davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (VA)

XXXX tried to collect my medical bill without my creditor 's approval, XXXX XXXX XXXX. Apparently XXXX debited my checking account for the amount of {$1300.00} without my approval. As it turns out, I paid the medical bill a few days later with a check to XXXX XXXX XXXX, without realizing XXXX debit against my checking account. In my opinion, this transaction was a totally a fraud. I complained this to my bank. My bank credited the amount within two weeks.
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HANCOCK WHITNEY BANK (LA)

Whitney bank located at XXXX XXXX XXXX XXXX in XXXX Louisiana refused a lawful method of payment for a vehicle. XXXX XXXX XXXX, the manager, refused to look at documentation provided and refused to read the laws that govern this method of payment. I have tried to reach the president to enforce the transaction be done and have left 2 voicemails. I have yet to hear from him. I am also considering taking this to the media as well. I am under UCC laws and am a private investor. I currently have an account at Whitney, but I believe I will do my banking elsewhere.
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX and # 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 : Also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (IN)

I am paying for Experian Boost. Im a single XXXX mother of XXXX son. We lost our home, small resume preparation business, our car due to the Pandemic. We have both been very ill with the virus. I realize it isnt pertinent to Experian but it is to us. I am trying to raise my credit score to buy a home. Experian is reporting as if they are connected to my checking account but due to a glitch they admitted via email is on their end, they are not connected. They are reporting my income as {$780.00} vs expenses of {$2600.00}. I have no idea where they came up that figure. I have no credit card or any debt except student loans that have been deferred for years. My debt ratio is about 4 %. Its really hard to get a live person on the toll free number and their reps say different things. One rep told me if I cancel my Experian membership it will lower my credit score. I get paid and pay my bills via my XXXX XXXX XXXX for my XXXX payments. Experian can not help me connect my XXXX XXXX card to their system. They also wont accept any verification of accounts for Experian Boost except auto pay. I can not email or mail verification of my utility bills. The other problem that causes is if I dont always pay my utilities consecutively with auto pay they only show the payments they see. Experian is my lowest credit score. Im paying for Boost and they are incorrectly gathering and reporting my information.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputed these charges and Bank of America keeps denying the claim. They said I needed a police report so I made one. Then they still denied the charge. Then they said I admitted to the charges which was false. They said since I paid the charges that was me admitted to it. I paid the charges because I was purchasing a house and also I didn't want a late charge on my credit report. I have spent countless hours on the phone with BOA and nothing gets done. I have called the merchants also and they say we will call you back and they never do. During the time of the charges I never traveled and in fact I never traveled to XXXX in the past 4 years.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. MIDLAND CREDIT MANAGEM XXXX XX/XX/2021 Balance {$440.00} ;
Consumer complaint received 2021-07-08
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NC)

A XXXX vacuum was put in my name and my signature was forged on contract, I have talk to company about fixing my credit report and they gave me excuses and requested I pay off the vacuum, instead of doing there job I obtain all documents they requested to remove it and they have failed to do so. They also have threatened to continue to ruin my credit history of I don't pay for it so I'm kinda of stuck paying for it at the moment.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

I ( XXXX XXXX XXXX ) applied for a mortgage modification through my mortgage servicing company PHH Mortgage. They sent me back a modification package that said i would have a balloon payment of XXXX at the end of the modification period. I have called them and talked to several people to try to get some clarification on the balloon payment. They have told me that the XXXX is in addition to the XXXX i currently owe on my loan. I couldn't believe what i was hearing, PHH mortgage company is adding XXXX to my loan amount because i am having trouble with making payments because i was forced to retire and my income is 66 % less than it has been. This is not helping me its actually hurting me in the long run. This can not be a fair practice, A mortgage company adds almost XXXX dollars to the balance of a persons loan whose income was cut by 66 %.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (GA)

These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.
Consumer complaint received 2021-11-11
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. (PA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

Owner XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Washington, DC XXXX Contact XXXX XXXX Account number XXXX PHH Mortgage Services XXXX. XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, contacting you to discuss my mortgage and the serious issues I am having with my mortgage. I am in pre-foreclosure. I am 1990 days behind in my mortgage payment. 
My XXXXirst mortgage company XXXX XXXX  XXXX XXXX, which was closed by the Government for mortgage fraud case. This started with my hardship of my husband passing away, than I lost my 23 year job. I experienced 2 great lost. With losing an income and my job I reached out to Housing counseling who set me up with a pro-bono attorney. This attorney was horrible, I told him this mortgage is a fraud account he agreed and stated he would point that fact out in court he did not say a word to the judge. 

