davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
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. (GA)

I am disputed the account XXXX XXXX XXXX XXXX {$470.00}. This amount is not owed and this account is not valid. XXXX/ XXXX XXXX XXXX has denied me access to any documents required by law to prove the validity of this debt. I have been denied a copy of the bill or contract for this account. I have also been denied any proof of authority to collect by XXXX on behalf any company called XXXX XXXX XXXX. I have filed multiple disputes with Consumer Financial Protection Services requesting these documents and they refuse. The only thing XXXX will provide is a one sheet document that says I owe {$470.00}. It is illegal for a debt collection agency to place a debt on my credit report with out any documentation- I have enclosed a copy of documents XXXX sent to me proving no documents were provided
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

On XX/XX/2021, I received a email from XXXX  informing me PHH Mortgage have reported to the credit bureau XXXX, and XXXX  120 lates when they have knowledge I am impacted through the Disaster Impacted with the Covid 19 and working on a work out plan. 

I feel someone personal us retaliation against me and I would like my credit reporting agency report to be corrected. 

Under the American Rescue Act. Anyone impacted with the Disaster Covid 19 the Consumers Credit is not to be reported Late.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I found a account from Capitol One on all three of my credit reports as delinquent. I only have one Capitol one card on my report which belongs to my mother and I am a authorized user. This other card credit limit {$300.00} I have no knowledge of and have been disputing it for about three months now. I disputed with all three credit bureaus, I filed a complaint with the XXXX as well as with Capitol One. I received a letter from Capitol One on XXXX XXXX, 2019 stated that they performed an investigation and confirmed that the account ending in XXXX was opened online and after the performing their review they believe the account belongs to me for the following reasons. ( 1 ) The contact information used to open the account has been linked to me by public records. 
A- My address B- My Phone Number C- My ss # and date of birth There for I'm left with a negative mark on my credit from a card I never had nor asked for. On XXXX XXXX 2019 I saw on the news that XXXX year old XXXX XXXX hacked capitol Ones system. There was a data breech with Capitol Ones system and 100m affected in the U.S and 140k social security numbers was compromised. The information that was stolen was Names, addresses, zip codes, emails, dates of births. The same information that Capitol is stating they used to connect this account to me. Im not stating that XXXX or whom ever she was connected to is the cause of my problem with this company, but I do know that I never applied for this credit card and NEVER used it. There for I should not be responsible for it and my credit reports should be updated.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a an account with bank of america. Almost 6 years ago, I had a secured {$500.00} credit card with them. This card was used to purchase a new bed for my bad back. The card was a front for a check I was to receive from my boss the following week, however my boss at the time refused to pay me and I had to pursue litigation which lasted a year before I could recover payment. In the meantime I couldn't make the payments on the account and it was closed. I currently have alot of cash and piggyback on my fathers credit which is near perfect and has an incredible history. However my score never goes up because of this closed account from so long ago which was due to circumstance. The account was paid off a few months after it closed however It has been almost 6 years with nothing changing. I need my credit to not be affected by this as I have purchases that I need to make that require a good score. I have tried resolving this with the bank with no luck and have no idea what to do.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I was in communication with XXXX XXXX with XXXX XXXX XXXX XXXX for a couple years. He requested I send a deposit for a building I'm purchasing. Then his email account was hacked and I was given the hackers bank info instead of the XXXX 's bank account. I sent the deposit to 'XXXX  ' on XX/XX/XXXX via ACH from Chase Bank for {$21000.00}. I've called Chase Bank and the hackers bank ( XXXX XXXX  ) and both banks are refusing to open an investigation or try to stop the payment. Chase Bank claims this is a scam rather than fraud and XXXX Bank says they can't look into their account unless there is an open investigation from Chase Bank.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

Hello XX/XX/XXXX We recently had our roof replaced on our manufactured home. The cost was higher than we anticipated because the plywood and a few boards also needed replacing.We thought maintaining our home was a high priority, but apparently NOT to the bank that has held our loan for over 20 years CHASE Mortgage. We have diligently made our mortgage payments monthly with only about {$55000.00} left owing. Thinking we had enough equity to get a cash out refinance to pay the roofing company off XXXX continue our mortgage loan without over extending our financial monthly obligations, NO ... .. CHASE wasted our time and money, leading us on for months only to inform us that they were NOT offering these services to manufactured home owners. I was upfront and told them from the start ( XX/XX/XXXX. ) that it was a manufactured home on an acre of beautiful property still they proceeded with the loan process a very stressful process on my part.If CHASE doesn't want to help manufactured home owners then WHY do they even bother to take on or purchase these loans that's what they did to XXXX. Now we have to decide how to afford my husbands XXXX XXXX XXXX medications. He is an XXXX XXXX and on XXXX since being diagnosed with XXXX in XXXX of XXXX. Life is hard enough for him without having to worry about the roof leaking on him BUT apparently NOT to CHASE or should I say the XXXX XXXX XXXX 's of [ It's a Wonderful Life ] which is what they've become. XXXX.
Consumer complaint received 2019-08-02
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. (ID)

I have had my mortgage with XXXX  XXXX XXXX  XXXX for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On Transunion and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (CA)

