davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

2 years ago I decided to change the primary credit card in my household to the Citi double cash back card. I had previously been using a card that provided frequent flyer miles and had been using that card as the primary credit card in my household for over 10 years and I have never carried a balance. My previous credit card had a credit limit of $ XXXX and when I applied for the Citi card I told them over the phone that I needed at least a $ XXXX credit limit for the card to be useful to me. They approved my credit account via email with a $ XXXX credit limit. I called them to complain and they told me it would increase rapidly over time. In XX/XX/2019 the card limit was increase an additional $ XXXX for a new credit limit of $ XXXX. About 2 weeks ago I updated my income and mortgage information through the Citi app and requested a credit limit increase. The increase was denied. So I called them to ask for their credit limit qualifications which they would not provide. I have an annual income of $ XXXX and a current credit score of XXXX ( was XXXX until we went over the $ XXXX credit card limit ). I own my home and have $ XXXX equity, I don't carry any credit card balances and my debt ratio is less than 10 %. My mortgage payment is {$1700.00} per month. My complaint is that I know that there are lots of Citi double cash card owners that have credit limits well in excess of $ XXXX and I would say that most of those do not have the earnings, credit score and  minimal debt ratio that I do. So I feel that I am being discriminated against because I pay my balance off at the end of each month and in reality I am not the type of customer that they want. They don't get to charge me annual fees, late fees or interest and they have to pay me 2 % cash back on all purchases. I lose money on customers like me and I believe they are holding back the credit limit that I am qualified for because they don't want to lose even more money on my account than they do today.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

These a second complaint trying to resolve this matter, in previous communication your company had stated that was going to remove this account ending in XXXX from the three credit bureaus. however XXXX still showing this account this is inaccurate reporting, please have them remove such account from my XXXX credit report.
Consumer complaint received 2019-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Hi, I initially reported all of the fraud on my TransUnion credit report on identitytheft.gov, and according to the FTC 's instructions I sent TransUnion a letter indicating which debts were not mine, and that I was a victim of identity theft. I received a letter from TransUnion indicating that they will not investigate the identity theft and fix my credit report. I spoke to someone from the FTC and they said that under FCRA ( a ) " Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. " I literally fulfilled all of the 1-4, and even provided the FTC identity theft report. According to them in FCRA B, they rescinded to block the fraudulent information. Honestly, I don't know why they did this, and I didn't benefit from this fraudulent activity. My credit is ruined, and my home buying process is delayed due to this experience, and my credit cards have been affected by reducing my credit line. All of this experience has been horrible. Today I called TransUnion customer service due get clarification to this letter, and the agent advised me to get letters from each creditor, and send it to TransUnion. As of date, I have not received any letters from any of the creditors to fix my credit report, and as a private company all TransUnion does not follow FTC rules. Also, under FCRA 605 C, " ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' Seriously, how could an identity theft victim receive any benefits? My credit report is wrecked, and TransUnion refuses to follow the law to recuperate my identity.
Consumer complaint received 2016-12-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA (MO)

My loan is an XXXX loan. I was just told for the first time today XXXX/XXXX/16 that there is a guarantor XXXX that is keeping me from being able to do a cash modification because my income has been greatly reduced and I am currently on short term XXXX and I 'm not sure when/if I will be released to go back to work. I was shocked of this news and very upset that I had never been told of the guarantor b/c I have tried to get lower payments in the past and was turned down. I do not want these to go into default I 've exhausted all avenues and talked with many reps from Mohela all of my loans total XXXX monthly that 's for XXXX XXXX Loans and XXXX Cash loans. There was also a change on my credit report showing XXXX Mohela accounts were added and XXXX were removed which looks sketchy and of course nobody could tell me anything about. I can upload screen shots of it if needed for explanation.
Consumer complaint received 2023-07-26
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I have tried several times to dispute the information on my credit report from this company. Through both the credit bureaus and directly from the company. I asked for a debt validation letter which they did not provide. They never sent me any initial letter showing that they are trying to collect on this debt. It just appeared on my credit report. Also it is my understanding that this company is not licensed in my state to collect debt in my state. This company has also had to pay millions of dollars in fines for illegal debt collecting practices and illegal credit reporting practices by violation the FCRA. 

two accounts {$790.00} {$1000.00}
Consumer complaint received 2022-04-03
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. (TX)

In accordance with the Fair Credit Reporting act 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 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 2019-06-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH Ocwen loan number XXXX XXXX XXXX XXXX XXXX CA have been trying to get a loan modification my principal residence my husband is a XXXX XXXX XXXX veteran we are XXXX and XXXX years old. The home has been in my family for 67 years. I received a streamline mod of XXXX a month way more than we could afford on a veteran and social security XXXX income Ocwen/PHH knew it is not 31 % of our income. On the documentation there was a place to sign for a short sale on XX/XX/XXXX I signed it and procured a realtor. We received a great offer. Here is what happened next. They emailed today the day before my sale and said they did not have any documents In response to the email received I have now faxed 52 pages to them again at the number they provided. 
These same documents were emailed to Ocwen Mortgage On XX/XX/2019. On XX/XX/2019 I spoke with XXXX ( employee # XXXX ) at PHH Mortgage who advised loan transfer had not been completed, to call back on XX/XX/XXXX at which time ALL documents should be in the system. 

On XX/XX/XXXX I spoke with XXXX ( employee # XXXX ) who confirmed that ALL documentation had been received and that I would receive a phone call from the short sale Department within 2 business days ( i.e. XX/XX/19 ). 

To-date I have received no communication either by phone or email from the short sale department until XXXX this morning when they said they dont have the documents. 

