davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
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. (MD)

Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and Equifax in the amount of XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as XXXX and Equifax violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/XXXX/Equifax. XXXX XXXX company in the amount of XXXX with-XXXX/XXXX.XXXX   XXXX in the amount of XXXX.with-XXXX/Equifax.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
Consumer complaint received 2020-05-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have included every payment made that the reporting company is saying I never made not a single payment from the texas attorney general child support I have shown XXXX in payments since 2018 and the credit bureaus will not take it off. the debt on y credit shows I owe XXXX so im actually overpaid
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: William D. Meeker Enterprises, Inc. (VA)

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CIC credit on my XXXX report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CIC CREDIT To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Consumer complaint received 2022-03-01
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I noticed a charge on my credit card for a purchase of {$1000.00} to XXXX XXXX XXXX XXXX that I did not make. I alerted my credit card company, Chase, and they removed the charge and sent me a new credit card. After review, Chase reinstated the charge stating that it was a valid transaction because the chip was used to make the purchase. I disputed this, stating that it was not me that made the purchase. Chase requested that I contact the merchant. XXXX XXXX XXXX does not have a phone number, so I contacted them via email, and they stated that they could not provide me any further information about the transaction without documentation from the back. I provided my credit card statements to the merchant, but they stated they needed authorization from the bank to reverse the charge. When I passed this information along to Chase, they stated they would look into the situation for further review, but continue to send me the same letter stating that the charge will remain my responsibility and that the charge was found to be vaild. I went in to Chase and spoke with a banker, who suggested I file a report. I still have not been reimbursed for this purchase on my credit card that I did not make.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Fraudulent Activity happened on XX/XX/2018. I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX my account got restricted and without giving me a reason. since i couldn't get access to my money on XX/XX/XXXX I told them to close my account. The account is still restricted I've been calling the bank and sending them messages and no one does anything it's been a month and 2 weeks and all they tell me is that they are investigating and that they will get back to me when they are done.
Consumer complaint received 2018-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports Transunion and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as Transunion and XXXX violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-Transunion/XXXX/XXXX. XXXX XXXX XXXX in the amount of XXXX with-Transunion/XXXX.XXXX XXXX in the amount of XXXX.with-Transunion/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
Consumer complaint received 2024-02-22
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. (IL)

Both Transunion and XXXX XXXXXXXX XXXX  are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX as of XX/XX/2023. I did not have an account with XXXX XXXX at that and have not had an account with the company in quite a while. These two companies have failed to provide me with an itemized list of what these charges they are claiming I owe or for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that charter communications has sold this alleged debt to this company.
Consumer complaint received 2021-03-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

Hello. My ex-husband took out a construction loan ( s ) with First Interstate Bank to build a home ; the property ( which was out of state from our residence ) was valued at XXXX, we borrowed at total of XXXX from the bank, paid another XXXX for it's construction and then ran out of funds. The bank then issued us credit cards to continue to make loan payments. We sold the home for XXXX and were coerced into signing a collateral loan for XXXX on a business property in our home state. We have been trying to obtain our loan file ( containing loan draws - which the bank was directly distributing to the construction company, invoices, receipts, etc. ) from the bank for 5 years. Despite hiring 4 law firms to obtain our loan files - THE BANK HAS REFUSED TO ALLOW US TO VIEW OUR FILES. Recently the bank sent an email to my ex-husband, who gave them permission the release the loan files to current attorney - XXXX XXXX ( XXXX ) XXXX, AGAIN THE BANK HAS NOT RELEASED OUR LOAN FILES. In fact, they have added {$870.00} to the payoff balance of the collateral loan for their legal expenses ( my attorney tells me that this is a violation of South Dakota law ). Should a US bank be permitted to withhold loan file details from the loanee 's inspection? Is the loanee ( who is responsible for paying back the loan ) not the owner of the content of the files? Can the bank unilaterally decide to add their legal fees to a loan payoff? If so can I unilaterally decide to deduct my legal fees from the loan balance? PLEASE assist us in dealing with First Interstate Bank. I realize, that this is a complicated complaint that has unfolded over years and contains hundreds of pages of documents, letters, and correspondence - I am incredibly frustrated trying to deal with First Interstate Bank - they have been unwilling to negotiate with us. I am attaching 8 documents ( the 2 original loan contracts, 4 collateral loan documents, email stating that they would release loan files to MrXXXX XXXX, and email where bank 's legal fees were added to our loan ) to get you started into understanding what has occurred. Please call me and Mr. XXXX for more details and to answer any questions you may have. Thank you.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX  identity theft and fraudulent charges! 

In XXXX of 2021, XXXX charged my debit card for 60 transactions totaling {$9900.00}. As this is a business account for XXXX XXXX XXXX  and I am the XXXX, I identified the problem at month end reconciliation and immediately reported it to Bank of America. The criminal also used my debit card to charge {$1200.00} in auto loan and Bill Pay expenses without verification. 

