davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

At the time I entered a loan agreement with Huntington bank, they detailed all the fees involved with the note, as they should. Now at the time of paying them off, they have decided to tack on additional fees to further increase their profit. These added fees were never disclosed or agreed to. I contacted Huntington Bank to see where in the agreement they indicated these would be additional fees associated with the loan and they agreed it was not in the agreement. In dispute are a fee to fax payoff of {$15.00} and a recording fee of {$30.00}. They did agree to drop the fax fee of {$15.00}. 

If a bank is required to disclose all fees, that means all fees. A bank should not be allowed to just arbitrarily add cost and fees on the back end. They do detail many different fees in the note. It has to be assumed this is a complete list of fees, otherwise, why publish anything if they have the right to just make up fees at the end.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit acceptance went and pulled my credit... .two times... 

XX/XX/XXXX and the XXXX... 

I asked the car dealership to stop the transaction... 

Because I has purchased a vehicle with cash... 

I did not need my credit pulled... 

They ( XXXX XXXX - XXXX Ga ) did it anyways... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Harris & Harris, Ltd. (TX)

My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge
Consumer complaint received 2020-08-31
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. (TX)

The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (NJ)

In my credit score it has listed that i have 2 derogatory closed accounts from my student loans. Both accounts were satisfied and paid in full from my Federal Tax return this year in XX/XX/2020, i have a letter from the IRS stating and showing that my Ferderal Tax return was taken to satisfy these delinquent accounts. And now that they are closed and satisfied its still showing on my credit report and showing that i owe when in fact I do not!
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have been a full-time XXXX XXXX since XX/XX/XXXX. I saw an ad in the newspaper about Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. I consolidated my federal loans in XX/XX/XXXX and was told that I was good to go and on track for PSLF. In XX/XX/XXXX I filed the paperwork to have my loan transferred to XXXX to finalize the PSLF process. In XX/XX/XXXX I  was informed via email that although my employment was certified, none of my 9+ years of on-time, consecutive payments would count towards PSLF because I was on an ineligible repayment plan. During the past now 10+ years of payments I have paid over {$36000.00} in interest. Had I known that I was terribly misled, I would have paid off this loan many years ago and not gotten hammered with all this interest. I now have almost {$44000.00} in principal left on the original loan amount of {$46000.00}. I never would have agreed to pay that much interest under any circumstances. I went through the complaint and appeal process with XXXX and was told that there was nothing they could do because Congress makes the rules. This is completely unacceptable.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

I noticed this past Friday that a withdrawal of most of the funds in my savings account was performed without my consent. 
The funds from my savings account went directly into a Citibank checking account. After speaking to my own bank to rectify the situation, I contacted Citibank directly who mentioned that indeed an account was open with my information and has since been closed. They then offered a free XXXX credit check service.
Consumer complaint received 2020-12-09
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: CITIBANK, N.A. (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Citibank Na., Best Buy add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

In XXXX I asked XXXX XXXX of US Bank if he could help with a loan I was trying to get on a home in Montana. He said yes and connected me with XXXX XXXX of US Bank in XXXX. Btw both people are very nice and were cordial all thru the process. Closing was for XXXX XXXX, 2020. During the process I got to them all the underwriting items they asked for. They told me I had " Conditional Approval '' on numerous occassions. 2 weeks before closing they said they could not do the loan in the XXXX name as my XXXX brother in laws did not fit their underwriting guidlines. They said they could do it in my name though. I told them since day 1 I had a $ XXXX deposit that was not refundable. They knew this but kept telling me that they could close it. 3 days before closing they told me that their outside attorneys said they could not close the loan in my name if we bought it in the XXXX  name. A complete reversal of what they said 2 weeks ago. Instead of closing on it with financing I closed with cash. what they did was VERY wrong. It was not XXXX it was her bosses who really XXXX  with me. I dont want anyone to go thru this again and I want action taken against them.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

When I attempt to visit my loan servicer 's ( Ocwen ) website to view information about my mortgage, I am told that it does not recognize my login ( i.e. my email address ) and then am informed by the website " Oops! Something went wrong. '' when I attempt to confirm/add my " new '' email address so I can log into their system by providing my loan number, last four digits of my SSN, and my home 's zip code.

This very same issue occurred previously ( approx. 1 year ago ), and after finally connecting with a member of Ocwen 's team via phone, I was assured the glitch had been fixed, but it has clearly not been.

Interestingly, though, in the interim I have continued to receive emails from Ocwen regarding my payment status and offering refinance options at the same address the company claims is not associated with my account for login purposes. As the rate of my ARM mortgage continues to increase above market rates, it sure seems coincidental that Ocwen 's system is still unable ( unwilling? ) to allow me access to my account and information re : my mortgage.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DC)

Use Citibank bill pay to pay rent each month, in which {$4000.00} is deducted from my account, and Citi mails a check. The XXXX check was never received by recipient. In XXXX, requested a reissue. 
On XX/XX/XXXX, bank credited my account for XXXX check ( paymentXXXX ), but rather than issue one new check for {$4000.00}, it issued two checks, reducing my account by {$8000.00}. 
I notified bank using online chat of the issues on XX/XX/XXXX. I was advised they would credit my account by XX/XX/XXXX, so long as check wasnt cashed. 
It is XX/XX/XXXX today, my landlord returned the physical check to me ( # XXXX, check # XXXX ), thus confirming its not cashed. 
Citi have still not made my account whole, which means my payments from my account will default from today. On advising Citi that they need to find a resolution to ensure Im not penalized for their error, they advised they will provide no assistance. 
Im still missing my {$4000.00}.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Received an alert XX/XX/2021 of a derogatory account was listed on my credit report. Was removed by XXXX and XXXX immediately as it was an account deleted previously last year after company could not verify debt. Contacted company 3 times via certified mail after violation of FDCPA of not notifying right to dispute. Company refuses to provide documentation to verify debt by law or remove debt in accordance with FDCPA. 3 certified letters : XX/XX/2021 : USPS XXXX ; XX/XX/2021 : USPS XXXX and XX/XX/2021 : USPS XXXX
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NH)