I keep getting harrassed to pay a debt to XXXX. Unfortunately the company doesnt even exist anymore. My debt was originally a little over 2 thousand because of some unauthorized activity was going on behind my back and i had all these open phone lines and active contracts and 4 years later it shows up on my credit report and now my debt is a little over 5 thousand. The accounts been closed for almost 5 years now so why and how is it so much money and why are they still asking for it when the company doesnt even exist anymore. A debt collector called and was harrassing me over it. Im not sure if i was being scammed or not but i was threatened that if i didnt pay it they were going to harm me financially and now its in my collections. Ive asked many times to leave me alone and they refused they would call me in the middle of the night at least 5 times. I jus need to know what i can do legally to take care of this.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

Hello, I initially filed a complaint in XXXX with CFPB but was unable to locate the reference number of the response. Since that time, my issue is now disputing the mortgage company denial to remove late fees and negative credit reporting entries. The details are included on the attachments that were also sent to the mortgage company. I am waiting to hear back from them.
Consumer complaint received 2024-04-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I've tried using multiple prepaid gift cards I received as wedding gifts online and they are always declined. The company suggested I add the gift cards to XXXX or XXXX XXXX which I have tried and the gift cards still do not work.
Consumer complaint received 2022-07-07
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)

After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX XXXX  # XXXX on XXXX Credit Report, XXXX Acct # XXXX " XXXX 30 days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Consumer complaint received 2022-07-07
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)

After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX  ACCT # XXXX on XXXX Credit Report, XXXX Acct # XXXX " XXXX 30 days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in Equifax data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

This company is reporting twice on my credit, starting that I had 2 loans and they are unable to provide proof to me of the second loan ; when I asked to have the credit report fixed they offered to remove the loan that is accurate, to leave the inaccurate loan reporting with a balance.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

On XXXX XXXX around XXXX in the XXXX  I was robbed XXXX XXXXXXXX  by XXXX men and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, when I woke up XXXX XXXX XXXX XXXX XXXXXXXX  and I couldnt remember much of what happened, but after the surveillance video I was reminded of the traumatic events that occurred. After a few days of recovery, I was able to get a new phone and upon checking {$6900.00} was stolen from account and sent to another hacker on cashapp from the phone that they stole from me, I have filed a dispute and submitted all evidence and Im still not seeing my money!
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I attempted to close this account, and in so doing I was informed that the ending balance was {$220.00}. I was also informed that I had " reward points '' too. I asked if they could be used to pay the final amount? I received an email dated XX/XX/XXXX that said I could. The amount was {$100.00}. 
I then wrote a check for {$110.00}, made a copy of this email, and put it in the mail to Bank of America. Eventually, they cashed the check but never acknowledged the email. Then on XX/XX/XXXX they sent me a letter regarding this, and asked me to call to resolve the problem, which I did. I talked to XXXX people, the first seemingly agreeing with my situation, but the second person said that since I had closed the account the reward money indicated in their email, didn't apply. I refused this as a legitimate answer since the email was dated the same day I closed the account, XX/XX/XXXX? 
They continued to bill me for the difference, charging late fees. I sent them a letter dated XX/XX/XXXX outlining what I had done but, still didn't get a response. 
They continued to send me invoices adding late fees, and at one point I sent them another copy of the letter I sent dated XX/XX/XXXX. 
The next thing I know I receive a letter from XXXX XXXXredit agency warning me about my credit6 score being affected by my not paying my BOA bill, and the effect it had on my rating? All this for a bill I paid? I'm in the process of resolving this ( hopefully ) XXXX
Consumer complaint received 2022-07-07
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)

In XXXXXXXX XXXX XXXX I submitted my dispute via mail to Equifax, I called to check the status and they informed me they did not receive my dispute, I am submitting it this way to make sure it gets delivered
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 : I signed up for an Checking Account for XXXX XXXX XXXX. I received a confirmation email that my account application is pending. On XX/XX/2021, I received the conclusion of my account application for XXXX XXXX and they could not approve my application due to my identity. I schedule an In-person appointment at the local XXXX XXXX XXXX  in my area which is today at XXXX, XX/XX/2021. The Banker tried to help me open an account and he stated that he could not open an account for me because there is a company/organization that is blocking me from opening any bank account, which is FCRA ; Fair Credit Reporting Act. I researched about what the FCRA is and it now makes sense I can't get approved for any bank account. I want to clear my name with the FCRA. There was a incident where my identity was stolen and used to open a XXXX XXXX phone plan. I've tried getting a Police Report, visiting the local Social Security office near me and disputing it off my credit report. Unfortunately, I did not get anywhere. I want to open my own checking account and I have been waiting years for this to be cleared off my identity.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an alleged debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of $ XXXX.Verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) through the physical verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I have requested.They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX / XX/XX/XXXX / XX/XX/2018 - DAY LATE XX/XX/XXXX XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-08-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (TX)

My complaint is that I recieved an offer to settle a debt from GC Service Limited Partnership, on behalf of XXXX XXXX, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and XXXX  on multiple occasions and both agencies refuse to respond. Each time I speak to XXXX about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (KY)

I received a notice in my last ( XX/XX/2022 ) statement that my interest rate was being increased by 6 % effective with all purchases after XX/XX/2022, due to my credit score. I checked my score on their site and it was XXXX or " good '' and has not changed significantly up or down in the past few months. I have never missed a payment on this card or any other account, for that matter. This action, in my opinion, is UNFAIR and ABUSIVE under UDAAP standards.