davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
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: DISCOVER BANK (FL)

On XX/XX/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. 
XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX  # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (MO)

Multiple call have been coming from XXXX. They don't have my name but ask me to confirm my address on XXXX XXXX in XXXX, XXXX. I own two apartment buildings on that street.  They will not reveal any of my information, or the purpose or intent of the call.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (SC)

Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into an adhesion contract. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. Due the banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonrepayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act XXXX FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. I hereby disaffirm any alleged agreement or contract between I, the consumer, and the bank, whether implied or explicit. Any agreement between I and the bank was a result of undue influence. Please provide me with documentary evidence of the obligors indebtedness. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The bank, as the creditor, may not collect any disputed amount. As a federally protected consumer, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing. Additionally, charge-off accounts are considered income and income is not to be reported on any consumer report. Affirm is in violation of several codes and CFR 's and willfully using a third party to keep me from being able to use my consumer credit. The bulk of these violations are covered under 5 U.S. Code 552a,15 U.S. Code 1681 12 CFR 1016.1 and IRS Publication 4681
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

My Mortgage Company, PHH Mortgage, Loan # XXXX lists paying my taxes from our Escrow account on XX/XX/XXXX. For {$1700.00}. 

However, the Town of XXXX Massachusetts still has not received that payment. I paid the taxes directly to avoid being in arrears.Taxes were due on XXXX XXXX. 

On XX/XX/2021 I faxed the Tax Department at the mortgage company with backup documentation. Since they say they may take 30 days to complete inquiries I waited 30 days. 

I have not heard from them. And because they say they paid out in XXXX when they refunded my escrow overage this amount was not included.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-09
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. (NY)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I called JP Morgan Chase XX/XX/24 XXXX  separate times, I had paid the credit card off in full and XXXX week later after the balance was {$0.00}. They charged a {$32.00} Interest Charge which they failed to include in the balance. 

I requested 3 times to remove ans waive this charge, JP Morgan Chase refused to grant my request. 

They're acting in bad faith as this is an unfair, unreasonable, and dishonest act.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TN)

Shellpoint Mortgage Servicing has listed on my credit reports that I am 120day delinquent on my account. This is not accurate. Effective XX/XX/2020, my former Mortgage company, Ditech sold my account to Shellpoint. At that time I was in a mortgage modification program and payments were being made as agreed to. The modification plan continued until XX/XX/2020 with Shellpoint and all payments were paid as agreed. I successfully completed the modification program and was issued a new payment plan effective XX/XX/2020. All payments have been current to this date. 

As of today, the account is listed as 120days delinquent on all credit reports. I have tried unsuccessfully to get this item corrected by filing a dispute resolution request with all three credit bureaus and attempting to speak with Shellpoint. I have not been provided with reason ( s ) why this delinquent item is remaining on my credit file from Shellpoint.
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX please Help!!!!
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXXXXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately
Consumer complaint received 2019-06-03
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. (CA)

The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/2019. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/2019. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

While reviewing my credit reports I noticed reporting 's to ALL XXXX credit bureaus/reporting agencies from a XXXX XXXX I do not know who this company is, and I have never done business with them. 

There are XXXX different addresses reported from XXXX XXXX under all XXXX credit bureaus/reporting agencies. The false reporting has caused a reduction in my credit scores with all XXXX credit bureaus/reporting agencies between XXXX points. 

The reporting was done XXXX of XXXX with XXXX different amounts of {$32000.00} and {$13000.00}.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I am filing a complaint against Diversified Consultants due to they are still reporting a derogatory account on my XXXX and XXXX  credit reports. This account has been removed from XXXX credit report. 

