davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 

CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.
Consumer complaint received 2021-02-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (IL)

I paid a XXXX XXXX loan back in XX/XX/XXXX off. I was told when I contacted the parent company I had to debts. I was unaware of it. I made plans to pay off the XXXX XXXX. The lady informed me of the other one. I explained to her I did not remember that debt from 6 years ago. She told me it was XXXX XXXX. I told her to let me pay for this one. She threatens me with we are just going to report you. I have been receiving the calls of hang-ups from a XXXX area code number three times a day on my cellular phone. On today I got a call from XXXX who attempts to refuse whom and where she was calling from or for. I told her this is apart of the parent company that has the XXXX XXXX loan I paid. XXXX claims they just got the debt. I did not receive a letter or anything for this debt. XXXX claims I open this loan on my Birthday XX/XX/XXXX. I would have remembered a birthday loan. They have my phone number from the threatening company over XXXX XXXX. The call came in from National Credit Bill collector XXXX at XXXX. This is aggressive along with those consistent phone calls on cellular. the FDCPA was been broken.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Ocwen loan service LLC. I am trying to get a lone modefaction with Ocwen from XXXX, every year i send them money for 6 months, after that they told to reapply. from thaat time to XXXX XXXX. they tole me that i was owen over XXXX. i keep trying with them, XXXX of XXXX they told me my nodefaction was a prove. They told me to send three months payments, and second week in XXXX i will get my loan modefaction. theXX/XX/XXXXXXXX came and did'nt received, i spoke to them, they told me to send out the payment for that month, which i did. XXXX is here, i call them they told me they are sending the papers for me to sign, and it have to be in there office by XXXXOn the XXXX i call them and told them that i did'nt received, any paper work, my modefaction don'n worry he is going to email it to me which i never receive. i receive the paper work on XXXX which i sign a and return it express mail, when i spoke they told me my modefaction was denid. when i spoke to my manager again ehe told me to send out two payments then i will get my modefaction, i told them no i am not sending no more payments, on till. i get my modefaction
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

I got hired on with a new company and had to set-up my direct deposit. I went down to the nearest Chase bank and asked for my account number and my routing number. They printed it off with no issues. I then took it and turned it into my new employer. Here comes Friday, ( payday ) and the money still has n't hit my account. I called my employer and they said they sent it out for payment early on friday, which I should have my money into my account by XXXX or latest by XXXX Friday morning. My employer went through and double checked that the account number and routing number were the same as the form Chase had printed out. They said it matched up. So then I called Chase customer service and they said the bank gave me the wrong routing number and that they could n't do anything for me because the money has n't gone through yet. So I talked to a Manger because this is XXXX seeing how I got it from a Chase bank. I explained everything to her and she still said she could n't do anything about it. So my money is gone somewhere and I still have nothing. Chase is using every excuse in the book and not offering any fixes to this mess up that THEY did, not I.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

I just received a letter stating that my mortgage payment is past due. All my bills are paid automatically through my bank 's Online Bill Pay. There are a few payees who have an agreement with my bank to receive payment directly, electronically, including my mortgage company. I accessed my account online and show my payment was sent and processed on XXXX XXXX, 2016. So I accessed the mortgage company website and found the payment was, in fact received on XXXX XXXX, 2016. Because it was received before the beginning of the month, they applied the entire payment to the principal. Two days later, the day after the due date, they consider my payment past due. They 've done this in the past and so I had adjusted my payment submission date to the XXXX of the month. However, this time the XXXX of XXXX was a holiday since XXXX fell on a Sunday. Because of the holiday, my bank went to the last business day and sent the payment on XXXX XXXX. It does n't make sense for a mortgage company to have a due date of the first of the month and not accept a payment made before that date.
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

On XX/XX/2021 I learned that my property taxes were not paid. I called US Bank to see why it had not been paid they stated they received a bill for XXXX dollars. I informed them that it had to be a mistake and they should have contact the county. As of today US bank has not informed me that there was an issue with the taxes. Even after I spoken to numerous representatives from that company. I am highly disappointed with this company Im a service member just returning home from an XXXX  XXXX and I come home to this mess.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that  state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC (NJ)

