davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
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. (FL)

I have disputed these fraudulent accounts with XXXX  to no avail. XXXX has deleted these fraudulent accounts. My next step is to file a lawsuit. This is a violation of the FCRA : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX/XXXX XXXX # XXXX  Simply saying that the accounts have been verified as accurate is illegal if XXXX have verified them as not accurate and have removed them.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZuntaFi Corp (FL)

On XX/XX/XXXX I received an email from a company I had never contacted or done business before indicating that they purchased a debt and I was to make monthly payments to them. I notified them once on XX/XX/XXXX, and again on XX/XX/XXXX that I wished for them to provide verification of this debt. 

They did not respond to those requests. 

Earlier this month I noticed they had reported an account in my name as delinquent. I contacted them to try and resolve this issue. After much back and forth they sent me verification of the debt on XX/XX/XXXX, and I received it on XX/XX/XXXX. I withheld payment as the debt was never verified, and the now refuse to alter their reporting.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (NC)

My mortgage is with New York Community Bank ( XXXX, NY. ) My homeowners insurance and property taxes are paid through escrow annually. For the second year in a row, I have had to pay my homeowners insurance premium to XXXX XXXX because the mortgage company has not paid it before the lapse date. The bill was sent by the insurance company to NYCB in XX/XX/XXXX and XX/XX/XXXX, with reminder notices going out in XX/XX/XXXX and XX/XX/XXXX. The policy renews on XX/XX/XXXX annually. In XX/XX/XXXX, the payment was not made by NYCB until XX/XX/XXXX, so I had to pay on XX/XX/XXXX to avoid a lapse. In XX/XX/XXXX, payment was not sent until XX/XX/XXXX, and I again had to pay on XX/XX/XXXX ( XX/XX/XXXX was a Sunday ) to avoid a lapse. I have spoken to the escrow department at NYCB several times and have never received a satisfactory explanation as to why they are not paying on time, even though the money is fully available in my escrow account. I even tried to have the escrow discontinued so I could pay the bills myself and they would not allow me to do this without charging me an exorbitant fee. I think I should be able to discontinue my escrow without penalty or fee since they have demonstrated that they can not pay the bills on time.
Consumer complaint received 2017-08-24
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: JPMORGAN CHASE & CO. (IL)

I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from XXXX XXXX on XXXX XXXX, XXXX. The one is Chase Card inquiry on XXXX XXXX, XXXX.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX and Experian has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on EXPERIAN website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on XXXX several times in past and to EXPERIAN AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CO)

Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.
Consumer complaint received 2022-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I've tried disputing this account with this company numerous of times and haven't got a response. Instead of the company deleting the alleged debt like they did on my XXXX profile they decided to decrease the debt 50 % turning the debt from XXXX $ to {$1700.00} and fail to comply with the letters I sent them. This company did not do a correct investigation. I never got any supporting documents stating that the debt is mines.
Consumer complaint received 2022-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (WA)

This is with BMO Harris bank. 

I have a HELOC loan with BMO Harris and have made 0 withdrawals. Last week I received my statement from BMO and it said their was a {$34000.00} withdrawal. This is a fraudulent transaction. 

I reported the problem to BMO ( Initially only telephonically and subsequently via email ) and mentioned that I am closing on my house shortly and I would expect a zero balance. 

To date, I can not get any substantive information from BMO and I am constantly shuffled between departments who say that they can not share any information with me. This is extremely frustrating since in these calls, BMO acknowledge themselves that the transaction is fraudulent. 

I have no idea when this will be resolved and how it will effect my closing. I have no formal communication from BMO regarding this issue and I want to make sure my other accounts are not vulnerable. Really bad service in my book.
Consumer complaint received 2017-08-23
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)

Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.
Consumer complaint received 2022-09-12
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. (NJ)

Suddenly company report 30 days late on the account for previous date in XX/XX/XXXX and XX/XX/XXXX which is not correct. 
I called the company they agreed to fix the information with the credit bureau, I submitted a dispute with Transunion and the information was not changed. 

They continue to report 30 days late on the account also for the month of XX/XX/XXXX and I have been calling numerous time, they agree to fix the information on a recorded line, I submit disputes with credit bureau and the information hasn't been update with the credit creating a continue disruption to my credit report.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$45000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NC)

