davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

PREVIOUS COMPLAINT : XXXX SUBMITTED ON XX/XX/2019 Our present offer of a price at {$290000.00} that does not request seller concessions is beyond reasonable and shouldnt be declined when your own BPO value is less and values the property at {$280000.00}. CFPB has regulations in place to enforce servicers/investor to allow foreclosure alternatives such as short sale when a fair market value offer is presented. 

When we submitted the current buyers original offer of {$290000.00} which included a request for 3 % seller concessions ( closing costs ) and you said the 3 % they requested wouldnt be approval so in return they removed their closing costs request and because of that reduced the offer amount as they are not willing to pay so much above the market value when having to pay so much out of pocket in addition. 

I have attached the offer and supporting documents again to the reply. I ask that you PLEASE SUBMIT and encourage approval. Our present offer of a price at {$290000.00} that does not request seller concessions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AZ)

I have filed a dispute against I C Systems with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$1300.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (CA)

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, I also spoken with XXXX at XXXX on XX/XX/XXXX, I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Equifax credit report : ( US DEPT OF ED/XXXX Account # XXXX, Balance {$5200.00}, Open date XX/XX/XXXX ), ( US DEPT OF ED/XXXX Account # XXXX, Balance {$6900.00} Open date XX/XX/XXXX ), ( US DEPT OF EDXXXX Account # XXXX, Balance {$3400.00} Open date XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX, Balance {$5100.00}, Open date XX/XX/XXXX .I did not authorize any of these accounts.
Consumer complaint received 2019-09-18
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: EQUIFAX, INC. (TX)

Equifax showing that I'm XXXX XXXX XXXX XXXX XXXX as in the fifth also requested to remove my freeze FTC new law saids they have a time frame it's been 3 weeks I'm sure it's not that long all FCRA violation
Consumer complaint received 2023-06-28
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: JPMORGAN CHASE & CO. (CO)

I am writing to ask for your support in obtaining a refund for a trip I previously paid for on XX/XX/XXXXXXXX  of {$1900.00} for my 3rd service trip with XXXX XXXX XXXX. I was to go to XXXX and the XXXX trip was postponed due to XXXX, it was moved to XXXX, and moved again to XXXX. XX/XX/XXXX we were notified there would be no trips after XXXX. 

I filed complaints with Chase, even contacting the corporate office. I was told that my complaint exceeded the 540 ( unsure exact number yet in that range ) day rule to dispute a charge. I have since found out that the clock was to start counting when I was notified that the trip would not happen, not when I paid. Thus I am still well within the range to dispute. Chase informed me they follow VISA rules and they have to power to alter. Per Visa on an email to me XX/XX/XXXX, that is not true and each financial institution sets its own criteria. 

Also, on a side note, responses from Chase corporate were via phone calls. I have never received a letter even though they verified that a letter was being sent to my friend XXXX XXXX whom I gave credit card charging privileges on my account when we travel together as she doesn't own a credit card. 

Many XXXX travelers have received refunds. There is travel insurance on our credit cards, and if this doesnt fall under an issue with travel it certainly is covered under paying for a service not received. I just turned XXXX old and I can not afford such a loss, plus I expected the service trip to XXXX would be my last. 

I am hearing from others via a support group that was started for We XXXX XXXX Travelers who lost all their money that you have been helpful and refunds are being issued. I am grateful for your help.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (CA)

XXXX/XXXX has been trying to collect on an account on my business that is for an account that was at a previous address and the account was closed and the phone lines moved to another provider, yet XXXX/XXXX continued to bill me at the old address. I have talked to them multiple times and written letters stating this and they have agreed that it is incorrect. They have since turned the account over to collections with access Receivevables who continues to call and pester to collect this, even though I have also written to them asking for verification, which they have not provided.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

On XXXX I received a call at work from an unknown local number an a person stated I owed a debt of over {$1400.00} for medical services received in XXXX, AL on XX/XX/2018. I stated I did not owe any debt ( I had my files in from of me and all of my records clearly showed that I paid my deductibles and my insurance carrier XXXX paid the balances ). I continued to get multiple calls a day at work form various XXXX  area numbers demanding that I pay a debt that I did not owe and for which I had never received a bill. I asked that they quit calling me and send me a detailed account of the alleged charges. 

