davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NY)

I used credit karma many times and applied for credit cards trying to build my credit with cards the showed my I had high chance of approvals and was denied multiple times because of inaccurate information. I would have never applied to these cards had I known I would of been denied and it hurt my credit score even more
Consumer complaint received 2019-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (MD)

I entered into a payment plan with the Hospital and was told that they did not have enough information for the billing. It was turned over to a collection agency. 
I paid the collection amount in XXXX in full. They have not corrected the credit reporting and told me they would send me documentation that they would. They still have not nor have they fixed the credit bureau reporting and actually verified the credit bureau to say they were reporting accurately. I am enclosing receipt of my payment as proof as well. They also when I call confirm on the phone I do not owe but will not report properly.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our Bank of America credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with Bank of America, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from XXXX XXXX XXXX for the amount of {$3100.00} from Bank of America and FIA Card Services. I asked Bank of America what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with Bank of America. XXXX XXXX XXXX is also trying to collect a charged off amount of {$2700.00} which is also from Bank of America. It was charged off in XXXX. Also, Bank of America / FIA Card Services was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.
Consumer complaint received 2022-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX sent a batch check # XXXX on XX/XX/2022 for {$11000.00} of which {$1900.00} were to apply for my monthly payment. As of today nothing is apply in my account. All the times I have called or chatted they say that nothing has been registered in my account and that it is impossible for them to know if the check arrived. Also another check # XXXX was send on XX/XX/2022 and to this day nothing also.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Google Compare Credit Cards Inc. (PA)

Google XXXX has been deleting my bad reviews of apps from XXXX. I find that XXXX apps are scams that steal information about me that is stored on my phone or other app accounts. There have also been false claims of winning money to watch commercials. A lot of these commercials lead to scam websites for jobs that want money to hire you. And loan apps that lead to unwanted phone calls and texts. Google XXXX  also places apps on my phone without my permission that it won't allow me to uninstall. Like XXXX apps that can be gotten from The XXXX XXXX app store
Consumer complaint received 2020-07-20
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. (PA)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2019-06-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC (AL)

Back in XX/XX/2014 I lost my job and had to give back my car. They ( XXXX XXXX ) repossed it. I was served a summons to go to court by Troy Capital for the debt on the car. Ive never done business with Troy Capital before. I have a court date on XX/XX/XXXX for it.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center (IL)

Received letter of {$11000.00} open credit balance first time from NY base debt collector company address with XXXX XXXX phone number and again today received letter from Debt Relief XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, Massachuetts This is total harrasment.
Consumer complaint received 2019-06-01
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. (CT)

I have been disputing back and forth with experience, XXXX and XXXX regarding them reporting my XXXX XXXX account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (MA)

My parents are trying to close on a loan for a condo. My parents are elderly and XXXX. The broker who was supposed to do it for us is doing things that don't make any sense for us. My parents are qualified for a loan but the broker kept pushing the date for closing back without giving us any explanation why. We contacted the bank that qualified us for the loan but they can't give us a straight answer as to why this is happening. Since XXXX the broker would give us a closing date only to change the date on us without any explanation. We're in the the process for too long to start over but we need a solution. We need help on what to do next.
Consumer complaint received 2020-07-20
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. (PA)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2018-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hard inquiry on all 3 credit reports from capital one na XX/XX/XXXX that I did not make. I sent capital one a letter XX/XX/XXXX asked them to validate or remove it. I received a blanket response from capital one XX/XX/XXXX reference number XXXX Which is simply a blanket response explaining types of inquiries. It is a hard inquiry that I did not make and they have failed to validate in over 30 days. I want it removed. I spoke to supervisor XXXX today at capital one and she asked for more time. Their time is up.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. States I have the right to dispute any information I believe to be incorrect, outdated, or unfairly reported.

15 USC 166b. States a creditor may not treat a credit card account under a consumer plan as late for any purpose.

15 USC 1692g. states the vailation of debts USC sectio 1681e ( b ) reporting agency prepares a conssumer report it shall follow procedures to assure maximum possile accuracy of the information concerning the individual account.
Consumer complaint received 2022-09-13
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. (TX)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase just purchased my mortgage on the secondary market. My mortgage payment jumped {$500.00} last month which I assumed was a few month issue due to increased property taxes. When I called to address this with them, they put me through to a specialist her response was that under federal law, they had, to hold two months worth of property tax escrow payments. What I figured out after an hour of research is that under federal law a mortgagee is allowed to require up to two months worth of escrow payments, as a balance in the account, plus {$50.00}. The reality is that when an inquiry comes, Chase is misleading their mortgagors into believing that it is required under federal law to keep two months worth of escrow as a cash balance in their account, with ZERO notice. It took me 30 minutes of cross examining this woman for her to admit this is not mandated by federal law, rather a chase policy that is allowed under federal law. I am a XXXX  so thankfully I have the tools to get to the bottom of it. My concern is that most people dont have the requisite knowledge to get to the bottom of it, and what they end up doing is likely paying a way higher mortgage +escrow payment ( mine increased by 33 % alone ), under the guise that federal law mandates this, rather than being able to opt out. This is at minimum a misleading policy by chase at at most fraudulent and hopefully it gets looked into. I have no problem paying an increased mortgage payment, thankfully. However, I imagine MANY people have been taken advantage of by this policy, and whats really concerning is those that have been taken advantage of who do not have the means to afford it. All the while, their money is sitting in an escrow account, earning zero interest. You can reach me on my cell phone at XXXX XXXX XXXX and I look forward to a phone call.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

Due to an Identity Theft problem in XXXX we placed a security freeze on our experian account. I have tried to lift the freeze with the pin provided for my account but the PIN I was given did not work. I then send a certified letter and form as specified on the experian website to receive a PIN. I submitted copies of SS card, drivers license and utility bill and bank statement to their address in XXXX TX as stated on their form which they received according to my tracking number from the US Mail on Wed, XX/XX/XXXX. They have NOT sent my temporary pin and I can not conduct the business I wish to without unfreezing. They do NOT have any way of contacting them except by this P.O. Box so I am held hostage by them. This is absolutely wrong. Please help me to resolve this issue. Thank you for any help you may provide.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Company denied me for a checking account based on credit score. 



XX/XX/2022 XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX XXXX was denied an extension of credit by PENFED. On XX/XX/2022, I applied for a Free Checking Account. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). PENFED has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both proof and evidence that I have been discriminated against, you are also criminally liable. PENFED CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX, XXXX. 
Without prejudice, all natural inalienable rights reserved.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

After checking my 2 credit reports with Equifax XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.
Consumer complaint received 2022-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report
Consumer complaint received 2021-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information on my credit report.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.
Consumer complaint received 2021-03-02
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: TD BANK US HOLDING COMPANY (MO)

This account has been in collection since XXXX. With XXXX Collections Reference Number XXXX. TD Bank/Target Red Card. On the day of XX/XX/XXXX I contacted XXXX in regard to three accounts that they are in possession of., but in regards to this account. the morning of XX/XX/XXXX at appox. XXXX CST I called three times. the first I was referred to Target supposedly through this number XXXX. I was told there was no way to pay bill online four times, I asked to speak to a supervisor and was denied access. The CSR said she was an account manger not a supervisor. The CSR stated she would disconnect the call if I did not listen. So I did it for her. then Call The Federal Reserve who then placed me in contact with your Agency. I called your Agency at XXXX CST. and CSR REP gave information of how to file complaint I decided to file on line instead of over the phone. XXXX XXXX XXXX # XXXX XX/XX/XXXX