This account continues to be under review, when I spoke to my customer account manager on XX/XX/2021 he states that they are waiting for XXXX XXXX who is the owner of the loan, XXXX XXXX has not sent the required approval for the loan to be modified. When contacting XXXX XXXX they state they " don't own the loan '' I have sent in all requested documents, i.e. tax years, bank statements, 3 pay studs, also my son 's document also. I have a full and part time job and social security. 
I am overwhelmed with this on-going merry-go-round. Please know this is very serious and I am taking it as so. 

Please assist me in this 1900 day of turmoil. 

A true and sincere thank you for your attention is this very serious matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (NV)

My account got paid in full and because of COVID I was initially having a hard time. Every time I would call BMW they would tell me not to worry nothing will get reported to my credit bureau. I always checked with different representatives regarding this issue. After I paid my entire balance off BMW decided to report to CRA that I was late. This is misleading information and this should have never been reported to the bureau because I have always been on time. As of XXXX it is reporting 90 days past due. I paid the balance off spoke to representative and they advised not to worry
Consumer complaint received 2021-07-08
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. (GA)

Hello, The following acounts are not mine. 

XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP
Consumer complaint received 2020-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.
Consumer complaint received 2021-05-03
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)

They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..
Consumer complaint received 2021-05-24
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. (CA)

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/2017 XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-06-22
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)

15 USC 1681b and 12 CFR 1022.3h 2 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one
Consumer complaint received 2021-05-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (VA)

I have been receiving calls for over a year now from XXXX and XXXX  telling me that I owe debt to Allied Cash Advance. I have never taken a loan out with Allied Cash Advance and I have asked on several occasions for them to send me paperwork showing where I did and what this is all about. They have not sent me anything.
Consumer complaint received 2019-09-28
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: SYNCHRONY FINANCIAL (SC)

On XX/XX/2019 a hard inquiry from Paypal Credit appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from XXXX. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from XXXX I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize XXXX look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from XXXX informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NY)

I submitted a dispute through the XXXX XXXX app but it came back that the account was mine. I was a victim of identity theft since XXXX  and accounts have been opened up with my information that I have no knowledge of. I need these account removed as they are hindering my credit worthiness.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

In XXXX my XXXX XXXX contact was mutually cancelled due to the company not being able to provide services at my address. I switched to XXXX network and have been with them since. XXXX of this year I noticed a credit decrease from jefferson capital on my account stating this was for XXXX XXXX I called jefferson capital and asked them to verify this charge and they stated on the phone they don't have any records just an amount owed they also stated that I need to contact XXXX XXXX  for records. I then contacted us cellular and they stated to me that they don't keep records once there sent to a collection agency. I called jefferson capital back and told them I would like to dispute this charge as I was never notified by XXXX  XXXX  that there was a remaining balance nor should there have been. This has been 5 years and no notice or letter regarding this matter. I requested from jefferson capital validation of charges and records from this charge and was only sent two letters with an amount on them.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NC)

American Honda Financial Corporation handles the financing for a vehicle and a motorcycle in our household. The motorcycle was a new addition and when we began making payments, we added a new bank account for the Honda payment with the intention of paying for the vehicles out of separate accounts. Both payments for the vehicles were made online, using separate bank accounts. An email was received showing we made a change to the bank account information on XX/XX/21, yet when the payment was made for the Honda no confirmation email was received for the payment and it did not show up in " pending '' payments online. We waited several days to see if the payment would clear, then received an NSF from Honda saying the payment was returned - because Honda processed it through the wrong account. The payment was then made again online, using the newly input bank account and once again, no email was received showing confirmation of the payment and the payment did not show up online as " pending ''. To date the payment still has not processed and Honda continues to show the account as delinquent despite my stellar payment history and attempts to make the payment multiple times. A call to customer service yielded no assistance as the person didn't seem to understand what had happened.
Consumer complaint received 2021-05-03
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)

They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..