davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2017-02-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have a business and I got a XXXX to handle my credit card processing.I had a bank account at Citizens Bank.At the beginning of XXXX 2016, my credit card machine broke and I could no longer accept credit cards.I XXXX called XXXX on numerous occasionsonly to be given the run around.They continued to take money out of my bank account, I complained to Citizens Bank but they did nothing to help.I had to close my old account and open a new. 
XXXX is still trying to take money out of a closed account, even though I cancelled their service .They took money out of my account even though there was no credit card activity.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (CA)

Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint with XXXX  credit reporting a few days ago and they/XXXX XXXX intentionally put a charge off on my account again as of the XXXX XXXX  XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.
Consumer complaint received 2020-07-21
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: CREDIT ACCEPTANCE CORPORATION (AZ)

sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (GA)

General Revenue Services claim to have mailed me debt validation information XX/XX/2019 I am requesting copies of this information to be uploaded to the response in this complaint and mailed to me for my records. I have not received any debt validation or verification according to the Fair Debt Collections Practices Act. 

General Revenue Services has not sent any account billing or details for the amount of {$540.00}. they have place on my credit report - General Revenue Services has also not provided any documents that say they have a right to collect on behalf of any other company for this amount either I am requesting this information be provided with in 5 days of this notice being received This is my 3rd request for debt validation and verification
Consumer complaint received 2020-07-21
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. (CA)

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Experian ) Inaccurate late reporting : XXXX XXXX - ( XXXX, XXXX & Experian ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Experian & XXXX  ) ; Balance - {$6500.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX, XXXX  & Experian ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Experian & XXXX  ) ;  Balance - {$800.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX XXXX XXXX - ( Experian ) ; Opened - XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 

XXXX XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 


The following accounts are reporting either due to error or Identity Theft, Please remove the following items : XXXX - ( XXXX, XXXX, Experian ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Bal : {$360.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$6100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$200.00} ; This account belongs to someone else or it is a direct result of identity theft. 

So XXXX XXXX XXXX - ( Experian & XXXX  ) Opened - XX/XX/XXXX ; Bal : {$0.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( Experian & XXXX  ) Opened - XX/XX/XXXX ; Bal : {$18000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (MI)

I have not had a credit card for 20 yrs with XXXX XXXX. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company XXXX XXXX XXXX XXXX I have called Researgent Capital Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.
Consumer complaint received 2019-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

I was running late on my payments for well over a year I would make the payments at the end of the month. I would always call them and post date a check for when I could make the payment. I have been on time now for the last 13 months. I set up an online account with them only to see they offer you setting up a Promise to Pay with them and they will not charge you a late fee. I have over {$600.00} in late fees sitting on my account that I feel if they would have let me know that such a thing existed I would have not been charged those fees especially because all along I always communicated with them and feel that I should have been made aware of that only for them to be able to charge me an extra almost {$50.00} a month. I did ask them if they would kindly reverse the fees because I feel like I should have been made aware I could have done that so I did not Incur the fee if I could have prevented it and they refuse. I feel like its unjust. Please help!
Consumer complaint received 2019-06-04
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. (HI)

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXXXXXX XXXX   XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

This phone was never purchased or paid for by me. I signed no contract and have never agreed to participate in this contract of service and purchase contract. This purchasing party loaned the phone to me for one month and it was then returned to him. There was no.verbal or written agreement that I signed innovating me to.this debt that is several years negative and effecting poorly in my life. I request copies of the signed contract with the company mobile.
Consumer complaint received 2019-06-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (CA)

I gave recently refinanced my home using a VA loan. I closed escrow on XX/XX/2019. My old mortgage company " Home Point Financial '' has not refunded my escrow account and we are past the 30 day window. I have called multiple times and I have been told that a check has not been issued yet and that I need to be patient. My exact refund is unknown but I have been told by my loan officer that it is about {$4900.00}. I do not know how to move forward with this situation. I feel like I have been patient since we are on day 33 and I still have not received my money. Please help
Consumer complaint received 2019-06-04
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. (HI)

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Enhanced Recovery Company has posted a fraudulent debt that has affected my credit. I contacted the company after monitoring my credit score. Upon speaking with a representative I was informed that I had an outstanding debt with XXXX XXXX XXXX from the year 2011 that they were now in charge of collecting. Before I paid I decided to call XXXX XXXX. They informed me that I never had any such debt and that I was, in fact, not a customer during this year. I three way called the collection agency with the XXXX XXXX representative. They transferred my call 5 times before hanging up on me. I called the company back and explained that XXXX XXXX had never issued any collection information to them. They insisted that there was a debt. I again contacted XXXX XXXX cable to obtain records showing that I never owed any such debt. I called Enhanced Recovery Company again and was told they would still collect debt even with documentation from XXXX XXXX XXXX stating that I never owed the debt in the first place. I am at an ends as to what my options are.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2023 around XXXX est I called bread financial regarding their caesars credit card. I called because my statement showed that I had available credit for a cash advance, but I wasnt able to use the card. The rep answered the line, put me on hold for a few minutes and when she returned she told me their systems were down and she did not know when they would be back up and running. I feel is though, because I have one complaint about the company that they were blocking me from using that particular function of my card. I figured since they are blocking me from using the cash portion of my card then I dont need the card so I close the card because I am truly unhappy with the service that they have displayed and I am a loyal customer. I have always made my payments on my bill and I dont understand why I am being treated this way. I feel like though they are discriminating against me.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC (VA)