Starting XX/XX/XXXX ( new employment ) Netspend mailed unauthorized card to XXXX XXXX XXXX XXXX, NC : this was not a card with appropriate funds as account. New card was mailed to same home address but unknown last name, was not activated. 
XXXX, new employer & email was reported to CRA. Very close to actual employer, yet falsified. Email & activation were never attempted or known by me. 
XXXX was then purchased for 1 year. 
Email account used XXXX XX/XX/XXXX ) blocked & unsubscribed from Netspend. 
New emails were received as spam in new education email address now in XXXX. 
New card to activate, in my name was mailed to my address XXXX XXXX XXXX XXXX, XXXX, NC : this was not purchased, not knowingly contacted by Netspend other than activation email, not known if funds are finally available or past issue is resolved. 
Card currently in dispute : XXXX Account currently in dispute : XXXX XXXX : XXXX Acct : XXXX
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I tried to buy tickets from someone on XXXX, they said they were selling tickets to a concert that I really wanted to go to. They were selling XXXX tickets for {$200.00} each and said they would send them right after I sent them the money through XXXX, at first my bank said that the first payment through XXXX did not go through and that it had been canceled so I sent it again. This is where it went wrong, right after I sent the payment they would not send me the tickets or any proof that they would. Instead, I got a phony email from XXXX claiming that the tickets were being sent through, I went to my chase account to see if I could stop the payment and for some reason, another {$200.00} was taken out of my account and sent to this person. I tried calling chase to tell them the first payment had gotten canceled so I'm not sure how it suddenly went through even though it didn't reflect on my account for 10 mins. I have multiple pictures from my other friends trying to see if this person was trying it with anyone else and they were, they kept giving numerous different names but yet kept telling me how I would receive the tickets. Eventually, this person blocked me, I immediately called the bank to see if I could stop the funds since they were still " pending " but they said they could do nothing and to try calling back on XX/XX/XXXX, I called back today and they said that the other person bank said it was my fault and that, that person has proof of it being a real transaction and how it was me who initiated it. I am now out {$400.00} and have had no help. This was with the Chase bank, the payments were through XXXX which I know can never help anyone get their money back. I am not sure what to do anymore. I have inserted the name they told me to send the money too and the information they gave my friend.
Consumer complaint received 2018-06-25
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: SYNCHRONY FINANCIAL (NY)

My son who lives with me opened 8 credit card accounts under my name without my knowledge or permission. All of the accounts are with synchrony bank and the refuse to remove them off my credit.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy Fed held my checking and savings deposit for six months causing my accts to go delinquent on purpose ( {$19000.00} ) To date XXXX has not furnished a print out of these funds ( 2019 ) Navy has lied and said they returned the funds when indeed they did not but wont disclose where they went It is illegal to hold funds for over thirty days Navy wants me to settle these accts which I am willing once I know where and why my funds were being held This has been going on since 2019 and Navy is knowingly reporting false info causing damage
Consumer complaint received 2018-06-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

In XX/XX/XXXX, the Consumer Financial Protection Bureau and the Ohio Attorney General interceded on my behalf and Ocwen did provide relief for me by reducing the 2nd mortgage on my primary residence at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. However, I was not given relief as I requested at that time for the second mortgage at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. 
Recently Ocwen has sent me numerous emails and letters in the USPS mail to apply for a lower rate. I request the subprime predatory 9 % APR be lowered for the XXXX XXXX XXXX house because I have already paid the exorbitant amount of at least {$30000.00} for the {$20000.00} loan in XX/XX/XXXX from American Home Mortgage ( AHM ). I am in a vicious cycle of low credit eligibility to refinance according to XXXX XXXX in XX/XX/XXXX due to debt : income ratio because of the mortgages. In XX/XX/XXXX/XX/XX/XXXX Ocwen Research office in XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX x XXXX # and XXXX XXXX at Ocwen Escalating Dept XXXX XXXX offered modification with 20 more years of payments from the original 2nd mortgage balance. I will not be alive 20 years from now! 
In XX/XX/XXXX, I will be XXXX years old and the XXXX XXXX XXXX 2nd mortgage loan is due close to the original {$20000.00} loan. I don't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The AHM lender would not let me buy the 2nd house next door that my son lives in without mortgaging my 1st house.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

In XX/XX/2017, I applied for a loan but my bank was unable to pull my credit from Equifax. I thought it was because I had previously frozen my credit. I could not get the pin in time for the loan and in the end, they did not need to access it. I recently applied for a credit card and the credit agency asked me to lift the freeze on equifax. Having never received the pin, I sent in a request. Equifax has reported back to me that I have no file with them at all. I know this can not be the case because I was told that it was frozen by Equifax and because I have previously received an equifax credit report. I need help gaining access to my account at equifax. I have heard that I might have a split file that is causing this problem.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (NC)

I got an email from a creditor that said they were closing my account due to default payments on credit report. I was unaware that it had been on there as I was never notified... phone call/letter. Knowing the new laws in place I placed a call to Credit Management LP. Spoke to supervisor. He said they sent a letter but didnt know dates or times. I asked if they called me and he then asked if Ive changed my number but couldn't answer yes or no. I asked them to remove it and he tried to send me to their legal dept. Im not an attorney so what do I need with them. Any help with this matter would be greatly appreciated. Thanks
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (CA)

NCA is the bureau name type of account is not reported. Current balance is {$310.00}? 
Last date reported XX/XX/2022. 

However, I have never been contacted on this account. Theyre was a breach with information exposed including my social, date of birth and mailing address. I did have a payday loan over 7 years ago which I settled with speedy cash. But I was never contacted by NCA. Ive called the number provided pre recorded system says they are closed. And to call back at a later time XXXX?
Consumer complaint received 2022-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (MA)

This is a problem with the cash app ALBERT I have no way to access my savings account. 
The phone number is circularly referencing the app, which references the phone number. 
I want to make changes to my own account and access the {$2500.00} I have in there.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I took out a loan in college in XX/XX/XXXX, specifically a FFEL STAFFORD SUBSIDIZED established on XX/XX/XXXX. This loan was paid off as in full as of XX/XX/XXXX. However I am constantly receiving calls for student loan debt. I believe that it is showing that this loan is still outstanding, dragging down my credit score. This loan in paid in full and needs to be reflected on my credit report ASAP, showing as paid in Full 9 years ago. I can send all loan detail as required. Please help me with this as it making car loans and interest rates much higher than they should. 

Thank you.