davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: JPMORGAN CHASE & CO. (KY)

XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.
Consumer complaint received 2017-08-08
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. (FL)

On XXXX XXXX, 2017, I attempted to gain verification and validation of the debt via Equifax credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-09-21
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: Convergent Resources, Inc. (GA)

These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap
Consumer complaint received 2020-09-21
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: CREDIT BUREAU OF FARMINGTON, INC (GA)

These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

My loan start year was XX/XX/XXXX-XX/XX/XXXX I attended at that time a school/ college call " XXXX '' college and was enrolled under a Programe called " XXXX '' which is a XXXX XXXX XXXX XXXX. After completing the course and going out into the field more than 99 % of the places I apply to had no idea what a XXXX XXXX XXXX was I would not fire me. The school has also changed names over four times and has ruined and degraded the legitimacy of the certification. NAVIENT will not excuse the loan even though I have not been able to get a job once since then. Also the school had been completely misleading and manipulative about how likely a student who graduates would be able to get a job every percentage and every guarantee they gave they did not follow through on. I would like my private loan and federal loan to be dismissed because I was taken advantage of by what is now called XXXX college and XXXX XXXX which is now called Navient.
Consumer complaint received 2020-05-17
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: Consolidated Information Services Solutions, LLC (TX)

On XX/XX/2018 XXXX CIS Inc made an inquiry on my XXXX credit report. Because I never authorized CIS Inc to pull my credit report, I contacted CIS Inc demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. XXXX CIS Inc never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TN)

I lost my job due to Covid-19 and am waiting to get on unemployment ( for the last month ). I saw that my mortgage company Amerihome mortgage was offering forbearance as mandated by the Cares Act. When I inquired about how they could help me I was told that they are ONLY offering the mandated forbearance for 3 months with a balloon payment due on the 4th month. I don't understand how anyone could afford to pay thousands in order to catch up. I asked about deferments and they aren't offering them. So really there is NO relief and it really isn't fair. President Trump said no one could be penalized but the mortgage companies have found a way!
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I was leasing a vehicle, and I turned the vehicle in early. They wanted me to pay a early termination fee in addition to the money I paid to cover the remaining payments of the lease. I paid the remaining lease payments, and they said I could pay the fee later so I did. They listed a late payment for a month I no longer was leasing. I was never late always on time and was given permission to make the fee payment at a later date. I called GM financial and they told me they dont see late payments on their end that they never reported a late payment however its on my credit report. In addition it does not show that it is closed it shows as a current account. Its on my XXXX credit report and possibly XXXX. Please help. I am trying to eventually remortgage my home.
Consumer complaint received 2017-09-14
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. (MI)

On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

We have recently completed a modification to our existing mortgage, for which we received a copy of the executed and notarized on XX/XX/XXXX. 
We called the single point of contact assigned to us multiple times to get the final executed copy of the modification, and since then have called multiple times to get our questions about details of our payment and fees, to little result. 
Even after we got the modification the timely payments sent have not been posted to the account. 
In addition we mailed a letter to the mortgage service company 's Qualified Written Response department on XX/XX/XXXX which has only been acknowledged, but not answered. 
We called on XX/XX/XXXX to our single point of contact and left another voicemail, and then called the main customer service line. 
The agent we spoke with reviewed our concerns and promised to send an email to our single point of contact 's supervisor, and told us to expect a phone call before the end of the day from that supervisor. 
It is now 72 hours and we still have not had any call. 
While it appears that one of our payments was finally posted, and our account brought up to date from 50+ days in arrears to 24 days in arrears this is not enough. 
We need all our payments to be applied in a timely fashion, we need our concerns in our letter to the Qualified Written Response to be answered, and we need our voicemails answered in a timely fashion.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates, LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Portfolio Recovery Associates, LLC are in violation of 15 USC 1692.
Consumer complaint received 2020-05-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched FTC ID THEFT case XXXX I AM A VICTIM OF IDENINITY THEFT REPORTED TO USAA XX/XX/XXXX, XXXX see attatched usaa FRAUD CLAIM LETTER dated XX/XX/XXXX. I just got usaa credits for this fraud of XX/XX/XXXX. XX/XX/XXXX. TWO YEARS LATE!! XX/XX/XXXX spoke to XXXX of ID THEFT TEAM at usaa. He claims usaa is ( ** UNABLE to provide WRITTEN DOCUMENTATION WHO PLACED THE SAME UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} XXXX.?? HUH?? A BANK DOES NOT HAVE POSTING MERCHANT INFORMATION?? SORRY I DO NOT BELIEVE THIS XXXX. USAA IS NEVER HONEST. AGAIN USAA, WHO PLACED THE UNAUTHORIZED TRANSACTIONS THAT APPEAR ON STATEMENT AS XXXX CHARGES XX/XX/XXXX {$470.00} XXXX CONFIRMS XXXX DID NOT. PLEASE SEND VERIFYING DOCUMENTS TO MY HOME ADDRESS. I HAVE NO ACCESS TO THIS ACCOUNT. THANK YOU.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NJ)

I called Suntrust Bank XX/XX/2020 to ask why my account is frozen and why I can not use my debit cards. The bank did not give a reason why and was not very helpful. This is a business account and I can not conduct business with my account being frozen for no obvious reason to me.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. You have 3 accounts that are both in dispute because they are not mine and I am demanding verification and validation of debt. PROVE THIS IS MINE. The balances are XXXX XXXX and XXXX. You are reporting the same balance under a different name on my XXXX report.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.
Consumer complaint received 2023-01-30
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. (TX)

