davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing, LLC was the servicer on my mortgage loan. They self identify themselves as a debt collector. In New York State, the Statute of Limitation on collecting a mortgage loan on real property is six years from the last payment made. Ocwen knows, or should have known, that my last payment was made years before foreclosure papers were served on me, in XX/XX/XXXX, yet they continue their attempts to collect on the debt. I recently received a Mortgage Account Statement from them dated XX/XX/XXXX.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is in violation of my consumer rights. XXXX XXXX has taken information from the PACER system and sold that information to other reporting agencies. 
XXXX XXXX is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. 
XXXX XXXX is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. 
I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. 

XXXX XXXX is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX XXXX any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. 
Lastly, XXXX XXXX has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Consumer complaint received 2018-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (AZ)

On or about XX/XX/XXXX. 2018 we received a letter from SunTrust Mortgage stating our account was past due.

We found this to be strange as we have automatic payments and the money was taken from our account.

My spouse called SunTrust the same day and the representative said that we are not in arrears and the mistake was theirs. My wife asked for a letter to that effect and was told their was no need for a letter and not to worry. 
On XX/XX/2018 we received another letter about the delinquency of our mortgage and that it is a serious matter. I called SunTrust on XX/XX/2018 and was told that the letter was automatically generated do to the glitch in their system and to ignore it. i stated that i could not ignore the problem and would like a letter stating that we were not at fault, in case the problem arose in the future. I was told to call their customer service at XXXX. 
i called that number and was told that they were a different company not affiliated with SunTrust. 
We are beginning to suspect this a scam and would like help in obtaining written acknowledgment from Suntrust.
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Opened a checking account in XX/XX/XXXX at Citizens Bank in XXXX Pa at which i told the Manger that i may own the bank money for a old account because i was part of law suit in which i was refund money for over draft fee so the manger checked and said i owed nothing to the bank and she opened the account then on XXXX/XXXX/15 the bank took XXXX from my account with out letting me know in doing so they could me great financial stress i am a XXXX vet on a fixed income my Account number XXXX
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My mortgage loan was sold to Citizens Bank NA a bunch of years ago, I did not choose this bank to service my loan. I paid off my mortgage back in XX/XX/XXXX, and received confirmation that it was payed off. I have been waiting for my mortgage satisfaction/discharged ( to close out the lien ) to be recorded along with paid off loan documents to be sent now for over 5 months! New jersey requires a satisfaction/discharge to be recorded within 30 days, it has now been close to 5 months with no signs of any recording of any cancellation/satisfaction/discharge! All I get from customer service is 'our lien release department is busy, please wait longer ' after reaching out multiple times. This is unacceptable, this is violating NJ state law ( XXXX XXXX XXXX ). I have also reached out to XXXX, where they sent me a copy of the discharge paperwork, however the documents have not been recorded by the count clerk, and is verifiable online. I have reached out countless times, and am getting nowhere, and have waited long enough and wasted enough of my time tracking this down. This is for mortgage account/loan number XXXX. 

Dates with customer service discussions : XXXX XXXX  Complaint : XX/XX/XXXX, a discussion on phone on XX/XX/XXXX, left a voicemail without return to Chairmans office on XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Deducted XXXX points from my fico score for late payment that was there in error. for XXXX XXXX change status but Credit Bureau did not give me my XXXX points back on my fico score in accurate information. They still will not give proper points back reading wrong across all credit bureaus.
Consumer complaint received 2021-06-11
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: Lending Club Corp (PA)

I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-11
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. (IN)

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( Equifax ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-11
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. (IN)

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXXA, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( Transunion ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

