davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase Wallet made an unauthorized transaction to an unknown wallet on XX/XX/2021. 
They transferred XXXX XXXX ( XXXX ) resulting in a loss of over {$2400.00}. 

I submitted a claim and the company wrote back saying the wallet is compromised and there is nothing they can do. They suggested changing to a new wallet.
Consumer complaint received 2020-10-22
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. (CA)

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, Transunion and XXXX.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

XXXX XXXX in XXXX Michigan ran a credit inquiry on me without my permission. I noticed it on my credit report and contacted them. They were of NO assistance in the matter. I already have an open dialogue/dispute ongoing with the company about a fraudulent account they allowed to be opened in my name in XXXX of XXXX. The bill for that fraudulent account went into collections and still remains on my credit report.
Consumer complaint received 2020-10-22
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. (SC)

I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my Equifax report it shows that I made two payments directly to finger hut XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. XXXX But my Equifax account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX  but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter
Consumer complaint received 2020-10-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : TransUnion is reporting a payment status of current with no late payments, XXXX  is reporting a payment status of current with no late payments and XXXX  is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2018-09-19
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. (GA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-19
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. (GA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

While making a purchase on HomeDepot 's website, homedepot.com, on XX/XX/2020 I was prompted with a promotional offer to sign up for their store credit card and I would receive {$100.00} off my $ XXXX purchase. I signed up for this credit card through the website, was approved, and paid for the purchase totalling {$1300.00} with the store credit card. I did not receive any discount at the time of purchase, and when I called the customer service line I was told it would show up as a billing credit on my next statement. 

Today, XX/XX/2020, when reviewing the billing statement that included this purchase there was no credit applied. I called home depot 's customer care team a second time, and was told that I would need to call the issuing bank in order to have this resolved. I then called the home depot consumer credit card support line ( XXXX ) which is run by Citi Bank, and was told that they were unable to assist me at the current time and I would have to call back in several hours to see if they could submit a case to their back-office. 

The run-around I am being given to receive the promotional credit I was promised is unacceptable, and is clearly designed to ensure people do not actually receive the credit they are owed.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

This company keeps harassing me. This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is Im accurately reporting on my credit file. I have no knowledge of the accounts that they are reporting. 

The accounts listed as : Midland funding {$3200.00} Midland Funding LLC {$340.00} The accounts listed on my credit file are not my accounts. 

Midland Funding LLC are in violation of the FCRA. 

I did NOT give Midland Funding LLC any authorization to access or report on my credit file. 

Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. 

I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file, they have not responded after my many attempts of reaching out to them. 


Midland Funding LLC has threatened me with lawsuits and garnishing my wages but has mot provided me with any of the information I have asked for regarding these accounts. I work extremely hard for my money. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that dont belong to me. 

I have no obligations or signed contracts with Midland Funding LLC. 

I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NV)

XXXX apartments fraudulent fees. I did not forfeit my rental agreement but am getting charged for fees that I did not incur. Don, t understand why they are charging me over {$600.00} dollars. These are fraudulent charges that a manager decided he wanted to do.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I called Capital One to discuss the fee on my Venture credit card. I am not traveling due to COVID-19 and do not want to pay an annual fee ( {$95.00} ) for a card that I am not getting benefits from. I asked for my options, and they said they could not do anything until the annual fee posted and call back. I asked if could downgraded then and that they could prorate the annual fee if I decide to change products, and the customer service rep said " absolutely, no problem whatsoever ''. Fair, so I waited until XX/XX/XXXX, as I saw my annual fee posted on XX/XX/XXXX. I called without success to have the fee waived or get a retention offer, and when I tried to product change, they now claim that the fee can not be prorated! This is pure deception by Capital One, and is predatory behavior.
Consumer complaint received 2018-09-19
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. (MI)

XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (FL)

I have sent a letter to the debt buyer named  JH Portfolio   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  I SAW THIS IN MY CREDIT REPORT CONTACTED THEM ASKING WHY I SEE IN MY SS THIS DEBT THEY DID NOT ANSWER I HAVE MAILED A LETTER REQUESTING VALIDATION OF DEBT THEY RECEIVED IT IN  XXXX   XXXX  BUT NEVER RESPONDES AS OF TODAY  XXXX / XXXX / 17  ATTACHED LETTER FOR DOCUMENTATION. STILL SHOWING ON  XXXX  BUREAUS NOTIFIED BUREAUS ABOUT DEBT STILL REPORTING DEBT THIS IS AN UNVERIFIED ACCOUNT IN MY REPORT HAS CONTACTED THE BUREAUS BUT THEY STILL SHOWING REPORTED POLICE REPORTS FOR ID THEFT GIVEN TO ALL BUREAUS AS WELL AS FTC ID THEFT AFFIDAVIT ALL DOCUMENTATION SUPPLIED TO THE BUREAUS COMPANY STILL SHOWING REPORTED
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NV)

At month of XXXX ( or XXXX ) my chase bank offered me to upgrade my southwest credit card for the new upper card ... .and will be rewarded with XXXX rapid reward points to my southwest airline account with the condition of spending {$140.00} until XX/XX/21 ... .I accepted the offer and immediately use the card with a new hotel booking part of my trip to Florida ( XX/XX/21 ) and much more items into that card ... .its now more then 6-8 weeks that NO points were rewarded as that agreement ... each time I contacted Chase they are assuring me those points are into my account despite I am contacting XXXX XXXX that confirms NO points are in my account as well I can see that each day I try to check my rapid reward balance
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (FL)

