davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

I do NOT have any account with this so-called bank, XXXX or Comenity Capital Bank XXXX Never heard of them. 

They STOLE my cell/telephone number from somewhere and have called me, calling me by a person 's name who I am Not. 

Their phone number is XXXX. 

I received the 1st call on XXXX XXXX, 2021 from a " Mr. XXXX '', ext. XXXX. 

The 2nd call came on XXXX XXXX, 2021 from " Specialist XXXX '' ext. XXXX. 

I want these scammers to stop calling me and to be stopped from hacking accounts and stealing cellphone numbers! 

I have never given my cell number out except to my personal bank, so they must have stolen it from there! 

And why are they calling me in regards to a person I am not!
Consumer complaint received 2021-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

Mortgage Solutions Financial ( MSF ) is the mortgage company involved in my complaint. I am the property owner and I purchased the property on XX/XX/XXXX with escrow payments for the property taxes to be collected, managed, & disbursed by MSF in a timely manner. MSF took the account off escrow in error sometime between XX/XX/XXXX and XX/XX/XXXX. No XXXX taxes have been successfully processed to date, eventhough the MSF tax portal shows disbursements. The money was taken from the escrow on XX/XX/XXXX, but is unaccounted for. Specifically the taxing authorities involved have not received payment. Also of concern is that the disbursements dated XX/XX/XXXX don't include the late fees and as stated have not been submitted to the taxing authorities. Where is the money? 

In a nutshell, MSF is not taking the matter serious and I am being assessed late fees. Here is a synopsis of my actions in an attempt to quickly resolve this issue. 
I received a delinquent tax notice on XX/XX/XXXX for the XXXX County Tax Assessor for I immediately called MSF and was informed that my account had been removed from Escrow Payments in error and that I would receive a letter in 2 weeks advising that the problem was corrected. I paid the tax bill on XX/XX/XXXX to avoid late fees. I paid in total XXXX, see receipt attached below. Between XX/XX/XXXX and XX/XX/XXXX I have not received any update or correspondence about the mistake made by MSF as it relates to the escrow issue. On XX/XX/XXXX I received two delinquent notices from : 1. MUD # 2 original tax amount XXXX, current amount is now XXXX includes a 7 % delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ) 2. R.U.D. original amount XXXX, current amount is now XXXX includes a delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ). 
I checked with both taxing authorities and verified that no payment has been received to date. I then called MSF and spoke with XXXX ( manager in the tax department ) and was advised that on XX/XX/XXXX the funds were withdrawn from my escrow account but the money has not been mailed to the taxing authorities as of today XX/XX/XXXX and can not be accounted for. I sent an email to MSF because I am very concerned about this issue. I am filing this complaint so that I will have support from CFPB that someone in authority will address my concern. My monthly mortgage includes billing for taxes and MSF is holding sufficient funds in the escrow account to cover the taxes. I don't know what more I can do. I've called and called but no one at MSF is assisting me.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2017-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC (CA)

I had a  XXXX  mobile phone in  XXXX . Without a job and mounting debt, I filed Ch  XXXX  bankruptcy  XXXX   XXXX ,  XXXX . It was  discharged   XXXX   XXXX ,  XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In  XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In  XXXX , I sent copies of the Ch  XXXX  petition, copies of the discharge ( both available from  XXXX  ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT  be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that  XXXX  is not owed money due to the  XXXX .
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (UT)

NAME OF MORTGAGE LENDER : NAVY FEDERAL CREDIT UNION CONTACT : XXXX XXXX, Resolution Processing Officer ( XXXX ) XXXX Ext.XXXX  XXXX, Loan Officer/Loan Package Processor ( XXXX ) XXXX ear Sir/Madam : I am an XXXX XXXX Veteran. I have applied in XX/XX/2021 to refinance my VA XXXX XXXX  loan with tNFCU. My loan was approved and scheduled for closing today, XXXX XX/XX/2021. The Escrow is being handled by XXXX XXXX XXXX XXXX in Texas. My property is located in XXXX XXXX XXXX, Utah. 

