davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC. (NY)

I have pre-existing business relationship with Axos Bank in the form of a personal Loan opened around XXXX XXXX. On XX/XX/XXXX, I opened a rewards checking with them. While waiting for my new debit card to arrive, I deposited some funds into account via online transfer from an external bank account. On XX/XX/XXXX, I received an email notification ( attached ) from Axos stating that my debit card was activated and that same night, I logged into the online banking to find out 3 separate unauthorized ATM withdrawals have occurred in a neighboring town totaling {$600.00}. Immediately, I called their fraud line to notify them of these unauthorized charges and they were able to freeze/disable the debit card ( email attached ). I had to call again the next day to file an authorized transactions dispute with the actual bank. A case number # XXXX was established. I have a USPS letter stating that mail thefts have been occurring within my local area ( attached ). 

While waiting for resolution, on XX/XX/XXXX, I received another email from my XXXX account ( linked it to their online dashboard ) stating that action needed for a pending transfer for {$3500.00}. There were 3 unauthorized payments activated from Axos to XXXX : {$990.00} ( completed ), {$3500.00} ( pending ), and {$40000.00} ( pending ). I froze my XXXX  account, filed a dispute with them and contacted Axos to find out that my entire online banking access was compromised and I can not login. Their agent assisted me by phone to regain control, to find out fraudster had changed my phone #, email, and address. I had them logged another dispute case for online banking compromise. On XX/XX/XXXX, I received an email with letter stating that my dispute on the checking account was denied due to them finding NO error. I immediately called them to reopen the case. 

Currently, the loan issue seems to have clear because my XXXX bank stopped payments on the 2 pending payments and 1 completed was allowed to be posted due to my loan being due for the month. The dispute on the checking account has now been denied a second time with no explanations. Please urgently assist
Consumer complaint received 2024-03-18
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 (MA)

I received an AMEX gift card which I can not register on the AMEX website. Therefore when trying to use the card to make purchases online the card is declined. I believe the issue is because the card is unable to be registered to a zip code or name so the online merchants are unable to process the transaction. I have researched this issue and found that many people are unable to use AMEX gift cards for online purchases and report this same problem.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

I am writing this complaint in hopes the CFPB will step in and look at illegal activities being performed with my mortgage servicer PHH and XXXX XXXX as the investor. I have been applying for mortgage assistance since XX/XX/2018 and have applied numerous times for mortgage help. Each time I submit all required documents PHH denies my loan each time for different reason all along having foreclosure dates on my home while I'm applying for assistance which by CFPB regulations this is in violation of Dual Tracking Laws. I have asked PHH to consider my good faith payment of {$5000.00} towards the delinquency as good faith on my side trying to preserve my home but they ignore my cries for help. I have lost my husband and have struggled to maintain current. But now my financial income is stable and I'm able to afford my mortgage payment even if my mortgage payments go up I just need help with my loan. When I applied for help and they denied me they didn't tell me the exact reason for denial and did not provide me any other option to save my home. Please help me to save my piece of the American pie, my home.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, as this non-compliance with the law has been acknowledged by XXXX but persists with your bureau. Upon contacting the respective banks, they assured over the phone to remove these accounts due to fraud. XXXX has already completed their report by removing the fraudulent accounts, indicating that it is indeed feasible and compliant with regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ....
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 {$3200.00} was stolen from my account by way of an unauthorized wire transfer from a fake real estate company that scammed me into providing my account and log in info for wage verification purposes. I made a police report and the police said this landlord has also scammed several other people online. They are looking for XXXX XXXX of XXXX XXXX to arrest him for real estate fraud and theft. I requested help from the bank Wells Fargo where my was stolen funds were deposited but they said the reason I was only able to get back {$480.00} is because the account where the money was stolen had only {$480.00} left in it. Im asking for help to get the remaining balance of the {$3200.00} which is {$2800.00} please. I have been trying to get assistance with this for 6 months and Wells Fargo still wont return the rest of my funds. My account is XXXX XXXX XXXX XXXX. Please help.
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