I have NEVER been able to reach the Relationship Manager assigned to this file, XXXX XXXX XXXX either by phone or email. 
He has never responded to an email sent to him or to voice mail messages I have left. 

I find the " delay tactics '' being used by Ocwen/PHH Mortgage to be extremely unethical and am at a loss to understand why they would not wish to entertain an offer on a property. 

While sending this email, I was on hold waiting to speak to XXXX XXXX XXXX for the last 45 minutes - again I question if there overall intention is to provide assistance or not. 

Delay tactics no one to talk to? My husband and I are trying to do the right thing on a mortgage that is really not even valid. As far as I am concerned Ocwen/phh is stealing and we the senior citizens veterans normal people are XXXX forever. How can you not do something about this company? I thought you are to protect the consumer! XXXX XXXX
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/22, I paid XXXX {$480.00} on the internet with my Capital One card for a shipping service on a crate of silicone calking tubes from XXXX, CA to Georgia. I received the XXXX of XXXX and the shipment was picked up and delivered. This should be the end of contract between XXXX and me. But on XX/XX/22, after delivery, XXXX, charged me {$200.00} for unknown reasons. 
Such charge was not discussed with me via telephone calls nor by email, and certainly was not authorized by me. 
I contested with Capital One credit card, and they set up a case number : XXXX. Capital One applied {$200.00} credit to me on XX/XX/22. Merchant replied to Capital One with many pages of internal documents that made no sense to me. Not a single page of the documents given to Capital One showed my authorization for this second charge. 
Capital One reversed the credit and charged me back the {$200.00} on XX/XX/22, then closed the case. 

This is a blatant violation of the basic principal for credit card use. A merchant who is given the consumer 's card number for a purchase, can not charge the second time or the third time or the fourth time... .. without authorization. 

Capital One has missed its duty to protect the consumers. A very important function for us to use a credit card for purchases. It is a terrible credit card company.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

An unknown person opened a checking account on-line using my information. The account was opened at Bank of America. I live over 60 miles away from their nearest branch. I have never had an account with them. The unknown person hacked into my savings at XXXX XXXX  and transferred {$2800.00} on XX/XX/2022. I called Bank of America to report this. After being transferred 4 times I finally spoke to an agent who said the account would be shut down. I closed my savings account and opened a new one after XXXX XXXX  returned my money due to this being fraud. I thought this was taken care of until I received another statement from Bank of America showing me in the negative {$280.00}. I called them again just to be informed that it was automatically re-opened because a few cents was deposited into that fraudulent checking account. After the deposit when in the unknown person did a transfer out of this fraudulent account putting it once again in the negative. That account should of been flagged and permanently closed. Which is what my bank informed me. So someone did not due their due diligence and my credit is now suffering because of this. I need this account that I did not open, authorize and reported fraudulent, closed.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (GA)

I received the Indigo card services By Genisis FS Card Services XXXX Approximately 3 months ago. I have sustained a leg injury and have been out of work for several months now. I have gotten some calls from the organization after explaining to them the circumstances.
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2017 I had an overdraft line of credit debt with Citizens Bank. I was given a credit in the amount of the debt by a XXXX in a RI branch. I had paid a total amount in the amount of the debt of XXXX besides the credit that was given. Citizens bank is not finding the credit or the payments of XXXX and have reported me on my credit reports owing an amount that I have paid them, XXXX. I have called the Company numerous times and they had even admitted their mistake but will not do anything to correct this. This debt is paid for and credited once therefore being paid for twice now they are asking me to pay a third time.
Consumer complaint received 2019-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I am a XXXX-year-old retired XXXX XXXX that has been fighting a serious XXXX XXXX diagnosis and serious XXXX medical issues like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I just can XXXX XXXX, these medical conditions left me financially ruined. My income is less than {$2000.00} including my {$1100.00} pension, {$140.00} social security and {$450.00} in TSA that will ends at the end of 2019. 

I have been attempting to communicate with all my creditors including CHASE to advise them of my situation, even I called Chase mortgage assistance and ask for any financial hardship programs that they may be able to offer me to help me keep a roof over my head. After losing my husband, I have no immediate family and live alone. I have tried to reach out to CHASE for assistance, but they were not able to offer any type of assistance, and I just received a notice advising me of their intention to foreclose and leave me homeless. This is astonishing to me ; I am fighting for my life and now Chase is trying to take my home from underneath me.
Consumer complaint received 2018-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (FL)

Three percent rate is almost 800 percent, took two loans out first loan, I payed back in full, second loan I got sick, and the money I have payed them has been more of what I have taken out, and they still want XXXX which is a joke, but I still said I will pay XXXX a month until its paid off but 800 percent is so crooked, give me a break, thats a scam
Consumer complaint received 2017-05-26
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: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I contacted XXXX XXXX and 1st Investors Financial SErvices about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. XXXX XXXX sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract XXXX to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score to decrease and I want these inquires removed from all there reporting agencies immediately.
Consumer complaint received 2022-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (IN)

I hired a firm to install a door in my home. The salesman offered financing through XXXXGREENSKY. I was not sure I wanted the financing. I was told I could apply for it and change my mind within a short period. Three days I believe. I applied but changed my mind the next day. The salesman acknowledged I could pay the cost through my personal credit card instead. Later I was suprised to see XXXXGREENSKY appear on my credit report with a balance outstanding. I asked to have the item removed from my credit report, and XXXXGREENSKY refused. Incidentally, the firm failed to install my door, so I do not owe anything to anyone for this project
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized.
Consumer complaint received 2022-04-03
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B