. He persuaded me to just sign up with him on phone just for {$10.00} deposit. I said no, but he continued that I have 7 days to cancel. I then allow him. They charge my account {$10.00}, but never refunded as promised. I reported the issue to my bank.

The program was about {$1000.00} that day, that I can finish in less than 2-3 months.

I check the site the next day, the price reduced to about {$670.00} thereabout. I called them to cancel that I was not interested anymore, they promised to reduce the price by {$150.00}, I told them no because I began to become suspicious of their activities and dealings. I wanted to cancel they said no, that they can not allow me to cancel, that I must have to pay them {$150.00}. I did not accept any enrollment. I did not even receive any service, materials, nothing from them. Another person that I talked to said since I didn't receive any service and called to cancel the next day, said that I don't owe anything. 
Less than 2 weeks ago, I received a collection letter from Ability Recovery Services LLC to reply, that I owe {$220.00}. That I have 30 days to dispute. This letter is dated XX/XX/2018. On XX/XX/XXXX, my Credit Profile indicated a new item of {$220.00} has been added to my account. less than 3 weeks. 
I have rejected this fraudulent bill but they kept calling my phone that I must pay it. I called them, they said is my bill that I must pay it. XXXX College is fraudulent, the Ability Recovery Services LLC is  Fraudulent, the government should look into their activities immediately. Please publish this online to prevent people falling victims to their activities, their preys, and their scamming tactics, especially those living out the United State seeking cheap online program in the USA.
Consumer complaint received 2018-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/2018 I brought my XXXX XXXX XXXX to the XXXX dealer in XXXX ca to see of I could lower my payments, they offered me a smaller car a XXXX XXXX XXXX with a car value of {$24000.00}. I traded in my car so the new loan would pay the balance of my XXXX XXXX  and the remaining balance would be added to the new car. When we were going to close the deal the seller showed me a total of {$39000.00}. Due to the price I told the seller I did not want to continue with the transaction because it was to much for a XXXX XXXX XXXX, and I would stay with my original car the XXXX. I was at the dealer for 6 hours already stressed out, when I was walking away XXXX XXXX another seller came over to me and asked what the problem was. I told him the price I was being given for the XXXX was still to much for me. He insisted he could give me a better offer so we proceeded to the office and he showed me a new price of {$37000.00} with payments of {$640.00} a month. He handled everything on the contract and had me sign it and quickly put the contract in the envelope without explaining to me what I had just signed. If I would have been told at that moment that the total would be {$46000.00} I would have never agreeded to leave with the XXXX. There were also other charges in the contract that he never ask me if I want them I had the right to make my own decision, He just added with out explained what they were. On the contract it says I have to pay {$2500.00} by XX/XX/2018 for a downpayment when at the dealer I explained to them that I did not have money for a  downpayment at the time and they said that was fine. I feel as though they were trying to hide information from me to prevent me from backing out of the purchase of the new car. I was never shown the Annual percentage rate, amount financed, finance charges or the total over all payment of the car. 
I did get to see the contract until I got home I call XXXX XXXX many times and they told me he was on vacation I spoke to XXXX Manager and explain him the situation and did not want to help me he said to wait until XXXX gets back on XX/XX/2018 I want my old car back XXXX XXXX  XXXX
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

Mortgage company has not provided requested information to verify debt, only providing a phantom account number which has been a widespread predatory lending practice of mortgage company. My letter sent XX/XX/2018 requested verification of debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1629g. On XX/XX/2018 in a letter from XXXX XXXX on behalf of mortgage company, the original debt owed was crossed out the show a different amount. Many pages of the accompanying loan history is illegible ( unable to read ).
Consumer complaint received 2018-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MI)

I purchased a home in XX/XX/XXXX and my loan was purchased by Home Point Financial. The problem started in XX/XX/XXXX. Around XX/XX/XXXX I received a notification from a credit agency that Home Point had increased my balance. I was concerned so I tried to reach out to the company to get some answers. This is where the problem occurred. I called the number on their website and I spoke with a customer service representative who was unable to verify that I was a customer with Home Point. They transferred me to another agent who also wasn't able to confirm this information through any of my personal information or from the loan number that I receive on my bills every month. Their solution was that I must not have been a Home Point customer. I was frustrated but I called back when I had a printed bill in front me. The same thing happened. I was not able to get answers as to why my balance was reported increased ( even though I hadn't done anything ) which was frustrating but even more concerning was that no one that I talked to could give me any informatino about my account or why they were unable to confirm I was a customer with them. An customer service representative mentioned I must have been affiliated with another company and supposedly transferred me to that company. It was actually just another Home Point Representative who was also unable to verify my account.

