davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (IL)

They call me once or twice a day from various different phone numbers with KY area codes/the same area code as my own number. It has been happening for weeks. They've also tried texting me repeatedly. I'm a full time XXXX XXXX and part time worker with XXXX  and various other XXXX XXXX XXXX. They call me over and over when I'm trying to focus and get my work done which is hard enough on its own just due to my XXXX  and other issues. It's really becoming an issue.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX  acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself.
i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information.
thank you
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX CR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (CA)

Writing a claim against the collection agency going by CAPITAL ACCOUNTS. 
Capital Accounts send a collections letter via-mail on XX/XX/XXXX, in which we responded to them on XX/XX/XXXX. 
I disputed this collection for the following reasons ... This medical bill was issued on ; XXXX, and tried to be collected in XXXX. It has passed 8 years since this medical bill was even issued. 
This case was due to an accident which involved my medical insurance, and supposed to be billed and paid by them. 
The collection agency did not honor my legal right, and went straight to hurting my credit. 
I am looking to take them to court, but I do not see any offices affiliated with them in California. 
I would like to open a case against them.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Recovery Services, Inc. (GA)

Rent was {$XXXX} XXXX XXXX was there XXXX, XXXX, XXXX, XXXX, evicted.. Paid garnishment of $ 8,000+.  Now wants another {$XXXX}. Mean and abusive ; thieves.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage company ( Flagstar Bank XXXX has continually treated me with disrespect and made decisions without my consent or knowledge. 

They purchased my mortgage and began servicing it in XXXX, but they did not reach out to me or my property manager. My old lender forwarded payments for three months but ceased doing so then, and I got calls about an overdue payment on my home to a bank that I had never heard of. My credit was affected. 

Last year ( XXXX ) they claimed I was late on my taxes, however my county shuts down their online payment system for several months. My check sat in the mail room during this time, as the office was closed due to COVID. Official records listed my payment as late, even though it was in the mail room the whole time. 

They instigated an escrow account to pay my taxes, and once they did ( and the online payment option with my county was restored ) I immediately paid the full balance and instructed the county to return the check to me. However, Flagstar refused to remove the escrow account, stating that because I was late on my taxes ( i wasn't! ) they had to collect it according to the terms of my mortgage. Since I paid online as soon as I realized the check had not been cashed, my payment data was listed several months later, despite the fat that I had paid well within the allotted timeframe, my check just hadn't been cashed. 

They began charging additional money to cover escrow balance- but they still continued with automatic payments for the mortgage payments alone, on top of the payments I was making for the new balance! I discovered this months later, and had to fight with them every step of the way to get my money returned to me. They kept applying it to the principal, which I did not consent to. And several times I was told that overpayments would be applied to my monthly payments, but that turned out to be a lie as well, and I had to start the whole process over again a second time. 

Finally, the escrow amount calculated was nearly three times what it should have been. I pointed out the error earlier this month and I had to wait two weeks for a clarification, and they made a mistake in calculating my monthly amount due. I demanded my money returned to me. 

Today I got a call saying that money money would be returned, but not the correct amount, about {$1300.00} dollars short. I asked why the discrepancy and I was todl that it was a " cushion ''. They have taken money from me again for a use I have not consented to, yet again! 

I am filing paperwork with them to stop my escrow account but I do not imagine they will agree to do so. At every turn I've been told that no exceptions can be made because " that's how the system works ''. When filing complaints I get calls from people not in those departments who do not have the information I need or the authority to fix anything. Half the time they are rude and blame me for the problems their mistakes cause. 

They have proven themselves to be unsuited for the task of servicing my mortgage.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2022, I recieved a text message that purported to be from Chase verifying whether I had authorized a {$2000.00} XXXX deposit. It looked like a legitimate text so I texted back " no. '' I received a call back and the individual said that they were from Chase 's fraud department. The fraudster walked me through steps to cancel the XXXX transaction. He had me send the {$2000.00} to my own phone number to prevent the money from being taken. I figured what harm could it do since it said the money was going to me. It dawned on me that this was an unusual call so I hung up the phone and called Chase to verify. The Chase representative said that he saw the transaction but that no money would leave my account because " I caught it in time. '' He also called me fortunate for catching it. Minutes after I hung up from Chase, {$2000.00} was transferred from my Chase account to the scammer via XXXX. I filed a claim with Chase who promised to review the matter in a timely fashion. They said I would hear back in 10 days but when that 10 days came and went I called Chase who indicated that the claim was denied.
Consumer complaint received 2016-03-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IN)