In spite of repeated requests for my lender, NFCU to send me copies of my Closing Documents, I was denied of my request.I was advised in writing that Loan Closing documents are not sent to Member-Borrower. 

On Monday however, ( XXXX XX/XX/2021 ), I received an email from First Am Escrow Asst. an email with 3 separate attachments consisting of Closing Documents. One attachment has approximately 142 pages of documents. On each page marked DO NOT SIGN FOR REVIEW ONLY. I am unable to read most of the documents because of the markings that covered words and numbers. 

By law, mortgage Consumers must receive the Closing Disclosure no later than three ( 3 ) business days before consummation of their loan. The forms use clear language and design to make it easier for consumers to locate key information, such as Terms of the Loan, Detailed Fees, Interest Rate, costs to close the loan, etc. The Deed of Trust is approximately a 15-page documents. It is so difficult for me to read the fine prints with markings on each page that read DO NOT SIGN FOR REVIEW ONLY!
Consumer complaint received 2021-10-19
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I opened 2 accounts with JP Morgan Chase Bank, The 1st account was opened in XX/XX/2022 which is my Personal Checking Account opened with my SSN along with other documentation, The other account I opened was a Business Account in XX/XX/2022 where as an EIN number and article of organization etc. I had made some purchases with my personal account for merchandise and travel, I didn't receive my merchandise and I canceled my flight on the airline, I also queried the charges and credit was given to my Personal Account as that's where all transaction took place from. However JP Morgan Chase Bank is in violation of the Bankers Manuel as they have closed my Personal Account without notification on the public side off the ledger know the private side of the account is left open for discharging by there corporation ( unfair practice ). To further violate JP Morgan Chase Bank has now broken all commercial merit by lodging a XXXX $ tab to my Business Account causing my business to go down hill into a negative status from the XXXX XXXX to Present as I am unable to use my account to satisfy my clients commercial, One client sent her payments XXXX on Saturday the bank just garnished it unlawfully my Business Account is back XXXX Fdic and so to is my Personal Account why does JP Morgan Chase believe the Bankers Manuel doesn't apply to them, This is also identity theft and Fraud against my employer.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affiliated Management Services (MO)

Affiliated Management Services ( AMS ) posted two collection accounts to my XXXX credit report. One was for XXXX  XXXX {$61.00}, the other was for XXXX XXXX Specialists {$76.00}. First, the {$76.00} the reported was incorrect and under FCRA Section 607 I'm entititled to the maximum accuracy. I only found out about these by pulling my credit report. XXXX failed to issue me notice pursuant to 15 U.S. Code 1692g. On a RECORDED phone call, XXXX agreed to PAY FOR DELETE the {$61.00} with MAWD Pathology even though I had no idea what the debt was or even had it validated. I didn't accept this debt as mine but since it was a low amount I paid it anyway. For the {$76.00} charge with XXXX XXXX XXXX, I sent them a letter revoking any authorization which allowed them to contact a third-party regarding my personal health information ( PHI ). The lettter also stated that I demanded they instruct AMS to DELETE the collection and the check the cashed clearly stated in comments " by cashing you agree to terms of letter dated X '' This was followed up by a call from XXXX in their billing department confirming everything. I also do not have proof a XXXX is on file between XXXX and AMS or XXXX and AMS. I sent XXXX, management at XXXX an email on XX/XX/20 asking for details and he confirmed that they " tried to call me '' before sending to collections but no notice in compliance with 15 U.S. Code 1692g was sent. He did not confirm which number or address they were using. These medical practices and debt collection companies have caused me severe emotional and financial harm by reporting erroneous and inaccurate information and " verifying '' the status with the credit reporting bureaus. They have violated Federal and State statutes in my opinion, as well as XXXX, HIPAA, FACT, XXXX laws. These are predatory practices, as I never received any bills or notices for either of these and the original companies received reimbursement from my insurance for at least 80 % of services. While sending billing information to a third party is a permitted business purpose, it should follow the minmum necessary standard and unfortunately in these cases I don't believe this standard was followed. A XXXX  complaint has also been filed.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Merchant charged my credit card and was not able to provide committed services. I filed a dispute in XXXX, XXXX. First it was very difficult to make it understand to Bank of America. Merchant did some partial refund in XX/XX/XXXX. I called Bank of America again asking for remainder. In XX/XX/XXXX I was over refunded. I paid back over refund charges to as the charge was posted on my account. Now in XXXX statement I got two of the same charges posted on my account again. Each charge is {$1600.00}. Bank of America said that since I got the refund from Merchant, so they are taking back what they credited. First, I never got full refund from Merchant. Second, Bank of America is taking back more than they credited. It is more like a white-collar crime. I have a habit of going through each charge on my bank statement. But, what about people who trust these Banks and pay statement balance without looking at charges.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

