davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TN)

Myself and my boyfriend went through Lexington Law Firm to help with our credit and the company didnt do anything but take our money so we cancel after being with them for two years or longer.The firm was suppose to help get our credit score up so we could be approved to be able to buy a home.I know the firm wasnt doing what they said theyd do cause our scores never went up not even our score up a few numbers.We paid {$120.00} a month each for years and never ever seen any difference in our scores and when wed talk to them they would tell us I assure you that we are working on both of your score but it takes time. No all the firm done is take our money and did nothing to improve our credit.Theres no telling how many people the firm has and probably still doing this to.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EOS Holdings, Inc. (TX)

After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

During this refinance process i have had poor service and communication with Quicken Loans/Rocket Mortgage. I have submitted questions to them and it has taken weeks to receive a response instead of their stated 4 hours. I explained on the app I could not view any action items for me. They said they were there and would re-push them. Days later I could still not see them and they said they were there. I can not complete what I can not see. Finally some random Quicken person called me to START a refi. Clearly I was in the middle of one so this solicitation caller transferred me to some one who could then email me the documents I needed to sign. Which I did manually. 

They say their pending items are HOA and second mortgage holder, both of which i have contacted and still to this day state they have not heard from them. Quicken has been delaying this process and they have not been proactive in following up. 

I just want my refi to be completed asap and now we are another month in so I will make my XXXX payment that I was not suppose to make.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XXXX, 2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-09-14
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. (OH)

I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.
Consumer complaint received 2020-09-14
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. (OH)

I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IL)

I am required to pay, at this time for a debt that I did not incur. Citibank failed to properly secure and protect me from Identity Theft. I received a letter from Citibank notifying that I had unusual activity on my card or activity not familiar with my habits. Turns out, they mailed me a Citibank XXXX, via Brooks Brothers department store. I NEVER received the card. To date, no card. Activity for a XXXX store. My cell phone accounts are with XXXX. I have never had any business with XXXX. 
There were two transactions on the same date ; for {$130.00} and {$840.00}. I explained to the representatives, twice, that I received no card. Also, the first person that I spoke with in XXXX or very early XXXX explained that the card was verified and pin requested. I have other cards through Citibank and have never asked for a PIN on a credit card for this very reason ; not enough protection when issued via phone. 
They sent me a billing statement indicating that I owe {$130.00}. I owe NOTHING. At the first call, because they did not protect me, I advised the person to cancel the card. Not sure if they did. Also, they indicate on the billing statement that the card ends in XXXX, but the charges are for a card ending in XXXX. Not sure why two diff erent account numbers on one statement? Need an explanation. Citibank messed this up. As a bank, it appears their controls to protect customers using a PIN failed.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit file I noticed that XXXX is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Blackhawk Network Holdings Inc. (WY)

I purchases a {$100.00} Reloadit  pack from XXXX XXXX XXXX XXXX and tried to load funds to my prepaid XXXX card. The Reloadit requires me to open a " digital vault '' with them and transfering funds to vault before loading onto my prepaid card. Well the thing is the company software doesn't work on tablets or smart phones .... ok. So I went to the library and the company software didn't like that it was a public computer. I call Blackhawk Network and they say I'm just not using XXXX   correctly. 

So the reload packs are really easy and convenient as long as you have a desk top computer running only the latest XXXX. They refuse to refund my money even though the card was unopened and they have all my info. They will not issue a refund unless I give them copies of my ID, copies my mailing address, pictures of my mail, pictures of my ID card front and back, and selfie pics. I'm not making this up, they are holding my funds hostage unless I provide enough info to setup fraudulent online accounts in my name with no problem. This company has not attempted to update anything in the last 5 years to allow use of a tablet, mobile or XXXX  device. They refuse to help open a digital vault. They will not do anything without me sending them pics of mail for address verification, pics of state ID and selfie pic. That's more than enough info for somebody to fraudulently trade crypto currency under my name. Never before has a company refused to refund my money unless I gave them sensitive personal info. These guys are a scam and somehow they are allowed to operate across the country taking people 's money with no intention of providing the advertised service. Fraudsters.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. XXXX XXXX has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called XXXX XXXX and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. XXXX  XXXX is now saying I'm not the account holder. I will next file a complaint for fraud against XXXX XXXX.
Consumer complaint received 2020-06-27
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: U.S. BANCORP (CA)

On XX/XX/2020 I contacted U.S Bank because due to the COVID-19 pandemic I was going to need additional time in paying my car payment in the amount of {$620.00}. 
After waiting on hold for nearly two hours the representative instructed me that the payments would be placed into a forbearance period for 30 days and this would not cause a late being placed being on any of my ( 3 ) credit reports.On XX/XX/2020 I discovered that U.S Bank  notified all 3 credit bureaus that i was late on my XXXX car payment. After seeing what U.S Bank did in error I immediately contacted U.S Bank and initiated a dispute.On XX/XX/2020 I contacted them again to discover the findings of the dispute I initiated and i was instructed by a customer service representative that my dispute was denied when i asked for a reason or explanation they instructed me that they do not provide a reason or explanation for their denials.
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc. (NC)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I have contacted and asked for proof of accounts and got no results. I told them If they couldnt prove me documentation I would like it to be removed.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I contacted Chase on XX/XX/XXXX to notify them a fraudulent transaction we had previously dealt with re-appeared on my account XXXX in the amount of {$1100.00}. 