We have a Mortgage & Home Equity Line of Credit with JCMorgan Chase. 
The problem we are having is when we filed Bankruptcy Chapter XXXX, JPMorgan/Chase was notified we were continuing our payments for the Mortgage & Home Equity Loan. 
We recently applied for credit & was denied. So when I checked our credit reports I found that JCMorgan Chase had reported we filed Bankruptcy on our Home Equity Loan. Our last payment was in XXXX 2013, they wrote it off & we had a {$0.00} balance. 
This was an untrue statement so we went to our local branch in XXXX, IN to get this straightened out. 
The Chase employee contacted the mortgage dept, after trying to straighten this out, he told her it made no sense & wanted her to explain it to me. 
She explained that since we filed for Bankruptcy they wrote off all our accounts and could not do anything about this. 
I told her we did n't include our home equity loan, she said we did & would need to get an affirmation from our lawyer. 
There was nothing I could say to convince her that this was an error. 
I contacted all XXXX credit bureaus & notified them of the error, sent them copies of the papers I am including along with this letter. 
I talked to a customer service representative from one of the credit reporting agency & was told Chase claimed this was true & they could n't do anything about this. 
We went back to Chase in XXXX & talked to another person who looked up our account & showed us our account is in good standing, our current balance & the payments were always made on time, & could n't say why Chase would n't correct this. 
I talked to another dept from XXXX about getting the info on who it was that was reporting this inaccuracy & told me they have all the info they need to correct this but their hands are tied because Chase will not give them the OK to do it. 
I asked what else I can do to fix this & she gave me the number to contact you.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a Kohls charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The Kohls card was through Capitol One.
Consumer complaint received 2022-03-23
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. (PA)

I was unknowingly signed up for " Payment Safeguard '' without consent by Citi and have apparently been charged and paid fees since approximately 2012. I became aware of it when using a new recurring bill monitoring tool. This was deceptive practices by Citi and they refuse to refund the money spent for years which amounts to thousands of dollars. I have stopped the service and made multiple requests for reimbursement. They did not ask for consent or ever explain what service was and portrayed it as a required fee.
Consumer complaint received 2017-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

dates from XX/XX/XXXX TO XX/XX/XXXX XXXX AND TRANSUNION CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE.
I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS.
XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL.
THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 1. TX BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY XX/XX/XXXX3. MO BANKRUPTCY XX/XX/XXXXINQUIRIES ARE THE INQURIES THAT I DISPUTED.
I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (LA)

Ad Astra Recovery Service has been sending me collection notices in the amount of {$400.00}. This collection has been reported as a past due balance. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature in writing agreeing to any debt nor have they provided me with enough information to accurately confirm that the debt is indeed mine.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC (ND)

A number ( spoofed as a XXXXarea number but providing a number to call back as XXXX ) called myself, my brother, my dad, my mom, a previous employer, and my ex-boyfriend seeking location information about me. They did not provide any indication as to what they were calling about, and made vague threats towards taking " action '' if they didn't hear back from me directly. Upon checking my call screening service, I found that they have called multiple times from different spoofed numbers all identified back to their same main number of XXXX. 

Not only is it inappropriate for them to have called multiple times over the past week, but they then went about spamming my contacts- whose numbers were never provided to them ( none of my family, work, or my ex were co-signers on any loan or other such legal documents, in fact the sole instance in which my exes number was ever in existence was on my contacts/texts themselves. His number was never once used in any form except to enter into my contacts and call/text him. ) nor are they on the same service, so they would have had to have been acquired illegally - and refused to provide any information as to what they were calling about. 

It took XXXX  their provided number to find out what they even were - Orion Capital Solutions, a company I've never received contact from, and is not in charge of any of my debt- to write this complaint.
Consumer complaint received 2022-10-27
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (CA)

I made a payment for {$440.00} on XX/XX/2022 for my XXXX car note payment. However there was an error with my bank that stop the wrong payment. I realized in XXXX that I had a late charged I immediately called Carmax to bring the payment current and to tell them that it was an error. I asked for a courtesy removal of the late charge since it was an error with my bank. They refused to do so. When I have proof that it was an error.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act accounts XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a 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 2022-03-23
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. (NV)

I Supplied Equifax with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report Equifax is operating against federal reporting guidelines
Consumer complaint received 2021-08-18
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: Experian Information Solutions Inc. (GA)

I submitted a dispute to XXXX XXXX, and Experian that they are reporting incomplete credit information on on account with XXXX XXXXXXXX XXXX. I demanded that the account be verified and it has been over 30 days since dispute letter has been sent out asking for completion of this inaccurate reporting. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information Is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hi, my name is XXXX XXXX and I have a mortgage under Citizens One. From when I opened this loan in XX/XX/XXXX to now in XXXX I have been flawless with my payment history and never missed none. On looking at my credit report there was XXXX late payments in XX/XX/XXXX and XX/XX/XXXX which I am 100 % sure I never missed also, I have my mortgage on autopay so this is impossible as to how I was late on my mortgage and never paid my mortgage. I am trying to get my credit fixed up as I am going for another mortgage loan and need this data corrected. Also, I am for certain that there was program going on around the period so these late payments I need cleaned up.