On XX/XX/2020 at XXXX XXXX, Spoke to XXXX XXXX was put on hold and then cut off. Returned call and was routed back to XXXX at XXXX XXXX. Requested information on the debt as none had been provided in writing. I became aware through my credit report. XXXX would not provide the information and began yelling and making accusations. Refused to transfer to a supervisor when asked multiple times and continued to yell and cut me off from speaking then said he was done talking to me and hung up the call.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

I had previously been a XXXXXXXX XXXX savings account customer. On XX/XX/XXXX, I re-opened an account to take advantage of their interest rate structure using XXXX XXXX miles, as I plan to begin traveling more again. My account was re-opened, and on XX/XX/XXXX, after linking an external account, I initiated a transfer of {$5000.00} from my XXXX XXXX checking to my XXXXXXXX XXXX  savings account. The next day, XX/XX/XXXX my account was locked, and I could not access it online. I called their customer support number and was told that " someone would reach out to me '' to resolve this issue. However, on XX/XX/XXXX the transfer that I had initiated was completed, and {$5000.00} was taken from my checking account and deposited into my XXXXXXXX XXXX savings account that I can not access. I called the customer support number again to explain the situation, and was told that all I can do is wait for someone to call me back. Until then, I have no recourse for getting my money back and still no access to my account. I was frustrated enough when they locked my account, which they have not been able to give me an explanation for over the phone, just stating that it is " in review, '' but the fact that they still completed the transfer AFTER locking my account is completely unacceptable, as now I no longer have access to those funds. They need to make this situation right.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX ( first year paying taxes through escrow ), loan servicer sent us a refund check for the remaining balance in our escrow rather than pay the county we owed taxes to. Then, the taxes came out of the account and put us into a " shortage ''. 

XXXX Received our escrow analysis from XXXX claiming we were in a " shortage '' and that our payments would be increased from {$2200.00} to {$2300.00}. That would be an additional {$92.00} for the next 36 months to cover the shortage of {$3300.00}. 

XXXX XXXX XX/XX/XXXX Escrow Analysis arrives stating we are now short {$3700.00} ( MORE than last year 's shortage ) and our monthly payment will increase by {$150.00} a month for the next 24 months beginning XX/XX/XXXX. 
Brought our bill from {$2300.00} to {$2400.00}. 

XXXX XXXX received an email of the escrow analysis ( although we had received the one in the mail in XXXX ). The email contains a video presentation stating we are now {$5600.00} short in escrow and beginning XX/XX/XXXX our mortgage will be increasing to {$2600.00}. 
I reviewed our mortgage payment statement online. {$1000.00} a month goes into escrow. Our taxes every year are less than {$10000.00}. So if we are paying {$12000.00} into escrow a year, and taxes are only {$10000.00} ( which they haven't been that high yet ) ... why are we coming up SHORT? We are paying at least {$2000.00} extra into escrow. Why is our escrow shortage continuing to accrue a negative balance? And why does our mortgage continue to increase, although we are already paying to cover the shortage? 
Please help! We are paying what they asked of us to cover the shortage AND our taxes... where is our escrow money going? How can they keep raising our payment by hundreds of dollars when they did the analysis and established the money needed to pay off the shortage and we are gladly paying it? 

I am happy to provide all my Escrow Analysis documents from the first year we lived here. I can provide any information you need.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

The account in question in discussion is Amex Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 XXXX XXXX XXXX XXXX XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/23 I was adverse possessed /disibility abused by with a 24 hour eviction by Wells Fargo an XXXX XXXX. The house was foreclosed on XX/XX/23. So, I was forbade to enter the property and XXXX XXXX had no Color of Title. I don't know him well he is a mechanic in the Community and he did not frequent or socialize with me. Wells Fargo allowed XXXX XXXX access to my property before the foreclosure on XX/XX/23. Please help me I am a XXXX single parent who has been adverse possessed/disibility abused and has had reputation tarnished and been deprived other housing opportunities because of this.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent complaints to the CFBP and XXXX about some entries on my Experian report. The companies are XXXX XXXX and XXXX XXXX. Both of these companies responded that these tradelines will be removed from my Experian report. I have attached both responses from both companies. Please read the responses in entirety. Please remove both companies from my report as soon as possibleas this is hurting my ability to obtain financing for a new house.
Consumer complaint received 2020-11-22
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. (VA)

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB CARD add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scratch Services, Inc. (TX)

XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating my account was being transferred to XXXX XXXX effective XX/XX/scrub>XXXX XXXX 2023. 
XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating the XXXX XXXX, 2023 loan statement for my XXXX XXXX XXXX XXXX  is ready. 
XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating my payment of {$120.00} is scheduled for XX/XX/scrub>XXXX, 2023. 
XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating they received my XX/XX/year>2023 payment. 
XXXX XXXX, 2023 Called XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, regarding XX/XX/XXXX payment. The representative said they did not get it. They can not get any information from Scratch. I will have to call them to get information about the payment. 
Called Scratch Services, XXXX, ( XXXX ) XXXX, XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX am, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XXXX XXXX 2023. 
Called Scratch Services, XXXX, ( XXXX ) XXXX, XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XXXX XXXX  2023. 
Called Scratch Services, XXXX, ( XXXX ) XXXX, XXXX XXXX, 2023 XXXX XXXX, answered by voicemail XXXX XXXX, 2023 Received email from Scratch Services, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XXXX XXXX 2023.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of Identity Theft, reports filed. I submitted FCRA reports to each credit reporting agency in XX/XX/2019 and XX/XX/2019. 
XXXX and XXXX have removed the fraudulent account. Equifax has not removed the account after receiving the documentation for months ago. 

Listed below is the referenced account : XXXX XXXX XXXX XXXX XXXX - Balance I have no knowledge of this account and this account is hindering me from moving forward with purchasing my home.