In the middle of XXXX I requested a loan modification, due to getting hurt on the Job and I started to receiving XXXX benefits. I went through the trail period and successfully completed. According to Quicken loans I was late for the Month of XXXX XXXX and XXXX XXXX. Which was not true, They instructed me NOT to pay for those two months, and the proof are in the recordings. Please instruct Quicken and Loans to please provide all phone recording from XXXX XXXX to XXXX.
Consumer complaint received 2017-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed onXX/XX/XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX  at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XX/XX/XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, 3rd party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XX/XX/XXXX,  and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo sends me automated emails that my bank account will be closing with no explanation other than an unauthorized receipt of a XXXX. 

I have given all the proof that the individual that is scamming me is fraud and the transfer was legitimate. 

Wells Fargo will not even listen to me, see any of the facts I have, or even give me any kind of details to confirm who is the one making this dispute where I can resolve it.
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (DC)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by me.
Consumer complaint received 2017-12-06
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: Experian Information Solutions Inc. (CO)

Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I was a XXXX XXXX  service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from IC Systems for {$370.00} for XXXX. I disputed the charge again by calling IC Systems. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from XXXX XXXX for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from IC Systems for XXXX. I contacted IC Systems by mail disputing the debt and making the same statement as I did in my letter to XXXX. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by IC Systems for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (GA)

I believe my identity was stolen. I never opened up or even heard of the bank money lion until they took {$290.00} out of my bank account. They wont answer phone calls or emails. I just want my money back.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

I have already attempted to dispute XXXX through Best Buy credit card. This was for an unlocked XXXX cell phone. I attempted to return the phone and even though the phone was in new condition at the store and was unable. I was informed it was outside of the return policy time frame which I did research at a later date to find out was incorrect. Now I am stuck with product I dont want nor need.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-08
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: Experian Information Solutions Inc. (GA)

I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my report.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I woke up one morning with a hard inquiry on my account from XXXX XXXX, I never banked with XXXX XXXX before so this was concering. I called they the credit bureaus and they put a lock on my credit and gave me a passcode.
Consumer complaint received 2021-02-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (GA)

EOS CCA alleged that I owe them {$32000.00} for student loan debt that they claim they purchased from XXXX XXXX , XXXX EOS CCA REFUSES to provide me with an account statement or any type of written communication to validate this debt. I have asked for such validation in writing on two occasions, via certified mail, in XXXX of XXXX and again today, on XX/XX/XXXX. Today, I again, spoke with XXXX at EOS CCA, who informed me that she could not provide me any account statements or any other such documentation to validate this debt. I have paid monthly payments to EOS CCA for this debt each and every month from XXXX of XXXX through now, XX/XX/XXXX. EOS CCA refuses to provide me with any documentation that reflects receipts of those payments or that such payments have been credited to my account. On XX/XX/XXXX I obtained copies of my credit reports from all three credit bureaus, XXXX, XXXX and XXXX. None of my credit reports reflect any debt owed to EOS CCA. 

In summary, EOS CCA has refused to validate this debt, despite my written request for them to do so on two occasions, via certified mail, EOS CCA has refused to provide me with any account statements for this alleged debt, EOS CCA has refused to provide me with any documentation that they have credited my account with the payments I have made to them each month from XXXX of XXXX through XX/XX/XXXX, and EOS CCA hasn't even reported this alleged debt owed to any of the credit bureaus. I have absolutely no way to know if this is in fact a valid debt. Please help me.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have an account on my credit report with Equifax from XXXXXXXX XXXX  which is showing as a Charge-Off. I have paid this item and disputed this fact with Equifax on XX/XX/XXXX. The projected completion date was XX/XX/XXXX, and I still have not received an update on this, and it is still showing as Pending in their system ( screenshot attached ). I pulled my credit again today, and saw it still has not been changed, but states " This item is currently under investigation. '' This has been 'under investigation ' for two months! If they can not verify the information, they have a legal obligation to remove it from my credit report within 30 days of the dispute, which they have not done. 

Additionally, they are now PREVENTING me from making any further dispute, complaint or statement on this account. This affects my credit score and my ability to obtain credit. 

I want this item removed from my credit report. At the very least, it should be noted that it was paid in full.