davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: Mid-Atlantic Finance Co., Inc. (GA)

I submitted a valid FTC report to XXXX from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

On Tuesday XX/XX/year> I tried to access funds in the amount of {$10.00}. The pin used was correct and the transaction was blocked. The second attempt it was blocked again. So I tried to move the entire balance off the Cash App APP and I was told that my account was suspended due to suspicious activity. I contacted the Cash App customer service and was transfered to 3 different representatives. The last stated " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX and XXXX. 

Although I don't have an update to provide at this time, our team will send you a response when we have more info. '' Since then I have reached out almost every day and they have held my funds without cause. I've told them the transaction attempts were me and authorized.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION (VA)

I had three accounts with TIAA Bank, a checking account and two savings accounts. I closed them in XX/XX/2022, so I need a 1099-Int form to complete my taxes. But TIAA has not sent the 1099 by XXXX XXXX  or by e-mail. In addition, I can no longer access the accounts online because they are closed. I called TIAA Bank, and they said they would email me a 1099-INT, but they have not sent one.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (TN)

Opened account. Bank declined deposit. Account was frozen. Account was rectified, and steps followed to complete account unlock. Account wasnt unlocked, no email responses. No feedback on social media. Accounts been in good standing for over 3 months and had funds over {$2000.00} locked for entire time.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

I received a voice mail from caller ID XXXX XXXX saying there was a {$200.00} charge on my Chase/Amazon card. The charge is on hold I should call the above number and have it taken off hold. They said my card was compromised. Call came in on XX/XX/2021 XXXX XXXX. Chase/Amazon said no problem with my card must be a spam call.
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (FL)

I called into activate a card and I was informed that I had an all access account already open, but I have no knowledge of. I asked if I can have the account number so that I Can investigate whats going on and they gave me this website.
Consumer complaint received 2019-08-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.
Consumer complaint received 2019-08-16
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. (IL)

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX/XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my XXXX  office. I was seeing a XXXX  to have XXXX  XXXX XXXX made for me. The XXXX office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled XXXX appointment, the XXXX   office re-scheduled the appointment. I have yet to be fit with the XXXX  XXXX. The XXXX office continued to bill XXXX XXXX even though the XXXX never completed the XXXX work. I finally was able to reach the billing department at the XXXX office regarding these re-occurring payments and the XXXX office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the XXXX office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (TX)

A few weeks ago I noticed a new entry of a Collection account on my Credit Report ( CR ) via XXXX XXXX XXXX online platform. The new entry was from CBE GROUP collection amount = {$900.00}. I was able to dispute this new entry with XXXX Credit Bureau, however, in their Account Dispute they did an Update, and the new entry remained on my CR. I intuitively knew something was wrong when XXXX left the fraudulent entry intact, I then decided to check my profile with XXXX to make sure my information was correct and accurate -- -it was there I discovered that CBE had provided an erroneous address to XXXX and the other Credit Bureaus such as XXXX and XXXX  . The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this CBE collection claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.
Consumer complaint received 2020-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (NJ)

I have contacted First Source Advantage LLC numerous times with dispute letters. After being ignored by the company while they illegally pulled my credit and continued to access my credit file, I contacted the Federal Trade Commission and filed FTC XXXX # XXXX. I sent First Source Advantage LLC another dispute letter by Certified Mail on XX/XX/2020, USPS tracking # XXXX XXXX XXXX XXXX XXXX. The company signed for my most recent dispute letter on XX/XX/2020 at XXXX XXXX. However, it is now XX/XX/2020 and just like all of the other times First Source Advantage LLC is contacted, they never respond. After their committed failures to respond to any dispute letters sent to them. Prior to now, the company was illegally accessing my consumer credit reports and placing credit pulling inquiries on my credit. I became aware of their unethical business practices when I obtained a copy of my credit reports. However, the company still fails to respond to me or any of my dispute letters sent to them. Yet, they still update themselves and the account each month with the credit bureaus. This is unethical and this is done by them on purpose. Their illegal and deceptive tactic is to pull credit, place an account on my credit, all while failing to ever notify me or contact me. And once I found out about their illegal actions and contacted First Source Advantage with dispute letters ; First Source Advantage purposely updates the account each month with the credit bureaus, all while purposely ignoring all of my dispute letters. This needs to stop. Such illegal patterns should not be tolerated or accepted. They are not looking to operate in accordance with the laws of the FTC and FDCPA, they are using every deceptive technique possible to break the laws on purpose.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MI)

My husband and I purchased a condominium with XXXX XXXX in XX/XX/XXXX. We put 15 % and were scheduled, per contract, to be making payments to PMI through XX/XX/XXXX. We made additional payments and were therefore set to be released from PMI when our XXXX reached 78 % in XX/XX/XXXX. This was communicated to us via XXXXXXXX XXXX  portal which we no longer have access to. 

In XX/XX/XXXX, we sent written communication to XXXX to start pulling our bi-monthly payments from a different bank account. In XXXX or XX/XX/XXXX Newrez took over our mortgage from XXXX. Newrez continued to pull the bimonthly payments from the wrong account. The original account, not the one we had sent a written request to commence payments from. This caused a late payment in XXXX, but we spoke with a customer service representative who took a payment over the phone and we believed this issue to be resolved. No late fees were charged, we were assurred verbally that this would not be considered a late payment. Newrez did go ahead and report a late payment to the credit bureaus. This has since been resolved, and Newrez confirmed with the credit bureaus that there was no late payment.