XX/XX/2023 my wife made a payment mistakenly to the wrong account as she is XXXX and we have 2 of the same branded vehicles with a XXXX in the name, I typically make all payments on both accounts, however I am a XXXX XXXX and I refuse to text and drive by any means! I checked to see if she made it on the correct account and saw it was for the second vehicle. Called Ally Financial and they talked to me for 35-40 minutes coming to a resolution in which they will apply that amount of XXXX ( regular monthly payment ) from one account to the other, and told me if anything was reported to the credit bureaus to simply call back and they will help me get it off. However they called back 11 days later saying they changed their mind and now they dont want to do it the way that we agreed. I was lied to and I even have a recording of the phone call for my personal records just in case they tried something like this. They also have a recording from that exact phone call XX/XX/2023 in which I asked them to review but I have not yet heard anything about the review process Please help make sure that they are held responsible and not to mislead consumers by telling them one thing and changing there minds 2 weeks later
Consumer complaint received 2019-04-20
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: DISCOVER BANK (GA)

My Discover Credit Card was stolen and used at various retailers on XX/XX/2018 at the stores XXXX, XXXX XXXX, XXXX XXXX, and XXXX which totaled to the amount of {$4400.00}. I quickly reported the issue to Discover who then gave me a temporary credit while they investigated the case. Initially, they stated that I had provided all I needed to provide, but I was then contacted in XXXX by Discover with them requesting a police report. I filed a police report with the XXXX XXXX Georgia Police Department and forwarded the information to Discover who stated that they would contact the Police and get their investigation completed. I was contacted in XXXX by Discover stating that they were unable to verify the police report information when they contacted the Police Department and were requesting I help get that contact information relayed. I contacted the Police department and received a new police report number which I forwarded to Discover in XXXX along with an entire copy of the police report by fax. Discover again contacted me in XXXX and stated that they were unable to get in contact with the department, so I contacted the department again which gave me a new number to send to Discover. After sending the information to Discover in early XXXX, I contacted Discover for a followup on XX/XX/XXXX whom stated that they did not receive a callback from the police department after leaving a message, so they left liability of the fraudulent charges in my name. I requested they call the police department with me on the line so we could get this dispute resolved, but I was told that they would not do that as they felt they had performed due diligence already into the matter even though they have never actually been in contact with the Police Department of the 5 ongoing months of this dispute and Investigation. I have done my best to work with Discover and complete any actions they requested on my part while they are not doing theirs.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Credit Reporting agency did not follow law and completed a thorough investigation by validating and verifying the accuracy of the information being supplied by debt collector also bound by law to report the accuracy of the balances and has refused to do so and to correct the error despited multiple attempts to plead with them to cure the harm that has been and continues to be done to my credit.
Consumer complaint received 2020-02-09
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have submitted numerous disputes to XXXX  since XX/XX/2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual Portfolio Recovery has sent them to base their reporting on or delete this derogatory information Portfolio Recovery is submitting to them. 
I have sent countless requests to Portfolio Recovery for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX  and XXXX  state they are still investigating. XXXX needs to be driven completely out of business.
Consumer complaint received 2024-03-04
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. (IN)

It is XXXX  to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/XXXX  I have sent multiple letters to Credit Reporting Agency regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently. 

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the credit reporting agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.
Consumer complaint received 2023-05-24
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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