I have NEVER used XXXX and do not have an account. I have contacted XXXX multiple times but XXXX agents refuse to provide any details on the transaction. Multiple claims have been filed, including fraud claims open with Bank of America claims with identitytheft.gov, and police/FBI reports filed. XXXX has trapped me in a web of never-ending transfers and no one can provide any information despite transaction dates and unique identifiers being provided. 

Authorities are proceeding with the criminal case. Bank of America continues to move very slowly and provides no details or communications on their progress. XXXX refuses to answer any questions. Help!
Consumer complaint received 2018-06-29
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 — Problem with personal statement of dispute
Company: MIDCOUNTRY FINANCIAL CORP (GA)

I sent a validation letter to XXXX XXXX, a Division of XXXX XXXX requesting validation for a debt that is listed as a chargeoff. The company has received this validation request on the XX/XX/2018 and has not been able to validate this debt. I have requested that they send me 1 ) Debt validation in the form of an original bill and detailed statement of procedures, 2 ) An agreement that authorizes them to collect this debt, 3 ) The agreement bearing my signature stating that I have agreed to assume the debt, 4 ) Valid copies of the debt and interest charges, if any, 5 ) Proof that the statute of limitations has not expired, 6 ) Complete payment history on this account along with an accounting of all additional charges being assessed, if any, 7 ) Proof that they are licensed to collect in my state and 8 ) The company 's license numbers and Registered Agent. The company has failed to provide me with any of the information that is listed but yet, they have responded to all three credit agencies that this debt is valid and they are continuing to report this chargeoff on my credit reports.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NC)

Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XXXX - XXXX EST Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST There are a lot of these calls dating before XXXX hen answered, I hear dial tone and hangs up on me. If I call back, there is 'no record ' of my number in their system.
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarFinance Capital LLC, Irvine, CA Branch (NY)

I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX  collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing in dispute to the payment history reported fromXX/XX/2017 throughXX/XX/2017. During XX/XX/2017,XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XX/XX/, Equifax, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements fromXX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX   representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (KY)

The company began calling my adult sons cell phone, a number I have never used personally or listed on any account with anyone. My son explained that it was not my phone number but he could take a message, they repeatedly refused stating " we'll just try later '' and hung up before my son could say more. Finally, my son told them to stop calling because I could not be reached at that number and they hung up on him again. I called the number that they were calling from and tried to let them know that his was not a good number for me and has never been listed on anything for me. Since I do not know who they are or what they might be calling about, I would not " verify '' my personal information and when I would not, they would just hang up on me. I also explained to them that if this is about a specific bill ( the only one I have in collections ), that another company is also calling me stating that they are trying to collect this bill, so I need to verify who is supposed to be collecting this bill before I will give out any information. The lady just said, " oh no, it's not that '' and hung up. If the company is not going to identify themselves when asked or do anything other than hang up on me, it seems as if their intent is to harass, not collect. My understanding is that harassing phone calls, even from a legitimate debt collector, are illegal.
Consumer complaint received 2021-03-02
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. (GA)

Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. Thank you
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

I borrowed {$62000.00} in XXXX my mortgage company is Ocwen. I sold the condo XX/XX/XXXX. I just received the final payment for {$65.00} taxes, I don't even know? 
I borrowed {$62000.00} and just paid the loan off of {$58000.00}. I made the payment of {$440.00} for 13 years and 10 months. I feel XXXX financially. Please help me if you can. Financially XXXX. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

The mortgage servicer made XXXX errors on my mortgage account in the past two months : First, they automatically credited my XXXX XXXX mortgage payment erroneously to the escrow account. They then claimed that I did n't pay two months of mortgage payments and owe late fees. They also claimed that when I attempted to pay my XXXX XXXX payment, I entered an incorrect bank account number - but they did n't inform me until over three weeks later, thereby making for more late fees. I do n't believe any of this is accurate.
Consumer complaint received 2022-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (TN)

My name is XXXX XXXX. I discovered a problem when I was denied a credit card from XXXX XXXX for a XXXX card on XXXX. They sourced that on a XXXX XXXX report, a company called Net Credit XXXX had reported a delinquent account was open in my name on XXXX. I call Net Credit and asked what this was about and was met with reluctance to help from their debt collecting department and fraud department. The only information they gave me was a mailing address, phone number, and email address in which the account was opened under. None of which were mine, all the while they kept asking me for more personal information. I told them I will not give them anymore of my personal information because if they can open account in my name ( without my knowledge and consent ), then they should have all they the information they would need on me already. So the call got disconnected and I was never able to get in touch with a representative because when ever I called they would hang up. I called XXXX XXXX ( XXXX and XXXX also ) and filed a dispute on the the debt as well as a complaint with my local law enforcement agency. About XXXX weeks later XXXX XXXX mailed me conclusion that side with Net Credit. I told them that I was not satisficed with the outcome and they reopened the investigation. I have also filed a complaint with the FTC. The other credit bureaus have not given me any findings yet. I was advised by the TN District Attorney XXXX Consumer Affairs to ad the CFPB to the list of agencies that I needed to report this matter to. The debt amount is {$3500.00} with an past due of {$640.00}.