I dont know whos at fault here, companies in question is TransUnion and XXXX XXXX XXXX. First off I disputed a late payment on my XXXX  card from XXXX of 2022, contacted XXXX  to dispute it received a dispute number of XXXX with XXXX XXXX on XXXX of 2022. Fast forward to XXXX resolution was all negative information will be deleted. Awesome, I thought. On the week of XX/XX/XXXX the late payment finally came off on all three bureaus, fast forward to XX/XX/XXXX I get a notification that my score dropped on TransUnion I was like what could it be? Boom, the late payment was back on my report from XXXX of 2022 on XXXX XXXX XXXX and only on TransUnion, it made a huge impact on my score right as I was about to do a credit application for a vehicle, due to my wife totaling a vehicle are you serious? XXXX points down on my score, dont know if this was TransUnions fault or XXXX XXXX XXXX for not updating my account successfully. Really bad practice someones credit score should be a thing to mess around with it is someones way to get a car or a roof that goes over your head come on guys hold someone accountable and please fix this!!!! 
If the creditor fixed the issue of a late payment on a consumers account and TransUnion fixed it why in the world would they reverse it again a few days later impacting my score even more!!! Come on TransUnion.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Made mortgage payment on XX/XX/2020 at Bank of America using coupon and having mortgage account number on the back of the check at the XXXX Branch of Bank of America. Bank of America applied the payment to a credit card with XXXX balance. I noticed this issue on when the credit card statement came to me showing a credit in the amount of the mortgage payment. I attempted to contact them on said date, but they were unavailable as it was the weekend, so I contacted them on Monday XX/XX/XXXX. They indicated that they would research it and it would be a simple fix and would call me if they needed more info. On XX/XX/XXXX, I received from XXXX XXXX at Bank of America calling me that I had not made my payment. While on the phone she said we'd have to contact the credit department in order to reverse it. We conferenced in XXXX in the credit department of Bank of America, and he said it would take 10 days to process. This has still has yet to be resolved and in the mean time, I am harassed by the collection department at Bank of America, I explain the situation to them, and they put me on hold and disconnect me. Then I called the credit card department of Bank of America on XX/XX/2020 and they indicated that they would escalate it and as of today nothing has changed. This issue was caused entirely by the gross negligence of the Teller at the XXXX, NH Branch of Bank of America. At this point the payment is showing 30 days past due will effect my credit if they don't fix this and back date it to XX/XX/2020, the day the payment was made.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fairway Capital Recovery, LLC (FL)

According to my credit report, on XXXX XXXX XXXX is the original creditor and forward the debt in the amount of {$770.00} to a collection agency Fairway XXXX XXXX. I have contacted the debt collecting agency and give them my name and XXXX but they couldnt bring up any account regarding to this matter. On the other hand, I never associated with XXXX XXXX or doing any kind of business with this organization. I have file disputed with XXXX regarding to this account but no result at this moment.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC (MO)

I think it is totally illegal for companies to show a rate that may be out of date with no disclosure. Its a way for them to get your info and then nonstop bombard you. Rates should be up to date or within a week.
Consumer complaint received 2020-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

FedLoan Servicing is incorrectly calculating my PSLF-eligible payments and their payment processing with Direct Debit is  repeatedly giving me error messages making it impossible to make sure automatic payments are processed correctly. I've repeatedly attempted to contact them via phone, online chat, and e-mail with incredibly poor customer service that is if I ever get ahold of someone or get a response. Customer service has provided no help with my legitimate concerns and issues. I'm technically paid ahead for my student loans yet their system now shows that I'm past due.
Consumer complaint received 2020-10-21
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. (FL)

Transunion is in violation of the fair credit reporting act XXXX. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2019-10-29
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** DP OF EDUC XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX****
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

The company is paypal. Pay pal shut down my account XXXX XXXX. Paypal is not giving me a reason why it was shutdown. Im totally lost on why. My wife past away a few years ago I dont know if my wife did something to my account somehow in the past but I cant fiqure out why and getting no answer. I did nothing wrong with paypal and would like to talk to someone to resolve this issue.
Consumer complaint received 2022-04-05
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. (AL)

I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Equifax which is still showing the amount of {$50.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a Bank of America, XXXX XXXX XXXX XXXX Visa in XXXX. I used this CC until XXXX. At that point I closed my business as well as the CC. In XXXX of XXXX, I received a collections call from the company. They stated that my annual fee was charged and unpaid. I explained that I had closed the CC and asked that the fee be waived and that the account marked closed. I explained that I had not used my CC for a year and that I was no longer at my old office address. I updated my address at that time over the telephone and confirmed with the representative that the account would be closed and the annual fee was waived. 

In XXXX of XXXX, I was purchasing a home. My mortgage company found that Bank of America was reporting a past due amount of {$90.00} and that I was unable to finalize the mortgage until I paid this amount. 

I called Bank of America and asked them how it was possible that I had a balance when this account was closed. I also asked them why I did not receive any billing statements. The rep told me that no one closed the account in XXXX and that the bills we sent to my old office address. 

I explained that I moved in XXXX, that I closed the card and that I updated my address in XXXX and again in XXXX. I was told that the fees would be refunded and that the account was already closed due to delinquency. I was further told by the rep that they were unable to process the refund for over 72 hours. As my bank needed the all clear documents that day. I paid the fee and sent proof to my mortgage company. 

Currently, there is a balance of XXXX on the credit card. I also found out that Bank of America is reporting that I am past 90 days delinquent on the account to the credit score agencies. 

I have called three times to ask for a refund check and that the delinquency be removed from my Credit Report. Bank of America tells me that a manager will call me back and I have never received a call back. 

They are illegibly holding my money and refusing to correct my report.