This resulted in my account going negative, I contacted Chase and the representative said the transaction could not be reversed or stopped and the payment is will be there to stay unless I sign the document they sent which I never received. 

They said to have emailed it and nothing there. I logged into Chase and went to the Message center on both the Desktop Website and the App. I attached screenshots as proof to show there's no documentation for the Claim on XX/XX/XXXX. 

Thats the reason why I called XX/XX/XXXX was to ensure they had filed the claim because I had no documentation to sign like the agent said and the fraudulent transaction already posted. 

Agent said the transaction posted and they will not offer any NSF fees for the posted transactions even though the transactions posted would've never been charged an NSF fee if Chase didn't approve the fraudulent transaction. 

Attached is evidence showing I have not received my letter even 24 hours later of filing the claim and that I am being held responsible for a transaction that I did not authorize and because of it, my account is now negative with my other transactions being posted and me being charged NSF fees when I shouldn't be charged.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NJ)

Company has been sent ( 2 ) debt verification request, the company has failed to comply with the request and it has gone past the 30 day mark as per the FCRA, the company continues unverified and false information to the credit reporting agencies and destroying my credit and reputation, I have made several request for the info to be removed until verified however this has not been the case and company was rude and refused to listen to request instead they continued to hang up on me when I requested to speak with a manager regarding the matter.
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (CA)

I got my XXXX XXXX in XX/XX/XXXX for {$14000.00}, APR 23.23 % for 72 months, from Consumer Portfolio Services.. I've paid 90 % on time payments. I still owe {$9800.00} I've paid {$12000.00} in interest fees. I even was making extra payments {$200.00} a week and none of it was going to principal.. All my payments are going to the finance and not the principal. I've asked when my loan will be paid off they won't give me an end date. They say they're extending my contract to 96 months, even with that there's no way my loan is going to be paid off.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.
Consumer complaint received 2021-04-25
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)

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently I have uploaded my identity theft report and a copy of XXXX  XXXX  contact information
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

criminal record that was expunged still appears on my background check. it was expunged on XX/XX/14 by the XXXX XXXX Municipal Courts. it should not be appearing on my background check and I can provide documentation as needed.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX   to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX  bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Adjustment Service, Inc. (TX)

This company has called several times and I have informed them I do not have a debt owed to them. I've never done business with this company and advised them to remove my number and not call back. The representative said she will not remove the number and disconnected the call. I informed them they have the wrong number and I do not want any further calls. They have continued to call and harass me after several calls of me asking them to stop.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (CO)

On XX/XX/XXXX we closed on our home in XXXX XXXX, Ohio. At that time, our title company paid our XXXX and XXXX taxes to XXXX XXXX, Ohio. On XX/XX/XXXX First National Bank of Pennsylvania also paid our XXXX taxes in the amount of {$2400.00} to the county. 

To resolve this overpayment of taxes, I attempted to call the bank multiple times, leaving a message with no return phone call. I was able to speak to someone in the mortgage department on XX/XX/XXXX, but was directed to call the title company instead. During the phone call, the mortgage company did confirm that they paid our XXXX taxes on XX/XX/XXXX to XXXX County. 

Upon speaking to the title company, they confirmed that their check was cashed, so it was the responsibility of the mortgage company to reach out and ask the county for a refund. As of XX/XX/XXXX I have been unable to speak with anyone in the mortgage department. I left a message on XX/XX/XXXX and XX/XX/XXXX. I have also reached out to our original loan officer, who  directed me back to the mortgage department. Additionally, I have sent emails to their customer service department and leadership email listed on their website. 

It has been 41 days since our home has closed and we have yet to receive any of our escrow account funds or documentation from First National Bank of Pennsylvania. Nor have we come to a resolution on the overpaid taxes.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (OH)

I received a notification of XXXX XXXX drop from XXXX XXXX that a collection had been added to my report by Wakefield & Associates. I have never received anything about an outstanding debt and I know that it is not my debt but that of my ex-wifes that occurred after our separation when I legally had to keep her and her son on my insurance and the default occurred after our divorce was final. I attempted to contact Wakefield & Associates and they wanted to charge me money to investigate a collection that should never of been on my report and that I had never signed for or been a part of. There have been no phone calls and no letters directed to me by Wakefield & Associates or the company that is in default XXXX XXXX. I should not have to pay a credit agency to have something that should have never been on my credit report to begin with taken off of my credit. Wakefield & Associates was very aggressive in telling me I had to pay and did not offer to send me proof of this collection being mine. They are not a reputable company and for them to attempt to exploit someone who is not in default or should even be in there records is deplorable.
Consumer complaint received 2020-09-14
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. (CA)

Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.