I ended up giving up and getting logged into my online account and made sure my balance hadn't increased. I was satisfied with that since I had access to my account online.

I just tried to get logged into my account online and it appears they have changed their platform so all users ( including already registered users ) had to re-register. I tried to do this and again they said they were unable to verify my account.

I just want the service I deserve for paying for this service. I need access to my loan and I need to speak with someone who can help me within Home Point Financial.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under Paragon Revenue Group.

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance.

*Please note this account has been removed from my XXXX credit report , I am requesting for it to be removed from my XXXX  credit file as well.
Consumer complaint received 2018-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I called into the TransUnion credit bureau because my score with them is much lower than with XXXX  and XXXX. After comparing the reports to see what the differences were, I noticed that the TransUnion report stated one of the reasons for my score being lowered was length of credit history. I also noticed that they are missing an account that Ive had open and in good standing since 2006. The other two bureaus are accurately showing this account. When I called in to TransUnion, they told me that the creditor needs to report the account information and monthly updates and I would need to reach out to the creditor. On that same day ( XX/XX/XXXX ), I reached out to the creditor, who confirmed for me that they report to all 3 bureaus and that my account information was being sent to TransUnion. I called back to TransUnion on XX/XX/XXXX and spoke with a representative and their supervisor to try and get this situation resolved. I even offered to get on a 3 way call with the creditor to help resolve the issue. They offered ZERO help and even began to get belligerent as I pressed to come up with a solution. This is affecting my credit score and things I want to do in my life and for them to be so flippant is insulting and unacceptable.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

PayPal has a purchase protection program and resolution service. It is not clear whether it actually fulfills its promise in the contract to provide a genuine or real purchase protection program. My complaint through their resolution program seems to be a joke in that their responses are always in a form letter response, and responses from them have no relation to my complaint or case. In the case of " Item Not as Described '' I received a defective instrument costing {$7100.00} and provided pictures of the defect. They immediately declined to provide protection claiming the third party documentation did not meet their standards when I had not even sent a third party opinion nor had they asked for one. I sent photographs by mail, by email and through PayPal 's Resolution Center. Their decisions are not explained at all, just form letters that are irrelevant. In an obvious case of fraud ( seller claimed that the returned item was damaged in transit when the Post Office and photos confirm it was not damaged at all ) PayPal ignored the claim. In two cases of photos showing manufacturing defects, they apparently did not even look at the photographs. The process of relying on their Resolution Center is cloudy and unfriendly. I believe it is a fraud that they offer protection when they in fact do not.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I moved out from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) reported my name and amount owed to collections agency. XXXX XXXX XXXX claimed that they have sent a notice about my balance to my address. Supposed letter was dated XX/XX/XXXX and didn't have my address at all. I have never received the notice. 

As a result, this balance was reported to collections agency, PROCOLLECT , INC, XX/XX/XXXX. I have notified this agency that the information is wrong, and the letter from the XXXX XXXX. However, they still have my report in collections.
Consumer complaint received 2022-07-25
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. (LA)

i have inquiries on my credit report that are fradulent and i did not authorized 1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXXXXXX XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX  XX/XX/XXXX 13 ) XXXX XXXX XXXX XX/XX/XXXX 14 ) XXXX XX/XX/XXXX 15 ) XXXX XX/XX/XXXX 16 ) XXXX XXXX XXXX XX/XX/XXXX theses are inquiries fraudulent listed on my credit report
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

In previous CFPB complaints, Ocwen Loan Servicing and their counsel stated ; " unable to respond to your complaint because your complaint involves the same issues raised in pending or prior litigation ''. 
Now, what agency, company or person has a lawsuit against Ocwen Loan Servicing? What is the state that the lawsuit is pending or had prior litigation in? Are the lawsuits that Ocwen and counsel is mentioning, part of a federal lawsuit? What is/are the case numbers to each lawsuit pending and prior litigation against Ocwen Loan Servicing? NOTE : these questions are NOT part of a pending or prior litigation! This means that Ocwen and counsel will be able to answer these questions unless Ocwen Loan Servicing is hiding fraudulent activity as I stated multiple times in the past!