On XX/XX/XXXX, I had tingling in my feet and I visited the XXXX XXXX XXXX at FM XXXX, XXXX XXXX XXXX XXXX around XXXX AM. However, it appeared that the doctors started diagnosing in the wrong direction, started collected blood samples and other XXXX  which did not yeild anything. During consulting when I googled, it appeared my symptoms were more related to the XXXXXXXX and when I asked to see the XXXX, they had no one available and they told me that I am going to have a XXXX XXXX. It almost looked like they were trying to put all the test wrongly and did not make any sense and diagnosing for a wrong XXXX. Nevertheless, when I asked to leave as I was not getting the care that I needed nor they had any specialist available. They said I would have to sign a waiver in case something happens to me they would not be responsible. I then finally got out from that place and actually found a XXXX who treated me. That emergency room did not have any XXXX  and continuously trying to make me fool by testing and diagnosing unrelated things. 
I finally got treatment from the XXXX on the same day elsewhere. Had I not walked out of that emergency room, they would have kept me for days just to increase the bill. 

Finally, when I got treatment, I raised a lot of concern with XXXX XXXX, and raised a complaint with texas XXXX XXXX and the XXXX management mentioned that they would not raise any invoice or bill and I would not have to pay. Alas I just happen to find out few years later they just sent the bill for collections, despite promising that it would be taken care by them for wrongly diagnosing me. 

It is so much frustrating for a hospital and care company to wrongly treat a XXXX and then send it for collections through Ability Recovery services. The dates and time stamps all are wrong, moreover, I do not even know how the amount is verified. It is so much frustrating that there is no place who I can complaint to get this taken care. What if they would actually would have infested any XXXX in me and then I would have gotten more sick at that place by staying there.
Consumer complaint received 2023-03-10
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. (NY)

XXXX for the SECOND TIME has allowed someone to open an account under my name/information as provided by a soft inquiry to TransUnion. I called XXXX on XX/XX/2013 to initiate XXXX XXXX and they told me they can not proceed until I pay them the {$1900.00} that " I '' owe them, which they sent to collections and reported to at least one credit agency, without ever notifying me ( nor TransUnion notifying me ). This is the 2nd fraud against me by XXXX and I even have Credit Freezes and Fraud Alerts with all major credit agencies! Apparently XXXX only did a soft credit inquiry with TransUnion and ignored any fraud alerts. They have put the onus on me to prove that the {$1900.00} was not in fact meaka Guilty until proven innocent. This conduct is grossly negligent by XXXX and they will not give me service until I prove I do not owe them money. TransUnion is helping to continue to victimize me by permitting others to commit repeated ID theft against me, and this needs to be addressed by the CFPB. TransUnion needs to vet its customers more and cease dealing with them if they have a lack of basic fraud prevention, and stop providing my information to be used to commit further fraud against me. I called TransUnion and after a few phone transfers, they agreed to stop allowing soft inquiries against me. However, they will not send me a copy of my credit report as I have an active dispute. They told me to go to XXXX to access the report that they would not supply, however that website would not allow access to my report either. The fact that I have a dispute/fraud makes it even more important to see my credit report, which they are not allowing.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC. (CA)

I received a payment deferal workout solution letter stating my first payment will be due on XX/XX/2024. So I did not make my XXXX mortgage payment. However it turned out loss mitigation made a mistake, they could not defer XXXX payments and called me on XX/XX/2024 to collect XXXX and XXXX mortgage payment to bring my account status back down to 12 months delinquency to further process my payment deferral.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OK)

I took a loan for XXXX, right off the top NetCredit took a % for origination fees. The payments are outrageous, XXXX per month, the HIGHEST interest rate by Oklahoma law is 45 %, they are charging 99.49 %. I have paid back XXXX already, MORE than allowable under Oklahoma Law. My balance should be XXXX. Instead they want 4 more payments of XXXX, which is CRIMINAL. I have contacted them in writing, they refuse to acknowledge o respond in any way to my concerns. My account number with NetCredit is XXXX.
Consumer complaint received 2022-03-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc. (UT)