I sold ether tokens valued at XXXX dollars total it was suppose to deposit to my account instantantly it did not this was XXXX XXXX i 've called 3 times since its almost the XXXX of XXXX and this has not been resolved because my money was tied up i missed out on a XXXX dollar profit. when you use their email service it removes you from the que and puts you at the back of the line anytime you inquire about the status of your case. they dont give you a timeline for the problem to be resolved and depending on what button you push when you call it may instantly hang up on you
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (GA)

I do not owe any debts to Absolute Resolutions. This company has violated my rights under the FCRA. Absolute Resolutions by law had a responcibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. Absolute claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX Absolute resolutions had a legal onligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for Absolute resolutions to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attemtps to collect this debt will result in lgal action against Absolute resolutions for violating my rights.
Consumer complaint received 2017-12-12
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. (IL)

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX XXXX and Transunion informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX Transunion File # XXXX - I 've sent XXXX disputes and 4 pone calls
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I was amazed when I viewed my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I was behind on my mortgage payments, and in XX/XX/2022 was sendind documents like income taxes to the mortgage company to apply for a loan modification & in XX/XX/XXXX I sufferred XXXX XXXX & get in XXXX XXXXXXXX here in XXXX XXXX, Texas, been in hospital since that date & the mortgage company set up my property for a foreclosure on XX/XX/2022.
Consumer complaint received 2020-09-13
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

Both JPMCB XXXX and XXXX XXXX accounts do not belong to me I have previously disputed this account and requested to be removed since I do not even remember opening or authorized these companies to access my credit. There is no relationship with me and chase XXXX and there is no relationship between me and XXXX XXXX. My perfect credit record is being tarnished by illegally reported accounts on XXXX  only. I am suffering tremendously financially and my reputation is suffering. These are the only accounts on my credit reporting negative and they are not even my accounts. I will seek damages and full compensation for XXXX XXXX, Chase 's, and XXXX 's negligence.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I went to log into my Chase bank account on XX/XX/XXXX. It said that my account is locked due to suspicious fraud activity. So I called the bank to find out what happened and they said they are no longer continue in a relationship with me and would not give a reason why. I have four account with them two of them are college account for my daughters. My one daughter is receiving unemployment and had a large deposit put into her town about a week ago for the back pay for unemployment. When talking to customer service a supervisor told me I can go to the branch and withdraw my funds and not have to wait for a check so I go there to do it and they will not help me. I also left a message for the branch manager on XXXX to call me to see if he can release the funds and he has not called me back. So while I'm at the branch I call customer service and the guy on the phone told the personal banker that they have to release the funds in my checking account because those are not related to the unemployment and it's against Federal regulations to hold the funds in that account that are from my employer. He still refused to do so his name was XXXX at the bank. He told me he would email the branch manager XXXX the contact me on Monday XX/XX/XXXX to see about getting my funds released. This is the same branch manager that did not call me back on XX/XX/XXXX and he did not call me back on XX/XX/XXXX either. I am still waiting for my funds to be released and I don't know what to do at this point. The branch manager refuses refuses to take my calls or return them and I need him to release the funds according to the customer service call center
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (MI)

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 Has violated my rights 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. 
XXXX
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone called and made false claims on ATM transactions on XX/XX/XXXX and XXXX and temporary credit was added to my account. Those same two days, {$2500.00} on XX/XX/XXXX, {$2500.00} and {$5300.00} on XX/XX/XXXX was taken out of my account. I was told someone had to have called and confirmed they were me, I received no calls or emails on fraud alert. When the initial ATM claims were investigated and closed, the bank withdrew the amounts that were temporarily added, out of my account, but since someone withdrew those amounts, my accounts went negative and thats when I realized this happened, and called on XX/XX/XXXX. I have now opened 3 fraud claims and they were closed, so I had them reopened. Im sending in documents that show I had class that day so I was on XXXX  class from XXXX and XXXX and I have multiple eyewitnesses who saw me throughout the day, two eyewitnesses I was with all day, the first with me from XXXX and the other I was with from XXXX and then I worked at XXXX. I am in the process of obtaining those records and documents to try and prove I was in XXXX Tx that entire day and not in XXXX where the ATM fraud occurred. They have not been able to show me any ATM or bank footage which could prove it was not me. They wont look at the number or call records that called in to the bank as me and made false claims and edited my account settings, which would clearly not be my voice or phone number.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (MI)

I've been receiving phone calls from GC services at ( XXXX ) XXXX indicating that I owe them debt for the state of XXXX XXXX  XXXX for taxes in XXXX. I was unemployed in XXXX and there's no way that I owe this debt. I filed bankruptcy in XXXX and all debts were paid or dismissed. I'm being exploited for debt that was already paid. Please help. I've reached out to this agency several times. Although I'm being discriminated against and exploited, my complaints are not being resolved. I'm requesting proof of the debt owed as it is disputed because of resolve.