Diversified Consultants has yet to provide me with validation showing that this account belongs to me. I do not recall opening this account and have never had an account with XXXX. Therefore Diversified Consultants can not continue to report an account that does not belong to me. I am demanding immediate removal from my XXXX and XXXX credit reports.
Consumer complaint received 2019-06-03
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. (KY)

The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I was contacted by Freedom mortgage several times to do a refinance on my existing home loan. I spoke to two different lenders. The first person I never called back becuase I did not feel that the savings was enough to justify the fees. The several person worked numbers and got to a number that seemed reasonable. I explained that I may not be staying in the home for more than 8 months. After the refi was done I received a check that I did not ask for. I called and they stated this was mine to keep. After I started paying my mortgage I am now told that my payment is increasing over {$100.00} due to an escrow shortage. I feel that I was intentionally mislead about the payment to book the loan and that the insurance was left out to increase the loan after the loan closed. The escrow should have increased {$19.00} per month not over {$100.00} due to a change in insurance premium from {$820.00} to {$1000.00}. I was not willing to close on the loan and pay the fees unless I had substantial savings and I feel that they were deceptive just to get the extra fees. I would have never refinanced the loan for such a small savings monthly. I advised I may not stay in this home several times.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I am filing a complaint against Equifax, for continuing to report a Chapter XXXX Bankruptcy on my credit file. I have sent numerous letters to include the letter from the Bankruptcy court indicating that they do not provide information regarding bankruptcies to credit bureaus. I also included a letter from XXXX XXXX stating that case # XXXX has been removed from my risk view report. Lastly, I sent a copy of my XXXX  credit report showing that the bankruptcy was removed from my credit file XX/XX/2018. I am demanding that Equifax removes this public record immediately. I have sent viable evidence showing that they are reporting incorrect information that can not validate.
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

CBE Group shows on all three CRA 's I do not have any knowledge of this company. shows original creditor as XXXX XXXX XXXX and a date of XX/XX/XXXX While I have had service with XXXX & XXXX in the past. I would estimate the last time to be XX/XX/XXXXHave been living in a motorhome last 5-6 years with propane use. 
CBE Group on the California Secratary of States web site shows their status as suspended. Should not be conducting business in this state.
Consumer complaint received 2019-06-03
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. (CA)

Still to date, while unders dispute with Equifax and XXXX XXXX  XXXX, Equifax has not marked XXXX XXXX XXXX as being under dispute on my credit profile ( documentation attached ). Equifax also allowed XXXX XXXX  XXXX to add additional negative comments to my credit profile, on XX/XX/2019, while currently under dispute. I reported to Equifax that, even after I updated my current address and telephone number to XXXX  XXXX XXXX, they still were using an incorrect mailing address and telephone number for me and therefore, XXXX XXXX XXXX did not contact me regarding any information that was placed on my credit account. I have also informed Equifax and XXXX XXXX XXXX   that my  identity was stolen and I provided legal documentation from the CFPB identity report and provided them by telephone with my current address and telephone number. Equifax sent me an email requesting that I provide them with proof of my current mailing address, even after I have already provided this info to them when my identity was stolen. However, I have attached proof of my address to this complaint. The information that XXXX XXXX XXXXXXXX has for me as far as my address, telephone number, and balance is incorrect. XXXX XXXX XXXX recently tried contacting me, on my correct number that they received through my recent dispute, XX/XX/XXXX, requesting that I call them and confirm that it was me that actually put in the dispute. I find this to be improper to call me and leave a message to confirm that it was me who put in the dispute with CFPB. I tried calling them several times and no one answered the number, nor did they return my call. I find it odd that XXXX XXXXXXXX XXXX would call me to confirm that it was me that put in the dispute when CFPB requires that you provide legal information when filing the dispute. And because they never called me back after I left them a message and tried calling several times, makes me think that it was fraudulent, or some kind of form of retaliation, or other non valid reason ; because after I confirmed it was me, through voicemail, who put in the complaint, they added additional negative comments to my credit report and Equifax allowed it, although they are under dispute. I was not returned a call from XXXX XXXX XXXX, after the person named XXXX, from the XXXX XXXX XXXX complaints department, stated that I must call them by a certain time. I still have the telephone message as proof.
Consumer complaint received 2022-06-14
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3.Validate Account Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report.6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8.. Validate Account Account Number : XXXX Please remove it from my credit report.