Rozlin Financial Group collected debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX didn't have the right address or phone number for me and I never was noticed of a payment I needed to make. I found out years later that this was on my credit report. I then payed it but I still need this to be removed from my report. I don't deserve this.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, reported to the three major credit bureaus, i.e. Equifax, XXXX and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Consumer complaint received 2021-06-10
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. (NY)

My name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a zero balance.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (FL)

FORD MOTOR CREDIT XXXX XXXX XXXX XXXX NE XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-03-01
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. (OK)

This is a complaint against timeshare XXXX XXXX XXXX - XXXXXXXX XXXX XXXX. The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (AL)

I submitted payment on-time, but payment fell on a United States Federal Holiday and weekend ( Saturday ). Avants system twice cancelled my additional scheduled payments after this original date of XX/XX/2022 twice XX/XX/XXXX and XXXX, 2022. Upon contacting Avant customer card and speaking with a gentleman, I was told a waiver of the late fee of {$27.00} would be applied. This late fee was not applied. I called again and was told this lie again as well as by email and no reversals of fees or late fares whatsoever. When I sighted them the protections I have under the Credit Card act they shrug it off an say that doesnt apply to me or that XXXX runs their Avant credit card and they Avant have no control over lates fees or other fees. I even have requested accommodations due to Covid-19 for deferment of my minimum payments and Avant denies this accommodations as well. Sad, because my other credit card companies owned and run by some of the United States biggest banks are willing to help me with their cards. Why does Avant get allowance from the federal government to abuse me and others I have read about in complains in the web?!!!
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

There is gross incompetence at Freedom Mortgage. My previous rental property loan was transferred from XXXX to Freedom for service. Freedom mixes up my mailing address with my rental property, putting the unit number for my rental unit ( XXXX ) to our mailing address. After calling Freedom repetitively, they still have trouble fixing this error. Then they sent a letter to me indicating that my home insurance did not have the right address. It did. And they make it very difficult to update information, insurance policy, correct errors either by phone or through their online system. This company is so incompetent and one wonders what other serious errors they have in their system.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TexCap Financial, LLC (NH)

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. It is set up for autopay. My XXXX payment was supposed to be deducted from my checking XXXX This did not happen and when I tried to contact the company all numbers are not in service. XX/XX/ I received an email from XXXX XXXX XXXX informing me that my loan is past due. I tried responding to the email but my message was returned as undelivered/unable to deliver. I then checked XXXX XXXX and my auto loan is showing a XXXX balance when I still have a little over 2 years remaining on the loan.
Consumer complaint received 2022-11-02
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: CREDIT ACCEPTANCE CORPORATION (MD)

15 UsC 1681 Section States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 US code 1681 A Definitions rules of construction Exclusions-Except as provided in a paragraph the term '' consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

Timeline : XXXX Received a missed call today XX/XX/XXXX at XXXX from XXXX XXXXXXXX stating that Chase bank is calling from fraud prevention regarding my Amazon Prime Credit Card application, that I just applied for yesterday XXXX  XX/XX/XXXX. 
XXXX I called back using the reference number they game, as I am in anticipation to receive benefits from this card. 
XXXX  I provided them some personal information such as SSN and cell phone but hung up when other personal information as asked.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

PLEASE BE ADVISED RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES ON MY ACCOUNT. THE BELOW ACCOUNTS LISTED ARE HURTING MY ABLITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESES ITEMS FOR ME TO ENSURE ACCURACY. PLEASE HELP ME WITH THE BELOW LISTED ACCOUNTS!!!!!!! I HAVE FILED A CONSUMER COMPLIANT AGAISNT THE LISTED COMPAMIES BECAUSE OF THIS INFORMATION THAT IS HURTING MY CREDIT AT THIS TIME SO THEY CAN ALSO INVESTIGATE THE ACCOUNTS I never had a XXXX account under my name this account is fraud
Consumer complaint received 2021-04-13
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. (MS)

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

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.