I continue to receive harassing phone calls. I am seeking legal relief and am contacting lawyers to see which one best suits my needs. 

I did call the medical service provider XXXX XXXX XXXX XXXX XXXX, AL ( XXXX actually XXXX XXXX XXXX of XXXX Alabama, then XXXX and XXXX ) and was directed to their new billing entity XXXX XXXX XXXX ( XXXX ). After a brief discussion with their representative, I was connected to a XXXX ( XXXX ) who verified that there was a XXXX   balance on my account. She said that there had been several problem and complaints about Phoenix Financial Services that they were having to deal with. While we were on the phone, she sent them a message ( Req. # XXXX ) logging a request to close my account as it had a XXXX balance.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (TN)

On XX/XX/2023 I applied online to open a new checking account with PenFed which includes a credit check. After the credit check was completed the very same day I received an e mail from PenFed about loading supporting documents. I went ahead a followed the procedure to upload the documents and after I was done I received a notification to allow 3 to 5 business days to process. On XX/XX/XXXX I got another e mail to upload my documents which I did and did not think nothing of it. On XX/XX/XXXX I got another e mail to upload my documents. Again I did as requested and received a confirmation e mail. Today XX/XX/XXXX I mailed them asking for an update and they claim they can can not find my documents or files. Please investigate. I have all the e mails that I received from them if you need them. It is very concerning that they can not locate my personal documents.
Consumer complaint received 2019-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I applied for an auto loan at OneMain Financial on XX/XX/2019. 
I was called that the loan has been approved after reviewing all the documents sent to them. 
I live in XXXX and the Car that I found was in XXXX PA where the OneMain Financial is also located The bank called me that the Loan has been approved and I should come sign the documents and pick the car immediately. 
I told them I will come the next day. 
I took off at work and called the car dealer car dealer to let them know we will be coming the next morning The next Morning I started the 4hrs30 mind journey, The bank called me to ask if I am on my way already, i told them yes i am on my way with my wife and kids ( XXXX old and XXXX old ), And she said we are waiting, she said to come with my insurance card and I told her I will do. 
Few minutes later, after driving for 2hrs45mins, the car dealer called that he doesn't understand what the bank is saying that I have to call the bank, He said the loan is not Approved. 
I immediately called the bank and they told me they are sorry that the loan is not approved because of some documents I was in total shock, Not because the loan was not approved, But because they asked me to come, and I took off for the day and have my family in the car, on the road for hours. 
I was told sorry and I had to drive another 2hrs45mins back home My kid took ill and my car broke down on my way back. 
It was just a terrible day for my Family.
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc. (WI)

This company outright lies. A previous complaint was filed. The complaint number is XXXX. In their response they stated they could not send paper statements because we moved and they could not contact us. That is a lie. We have not moved since the inception of this loan. They promised to send us a statement, we won't hold our breath. I will be filing another and another and another complaint when we don't receive the statement. This company illegally gave us this loan. They don't have a license to practice in the State of Wisconsin. I so feel we legally don't have to repay this loan!
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

I was injured by a company 's product. They paid me by PayPal as an apology for the injury. It was a goodwill gesture made by person to person payment. I'll attach of a copy of the PayPal receipt. There was no service or goods rendered. I called PayPal to ask why I was charged a fee, and I was told that there's a fee for goods a services of 1.9 %... okay but this is NOT goods and services. I asked to refund the money to the sender so we could just avoid PayPal all together. The PayPal representative stated that too would incur an additional fee. This is ridiculous. There never should have been a {$2.00} fee. I want you to refund the money you took inappropriately. You shouldn't charge me any other fees. I never want anything to do with PayPal. Such a scam.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/XXXX I received an email from USAA which I still have that says they were going to give me a restitution payment in the amount of {$180.00} due to mishandled requests for disputing payments between XX/XX/XXXX and XX/XX/XXXX. 