An auto loan company that I had done business with in the past charged my card XXXX XXXX 2017 for  XXXX. I disputed the charge because I did not authorized this payment from the company nor was I set up on any kind of auto pay. XX/XX/XXXX I was informed the case was closed and my debt card company found no error in the charge. I sent in a rebuttal letter because I did not agree with this decision. Again it was denied. Then the auto loan company called me and advised they just received a dispute from my card company XX/XX/XXXX. They conducted an investigation on their end and advised that the charge was not authorized. I sent in another letter to RUSHCARD SERVICES and a manager told me no matter how many letters I send in the charge will not be reversed. Her name was XXXX in XXXX. I then took my efforts to social media, the company at that time reopened my case. The auto loan company stated they cant refund me the money because the funds was taken back by the merchant back on XX/XX/XXXX. I was not given any credit from the prepaid card company and they are saying I still have to wait another 30 days after the first investigation was never looked into.
Consumer complaint received 2020-08-23
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. (IL)

XXXX XXXX is showing up on my credit card as a balance when it should be XXXX since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXXF XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}
Consumer complaint received 2019-06-04
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: CITIBANK, N.A. (MI)

Visa ( Citibank ) /XXXX debited the amount of a sale of my small business that was a fraudulent attempt to claw back funds they had no right to claw back through a Chargeback process. 

My customer accidentally reported the transaction as fraud, and two days later realized their mistake and contacted Visa ( Citibank ) to tell them of the mistake and that the charge was valid. 

Regardless of this good-faith effort by my customer, Visa ( Citibank ) /XXXX debited my account for the amount of the transaction, sent me a notice demanding a significant amount of documentation to make a claim to get my money back. 

Visa ( Citibank ) /XXXX was told by my customer to pay the charge - that the initial report was a mistake - yet they clawed it back. The removed that money from my account. That is fraud. 

Visa ( Citibank ) /XXXX had plenty of time to stop this process after the customer notified them that they should pay the amount - and chose not to do so. This is an unfair business practice. 

This is XXXX Case Number XXXX - Transaction Date XX/XX/2019
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Overdraft fees are outrageous. For the most part my account is positive. I wish that it would reflect that on XXXX XXXX. I should n't be charged for using the ATM.
Consumer complaint received 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CO)

XXXX XXXX XXXX in XXXX Colorado subbed out my mortgage processing to Dovenmuehle Mortgage. On XXXX XXXX, 2015 I sold my house and XXXX requested a mortgage payoff. Dovenmuehle provided a mortgage payoff of three month MIP when it should have been two months. They required that we pay {$1200.00} when I only owed {$840.00} for an overpayment of {$420.00}. We discovered this error on the day of closing, but they required we pay the incorrect amount and told me that they would refund the difference when XXXX XXXX wired them the incorrect amount on XXXX XXXX, 2015. I spoke with Dovenmuehle by phone on XXXX XXXX, 2015 asking when I would get my check and they told me that even though they had not sent the mortgage balance to HUD, they would not refund my {$420.00} overpayment and stated that I would have to contact HUD. The second complaint is that Dovenmuehle withdrew from my escrow account on XXXX XXXX, 2015 {$1600.00} for Property taxes and as of XXXX XXXX, 2015 had not paid it to the XXXX County Treasurer. They refuse to refund the {$1600.00} even though they have not sent it to the county and XXXX had to withhold this amount as part of the closing process. Dovenmuehle owes {$2100.00} that they refuse pay me.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
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: JPMORGAN CHASE & CO. (MD)

Sometime in XX/XX/XXXX I learned that my mortgage company had not been reporting my mortgage payments to the credit bureaus. I submitted a complaint via this agency and I received a call from Chase who's rep stated that they received no information from my bankruptcy XXXX filing in XXXX that indicated that I wanted to reaffirm my mortgage. Although I continued to pay and have been paying from XXXX, none of these payments have been reported to the credit reporting agencies which would've positively impacted any request for credit during these years in fact it is my position that the failure to report my on-time payments negatively impacted the interest rate that was extended to me over the years, creating a cumulative affect of a higher financial liability that impacts many areas of my life including insurance rates, auto loans, employment, etc. Mortgage payments carry a higher aggregate weight in one 's credit file. I requested court records from the XXXX filing in which I obtained the " Affirmation '' that was a part of the submission to Chase.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

How the  XXXX  do we allow these rental companies specifically in my case   XXXX   to put some mysterious hold charge on my checking account that takes the price of car for a week plus deposit which is subtracted from my account then magically disappears some days later when I return car and applies real charges how does chase allow this and where the  XXXX  is the traceability. This is total   XXXX   my account has overdrawn due to this incredible  XXXX  arrangement that chase and   XXXX   have. It 's the  21st  century how can a transaction disappear also why the  XXXX  does   XXXX   get to charge me right away but when car is returned actual billing takes days this kind on non real time arrangement sucks and should. Not be allowed