This is relevant as now Newrez is saying that due to a late payment we will not have our PMI removed and we will be paying PMI until XX/XX/XXXX. This is wrong on multiple levels. 1 ) We are not requesting PMI be removed, we are questioning why it hasn't automatically been removed due to the fact that we are now below 78 % XXXX. 2 ) We didn't have a late payment, and even if we did, this is not a consideration when removing PMI due to reaching 78 % XXXX. 3 ) Contractually, even if we hadn't made extra payments on our loan and were following the original schedule, PMI would be done in XX/XX/XXXX. 

Each time we have reached out for assistance we are given the same two things in writing : PMI can not be removed because of a late payment. PMI will be charged through XX/XX/XXXX. 

Further, and I don't know if this matters, we have been working with the original loan officer we worked with at XXXX who helped us get multiple issues with Newrez resolved and when we last spoke to her she said that Newrez had agreed to drop PMI. 

Also, someone needs to audit this company. They are crooked as the day is long.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (MA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-07-13
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 (TN)

This is more about fraud protection. My debit card was stolen while I was caring for my XXXX and XXXX father. I wasnt living at the home where my mail comes, so i didnt receive any type of statements. During this time my debit card was stolen and {$17000.00} of my money was used for online games, and XXXX XXXX transactions. I filed a claim as soon as I found out ( within the approved window ) within 18 hours my claim was denied. I reopened the claim and in 18 hours claim was denied. Even after faxing my police report, my claim was denied. My funds are supposed to handled by a real live person, not an automated computer that used codes to decide if its real fraud. Bank of America has stolen {$17000.00} from my account. By not investigating this account appropriately and with a real live investigator. I have been violated by the banking industry. I cant buy my medications, pay my bills or feed my two children now because a computer said it wasnt possible it was real fraud. Shame on Bank of America for taking advantage of people. They closed my claim because I didnt give proof, but they didnt ask nor did they give me time. I provided a police report the next day and closed my claim 6 hours later.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I asked the debt collector to provide proof from the original creditor that the debt collector owns the debt and has the legal authority to collect this debt or to remove the collection account. I have not receive any written correspondence and the representative are rude and aggressive and not willing to resolve the issue.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (FL)

We had XXXX as our carrier in XXXX and XXXX. We had no issue with service but in XXXX of XXXX we moved to XXXX XXXX, XXXX. We had a very bad signal and could not even activate a hot spot it was so bad. People in the area and at the XXXX local office itself says it is a known issue. We had to switch carriers because we could not get service and XXXX still is attempting to collect cancellation charges through Convergent. A collections item has now appeared on my credit report and is very damaging to my score. I should NOT have to pay an early cancellation for a service I can NOT receive!
Consumer complaint received 2021-07-13
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I reached out to Amerifinancial Solutions LLC in early 2021 about a bill that was being reported to my credit file from their company. 
The bill was for medical debt. 
I mailed Amerifinancial Solutions LLC a request for debt validation, a contract between their business and the original creditor that showed they could collect debt and proof that they were licensed to collect debt in the state of Florida. 
Amerifinancial Solutions LLC mailed me a document that appeared to be medical services that were performed and my name was attached to those services. 
However I was never mailed a HIPPA release form stating they could access my medical information. 
Amerifinancial Services LLC has violated HIPPA in a attempt to collect debt however has yet to validate the debt, show proof of a contract between their business and the original creditor to collect debt and show proof that they are licensed to collect debt in the state of Florida. 

I would like to report this incident to the CFPB and ask for help in resolving this situation.
Consumer complaint received 2019-08-16
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. (FL)

Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on Transunion is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and Transunion  there is nothing negative in the payment history reporting, in XXXX why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Consumer complaint received 2018-06-09
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: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice I have fraudulent hard inquiries in my credit report. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

My credit card company Self Lead Bank has been not reporting my good payment history in accordance with Fair Credit Reporting. 
In addition, Self Lead Bank has been reporting on the days opposite to which they agreed and what is listed in the cardholder agreement. 
This negligence has cause great harm to my credit as I have no late payments, yet Self Lead is failing to report these on-time payments as agreed. This credit card company is doing more damage to my credit than helping my credit.
Consumer complaint received 2019-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (LA)

I closed on my property at XXXX XXXX XXXX XXXX, la XXXX on XX/XX/2019. money was collected at closing ( {$4700.00} ) for holdback for repairs and sent from the title company to the lender ( homebridge ) as instructed by the lender. I have been contacting home homebridge since XX/XX/2019 in regards to that amount of money to have repairs taken care of. I have not only gotten the run around and multiple numbers to contact but no one has yet to contact me or the closing company back. The corporate office number I was instructed to call no longer gives you a option to select a extension it does nothing nor does a operator pick up the line.
Consumer complaint received 2021-02-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (TN)

Wyndham Mortgage Company and XXXX XXXX  XXXX are both claiming the XXXX payment on our loan. 

The loan was transferred from Wyndham to XXXX. Wyndham sent a " goodbye '' letter saying send XX/XX/XXXX payment to them. ( We did and they have the money ). 

Later, XXXX sent a " welcome '' letter saying send the XX/XX/XXXX payment to them. 

Both companies think they are entitled to the XX/XX/XXXX payment. 

Help!!! We are stuck in the middle and now considered delinquent. 

Wyndham has the XX/XX/XXXX payment and we have sent XXXX and XXXX payments to XXXX.