My savings and checking was hacked into 6 times within 3 days ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) of each other. The total amount was XXXX. I was fully refunded but what does banks do to protect you? I was the one who alerted the bank of fraudulent activities. The Manager of the bank was very nice but not knowledgeable on how we can stop this from happening. I never received an alert from them. I had to call the fraudulent department of the bank to let them know what is going on and they too were not helpful. I am a victim of Identity theft. I took all the necessary precautions with everything and I was still hacked. I now fear that my SS number is compromised. Now I am very spectacle about if any banks are safe.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have received numerous collection letters from Midland Credit Management. I responded several time with debt validation requests. I have certified proof that they received my letters. They have yet to provide me with information that i have requested from them. Instead they continue to send me the same letters asking me to provide them with a written explanation and documentation demonstrating any errors on my credit report. According to the law, if a debt can not be properly verified it must be removed. The burden of proof is on them. I demand they either send me contract with my name and signature or delete this entry from the bureaus immediately. I am aware of my rights.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-04
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. (TX)

I rented a home that offered a vacation rental with clenaing fees for pets put on as an additional charge, and the original cleaning charge being included in the base rent. As a guest, the landlord claims I caused damage. In dispute, I asked for PRE photos and the landlord provided none, thus being unable to substantiate the claim. As well, the landlord blamed me for things which should be included in regular cleaning fees. He cited cause for cleaning the couch at an abnormal rate of {$75.00} which is an excessive amount of hours to pay for one half hour extra of work in vacuming a couch. As well the pet fees were over {$200.00} and would've covered any excess time for their specific concerns. I submitted the dispute for chase to review and they never even contacted me to receive my proofs of the landlord unsubstantiating the charges.
Consumer complaint received 2024-02-13
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. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. Capital one credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by Capital one credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I exchanged currency with one of the university student about 15000 dollar. 
A few days later, the Bank of America called me and tells me they need to close my account and freeze the balance remain in my account. 
I try to open an new acccount in XXXX XXXX, and they open it at that time but close it the day after that. So I still don't know what is the problem with my account. And by checking the XXXX report, I see that my account has been reported as suspected fraud activity by Bank of American. So I go to police and file the report of fraud. 
The police report number is : XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage provider is LOANCARE https : //www.myloancare.com/ I already paid the mortgage on XX/XX/XXXX for the amount of XXXX. I accidentally paid it again on XX/XX/XXXX {$3000.00} so i called Loan Care on XX/XX/XXXX for reversal and they weren't able to help me and asked me to call next day once it has posted. On XX/XX/XXXX, i called again and was transferred to XXXX supervisor XXXX employee # XXXX XXXX on XX/XX/XXXX and was told I would be issued a refund. On XX/XX/XXXX, the mortgage provider attempted to charge me again {$3000.00}. At this point my whole bank got wiped out completely for another charge and i have no funds left in my bank and it has XXXX on it. I was charged 3x. The check for XXXX will not arrive until 7-10 days and when i asked for proof that they mailed me back a check, there is no tracking number. But then now i have another new charge of {$3000.00} on XX/XX/XXXX. I spoke to XXXX Supervisor again today XX/XX/XXXX ( employee XXXX ) and I was told to send a copy of the attempted charge AGAIN on my bank TODAY XX/XX/XXXX for the mortgage. I tried to call again 3x after emailing the screen shot of the charge and they would always put me on hold and the call will drop. Horrible customer service and the fact that they couldn't issue immediate reversal of charge electronically and have to issue checks is absurd. In this time of pandemic every XXXX matters.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (AZ)

Halsted Financial services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (CA)

Paypal did not inform me that my account was being taken over by synchrony bank.Synchrony bank did not authorization to put account on the credit report.Synchrony put a closed account on my credit reports which dropped my scores by 30 plus points.No contract or disclosures were signed with synchrony bank.
Consumer complaint received 2024-02-13
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. (FL)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I was a victim of a cash, flipping scam. 
XX/XX/XXXX  Cash app amounts : {$26.00}, {$10.00}, {$110.00}, {$56.00}, {$65.00} XX/XX/XXXX XXXX XXXX amount : {$64.00} They told me to request a refund from the person, however the scammer refuse, and cash app said there isnt anything they can do and to contact the scammer but I can not get a hold of them
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They asked me to provide some documents and I submitted all the documents and still, they permanently limited my account. My email linked to my PayPal is XXXX XXXX