davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (CA)

On XX/XX/2022 I received an e-mail with approval for an unsolicited AvantCard credit l9ine of {$750.00} for which I did not apply. I then received a second e-mail stating that there was a discrepancy in the address used on the application not matching with my credit report. 
An inquiry is now on file with my credit report. 
I received a 3rd email on XX/XX/2022 at XXXX XXXX  welcoming me the Avant Card services and received a card member agreement electronically. 
And finally, a 4th e-mail was sent on XX/XX/2022 at XXXX XXXX  stating that my loan application was denied. 

I never applied for credit with AvantCard. I contacted the company and started a fraud case, but have yet to hear from their fraud department.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Upon being denied a credit card that was supposedly guaranteed, I was sent a letter describing why this happened. Apparently, I need to add a phone number to the fraud alert on my Experian credit report, but I can not get through to speak to a human being on the automated phone number, which is the only one I can find. I can not log into my account because Experian has a record of my existing account, but my old password and username would not pull up any matching records. I reset the password through the automated system, but that will not work either, and it is impossible to get any help at all even after being denied credit due to this issue. When companies like Experian determine whether or not I can get credit for a medical issue, they need to actually answer the phone and give people the help they need to resolve a simple issue like just adding a phone number to the fraud alert.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$0.00} 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 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I notice a fraud statement was posted on my credit reports on XX/XX/XXXX.  It seems XXXX  unlawfully created this statement and it was shared with the XXXX and Experian. I immediately called all three bureaus to get it removed, since I did not issue such a statement. XXXX  and XXXX   immediately took the statements down. The Experian rep said they needed something in writing to take down the statement. I faxed them a written statement and my identification that was on XX/XX/XXXX It is nowXX/XX/XXXXand the statement is still on my report. I never issued such a statement nor do I authorize it to be on my report.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-07-21
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My husband died in XXXX. Our home loan was in his name only. Ocwen Loan Servicing LLC, required that I obtain " Letters of Administration '' to be able to speak to them about the loan. I did so. Then when I was in the process of applying for a loan modification there was a problem with one final document. My " Relationship Manager '' had mismarked an item on the document, I spoke to him and others about correcting the item to no avail. On XX/XX/XXXX Ocwen foreclosed on my home. When I learned of this in early XX/XX/XXXX I emailed every department in the company. The research department reached out to me wanting evidence of the issue I had that held up the application which, I provided to them. They then requested new documents with which to proceed with the modification, notifying me on XX/XX/XXXX " Please be informed that our records show that we received the documents on XX/XX/XXXX. Please allow 3-5 business days for the information to be reviewed to confirm we received all the necessary documents. In addition, we have referred the issue to the appropriate team who can take back the Foreclosure. '' Since that date, I have been told that my modification was " under review ''. My account page on the Ocwen website showed that the property had been foreclosed but that I was " under review '' as well. 
On XX/XX/XXXX, A gentleman knocked on my door, told me that he had bought my house, and showed me the Deed in his name. I verified it with the Assessor 's Office. So while I was " under review '', Ocwen both foreclosed and sold my home. I've contacted the Ombudsman for Ocwen and XXXX XXXX, each is looking into the matter. 
On XX/XX/XXXX I was served a 3-day Eviction Notice. I've called, left messages with Ocwen, emailed them, I've had no return contact as of yet. Tomorrow I'm meeting with XXXX XXXX XXXX hoping to fight the eviction at least long enough to get positive results from Ocwen. 
Any help you can be with this would be appreciated beyond words.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc. (TX)

There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX- Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
Consumer complaint received 2018-10-09
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: The CBE Group, Inc. (MO)

A collection agency named : The CBE Group reported a collection on my credit report for the amount of 4XXXX from XXXX XXXX on XX/XX/2018. This is not my Debt, so I contacted The CBE Group and they verified that a person with my same name in California had the Debt. again, I told them this is not me and they asked if my last XXXX of my social was**** and i told them No, my last 4 is ****. CBE then stated that since I was not the person on the collections account, they could not give any further info. I told them that its obviuosly not me on their account, so take this off my credit report, and they stated " sorry, we cant help you ''. I told them I live in Missouri, not in California. They still refused to help resolve this false credit reporting that they made on my credit report. 

The CBE Group XXXX XXXX XXXX. 
XXXX, IA, XXXX XXXX
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

Mercantile Adjustment Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (KS)

On XX/XX/XXXX 3 checks cleared my account through US bank and 3 fees due to the merchant for the checks prior bounce. Leaving a positive funds of XXXX. Later on XX/XX/XXXX two electronic payments posted. One for XXXX would of cleared the other for XXXX did not. Of course the bank posted the larger amount causing more overdraft fees because they prey on low income individuals charging enormous fees. When speaking with US bank representatives XXXX and then the manager XXXX  they both said that checks will post to the account first then any Electronic funds. I was charged for 4 overdrafts fees - one for the check fees and the other 3 over draft fees for the electronic fees. I agree there is validity for 2 fees. There is a reverse of one over draft fee on XX/XX/XXXX for a XXXX charge on XXXX which XXXX said there was not a overdraft until I pointed it out ( I dont she was trying to find it ) .the XXXX service was cancelled. Good job there. But if I didnt point it out US bank would of gained another inappropriate overdraft fee. The manager XXXX was rude and short with me on the phone she spoke down to me sounding hostile and I attempted to point out that I had money in the account but I was treated without respect. 