Today is XX/XX/XXXX. I have still not received my payment. They continue to give no reason for the delay and even stated they have paid other members this already. My next step is to take them to small claims court. 

If you would be so kind, I see in the news CFPB required USAA to pay this. Please ensure they do what you told them, as they are just being a bunch of cheap liars as far as I'm concerned and will be switching banks shortly after receiving my very delayed restitution payment.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

The mortgage is from XXXX XXXX, serviced by PHH Mortgage I was charged twice an inspection fee of {$11.00}, both on XX/XX/19, when asked for an explanation i was not given one. They just say I agreed to it by signing the loan docs. When i asked to talk to a supervisor i was refused, saying someone will call me back ( which hasn't happened ). 
I was also charged attorney fees of XXXX on XX/XX/19, even though the loan was brought current in XXXX.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (PA)

signed up for credit Karma after divorce to rebuild credit, was informed a soft inquiry would occur, and mislead that pre-approvals would get me cards to increase my credit score and rebuild. INSTEAD, was only approved for 2 of the 6 cards they indicated my chances were excellent and herd inquiries showed on my credit REDUCING or MAKING MY CREDIT SCORE GO DOWN
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

American Credit Acceptance makes it extremely hard at all times to make payments. They charge for every type of payment except for automatic which is sporadic causing returned check fees. The only other way to make a free payment is to mail it in which they say dont do because I might get late fees. The online portal requires you change your password every single time you log in. They re intentionally making it difficult to make payments.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NC)

I was recently surprised to learn that Radius Global Solutions reported a {$61.00} medcial bill on my credit report. Prior to reporting this debt on my credit file, I did not receive my 30-day notice to dispute. Failure to produce this notice is a violation of my rights under federal collection law.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Under the FDCPA Section 807 ( 8 ) : 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 c/o Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ALL have failed to report a disputed debt to the credit bureaus.
Consumer complaint received 2022-10-26
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (PA)

I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX  and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by OCWEN however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!
Consumer complaint received 2024-03-02
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. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

After pulling a copy of my credit report I notice that this collection agency is reporting 3 accounts on my credit report on my credit report.

1. Act # XXXX 2. Act # XXXX 3. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401.  APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
Consumer complaint received 2019-04-17
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. (FL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX {$1000.00} not mine XXXX {$180.00} not mine XXXX {$50.00} not mine XXXX {$820.00} not mine
Consumer complaint received 2019-04-17
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: CITIBANK, N.A. (AZ)

Someone spent XXXX on my Citibank master card on XX/XX/XXXX. As soon as I noticed the charges on XX/XX/XXXX I notified Citibank that was fraudulent activity. This person bought several cruises on my card. I have never heard of the cruise company and I have never ever spent XXXX in one day. I can not understand how this is not flagged as suspicious activity. As of today XX/XX/XXXX the charges are still showing on my statement and every time I call Citibank I get the run around.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX Visa - email sent to upgrade Visa was misleading, did not contain the facts about what was being removed from the rewards program, only included the new perks. 

Compared my prior statement to current statement and discovered that Chase removed the rewards benefit which earns 1 elite night credit per $ XXXX spent. 

Already submitted a CFPB complaint on XX/XX/XXXX for the 15 night annual elite credit that I did not receive in XXXX due to Chase changing their timing yet is practicing discriminatory practices by giving some customers 15 nights in XXXX and other none ( refer to prior complaint ). 

This complaint is deceptive practices, deceptive marketing, violates FTC, fraud. The email from Chase lures the consumer into believing that all the prior benefits are in tact and you are receiving increased benefits by paying only {$10.00} more per year. 

Unfair practices.