On a different note Now they offer a simple loans ( Or in other words pay day loans ). I applied for but apparently I am over extended and did not qualify for one.
Consumer complaint received 2021-11-20
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: JPMORGAN CHASE & CO. (NH)

XX/XX/2021 : My credit card was charged {$24000.00} for the replacement value of a rental car damaged in an accident. The rental car company is in XXXX, XXXX, the card was not present for this transaction and card credit limit was {$8000.00}. JPM Chase approved the charge without checking with me. 

XX/XX/2021 : I saw the charge on my card after receiving a credit downgrade alert from a credit reporting agency. I called JPM Chase immediately and the said they would reverse the charge. JPM Chase suggested we call the car rental company. Despite the fact that the rental car company told us they would not charge the card without informing us first, they said they would not reverse the charge as it had already been approved. 

XX/XX/2021 : The charge had not yet been reversed so I called JPM Chase again. They bounced me around between customer service and disputes for 30 minutes. They finally told me they would not be reversing the charge for 15 days. When I asked why this charge was not flagged ( no card present, foreign country charge, 3x the credit limit on the card ), no one would give me an answer, Their fraud prevention department refused to speak with me. 

XX/XX/2021 : The results of this have been devastating. 1. My young adult children who share the card are unable to use the card make purchases of food, gasoline, etc. 2. My credit rating has dropped XXXX points from the low 800s to the mid 700s, making for an uncomfortable conversation with a potential new employer who required a credit check. 

Summary : I believe JPM Chase was incentivized to approve this charge as they know it will need to be paid off over time and they will collect interest over that time period. They also charged me a {$750.00} foreign transaction fee and likely and over-limit fee. We have a claim through their insurance group as the card covers the cost of a damaged rental car overseas. Based on this experience, it seems unlikely they will honor that commitment.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems (CA)

on XX/XX/XXXX I received a voicemail from a caller id blocked number, when i checked the voicemail it said i was going to be served on XX/XX/XXXX, and to call XXXX, when called i told i was being sued for a XXXX bank account and that I was going to be served, when i started asking questions, they hung up on me and now wont take any calls.. upon review I found this https : XXXX They called themselves CRS and associates
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MS)

I have not received my payroll via direct deposit. I always receive it on or one day prior to my pay date, and now, the American Express Serve company has not answered my concerns, or their phone lines regarding why my funds are not credited to my account. They are withholding my pay, and have not offered to reimburse me late fees for my bills, nor overdraft fees for my accounts. I am without any financial recompense, and do not have any money for food, bills or to commute to work. I have no estimated time when this issue will be resolved. i have filed a complaint with the XXXX as well. American Express is not responding to me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I logged into the Transunion website to report an incorrect address but the dispute section was not working. I never lived in GA so this incorrect address needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have had the same address for the past decade XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See attached files.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Contacted a company called XXXX XXXX services on XXXX XXXX after Ive gotten multiple emails stating that I owed a debt into which I stated id pay until I throughly looked at the debt and notice its over 7 years old ..I asked company for original creditor information which was met with silence.They then stated the account wasnt with them and i need to call LVNV funding I called and asked if they could send information in which they said yes but Ive NEVER received anything from them before I asked the company for the said information.The caller also named a debt I know for a fact isnt mine
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I sent a previous complaint XXXX ; this is in follow up. In summary Carrington Mortgage took over my loan from XXXX XXXX  in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00} at 11.2 % interest rate. I was in touch with them and completed loan modification papers. ( My payments are automatically sent from my account ). The XX/XX/XXXX payment was sent on XX/XX/XXXX and it was returned on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XX/XX/XXXX. ( The letter said my current loan and agreement were still in place ). If that is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It makes no sense to me. Any why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt they were deliberately trying to take my home ; this behavior from them seems to be confirming that. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help. I did consult legal on XX/XX/XXXX and was advised to continue to make the payments and sign the paperwork from the housing counselor ( which I did ). I received a letter dated XX/XX/XXXX stating that as of XX/XX/XXXX my mortgage was transferred to XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX, Texas XXXX ) and that payments should be sent there. However, as of today, XX/XX/XXXX, I have received no official paperwork or letter of introduction from this new servicing company. FYI - the automatic payment of {$1100.00} sent to Carrington Mortgage on XX/XX/XXXX was returned to my account on XX/XX/XXXX. This is an update the housing counselor is following this case.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XXXX - XX/XX/2023 amount {$450.00}
Consumer complaint received 2022-06-13
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)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 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
Consumer complaint received 2021-09-20
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. (AK)

Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) Transunion fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (GA)

I need tax documents from my deceased mother 's savings account and mortgage with Third Federal Savings & Loan I have been requesting these forms and provided all documentation they have requested since XX/XX/XXXX. 

They refuse to provide these forms which are required by law to be provided. I need to file her income tax for last year and need this documentation. 

It should be noted that I have closed two of her accounts with Third Federal so they are willing to give me her actual money, but refuse to provide the tax documents.
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/XXXX/XX/XX/XXXX XXXX XXXX sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/2019. And now XXXX XXXX just sold the debt to Midland credit again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?
Consumer complaint received 2022-07-21
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.