davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO  XXXX  AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

Two weeks ago they said my application for modification was declined. Now they said I just have to update all documents to be considered again for mortgage assistant program. 
They said its complete and no more documents are needed. 
I told XXXX that XXXX XXXX XXXXXXXX XXXX have two programs to help homeowners. 
one is to be default for at least 2 months prior XX/XX/XXXX. I know it's risky that I did not make a payment this XXXX which will lead to pay the XXXX. I did not make the payment for me to qualify. For the XXXX  XXXX XXXX. The PHH told me that they will not accept single payment and this time they will require the 4 months payment which is around. {$11000.00} for XXXX months. The XXXX  XXXX XXXX  have the second program that I need to be current ( PHH can defer my payment for 4 months and put it at the back of the loan and XXXX  XXXX XXXX  will pay off all the deferment made in my account which is when my family was impacted by the XXXX that cause the death of my brother and brother-in-law. I was also a victim of this XXXX twice. XXXX in XXXX and also on XXXX. My house was vandalized when I was XXXX  too. 
These program from the California was ignored by PHH and these will solve my problem if PHH will just deferred all the the default/deferment made in the account. and the XXXX XXXX XXXX  have enough money to help. Every homeowner will be given {$80000.00} to the maximum when approved. PHH is insisting to wait forr mortgage assisment program but how can I trust when they already declined it. Repayment plan will be more unaffordable they will divivde the {$11000.00} into 6 months which is reidiculus
Consumer complaint received 2017-05-31
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)

I have disputed XXXX on my credit report with XXXX Experian and XXXX multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all three CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX Bank these two were shut down by the federal Government, XXXX XXXX XXXX, and XXXX XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

Hello, this is regarding a medical bill debt. I was just informed of  XXXX  debts I owe to Crme financial services. These debts were taken care of to my knowledge in  XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from  XXXX . The statue of limitations is 4 years ... on my credit report it says opened  XXXX   XXXX  and placed in collection  XXXX   XXXX  however I was not notified ever of any outstanding bills with crme.
Consumer complaint received 2015-07-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Ditech Financial LLC (PA)

Took out a payday loan and paid it off in full in XXXX 2014. I called the company directly after I received the collection call and verified the account was paid off. Someone called today claiming to be from XXXX XXXX firm. Told me theat my account was delinquent and that I needed to pay ~ {$600.00} or there would be legal action. This individual knew my name, email, and social security number. I did not pay anything to this individual and was instructed to call them back today or else risk the legal action.
Consumer complaint received 2022-08-10
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-03-02
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: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I applied for a XXXX  credit card thru Navy Federal Credit Union which I was approved for. I was told by NFCU they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. XXXX credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between NFCU & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX sent me an email asking me if this new account was mine, but my XXXX account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created XXXX XXXX : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with XXXX, but you can't file a dispute about something that's not on your report with XXXX. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had XXXX supervisor named XXXX XXXX tell me to file a dispute with XXXX and get the information from Navy Federal Credit Union to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the XXXX XXXX XXXX XXXX XXXX was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. NFCU sent me an alert to see what changed in my report the same day thru their Mission : Credit Confidence portal. XXXX sent me a survey XX/XX/XXXX. I emailed XXXX the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call XXXX in XXXX, PA, been transferred there from their overseas call center. Still nothing. NFCU has assured me the information has been provided to XXXX. XXXX has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a $ XXXX mortgage with Bank of America and it was rejected without merit after we had agreed on terms and upfront costs were paid for. I locked my rate on XX/XX/2022 and paid for an appraisal ( {$790.00} ) and credit report ( {$30.00} ) that day. After XXXX weeks of onerous and repetitive document requests, all of which we obliged, the mortgage was canceled and no reason was given. I believe it was because interest rates had risen since my rate lock and they didn't want to hold a loan on their books with my interest rate. The reason I believe this is that On XX/XX/2022, I completed an auto loan with Bank of America ( Loan # XXXX ). Neither my nor my companys creditworthiness was in question just a few days before when this auto loan was consummated. I have excellent credit ( XXXX ) and my company makes over $ XXXX profit yearly. At the time of the loan I had nearly $ XXXX cash deposits at the Bank. 

My loan XXXX XXXX XXXX was rude and made no attempts to understand my company 's business model. On the day the mortgage was canceled she called and XXXX apologized but could not give a reason for canceling the loan. As a result of their canceling I have suffered damages since interest rates have risen substantially during this course of time.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IN)

JPMCB has been false reporting my credit for the last XXXX -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( denied ), XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX listing a collateral of XXXX XXXX " XXXX XXXX '' my car was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX on XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX at a XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX {$31000.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Score XXXX, XXXXXXXX XXXX XXXX XXXX score XXXX on XX/XX/XXXX XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is showing on my Experian credit report twice, for the same amount on the same charged off auto loan. It is only reporting twice on Experian, not on any other bureaus. You can clearly see its the same loan, with the same open date, same original amount, same amount due. I have attempted to resolve this with XXXX XXXX as well as Experian with absolutely nothing being done. It is even currently in dispute on Experian and has been for several months with no correction made. 
XXXX XXXX altered the account number for the second so they could continue to report it. The first debt being posted is understandable, but Experian and XXXX XXXX XXXX reporting the same debt twice is damaging my credit far more than if they reported accurate information. They altered the account number for the second so they could continue to report it to further damage my credit. 
Account # XXXX is accurate and may remain Account # XXXX is a double post of the same debt and needs to be removed This is duplicate reporting of the same exact debt and needs to be resolved.
Consumer complaint received 2024-03-06
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Attempted to purchase XXXX XXXX on XXXX XXXX. I used my capital one credit card thru XXXX. Never received XXXX or shipping confirmation. XXXX weeks of supplying capital one with all the documentation, they still have not reversed the charge. The seller is a scammer and my documentation proved that. Don't understand how this thief can get away with my {$310.00}. Need help getting this credit
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VT)

M & T Bank just migrated the accounts of Peoples Unite Bank over the weekend. Since the transfer I have been unable to access my funds online to pay bills or transfer money between accounts. In addition, M & T is not answering their phones and the staff at my local branch is unable to figure out what is wrong. I need access to my funds.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO XXXX  THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/24 a credit card with Bank of America was applied for using my information. I did not receive notification until XX/XX/24 because of the incorrect address used. I noticed the inquiry on my XXXX credit report then immediately reported it with the bureau and Bank of America +
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NJ)

Approximately a year ago I received a bill from a creditor stating I owed {$400.00} that was taken out with " Comenity Capital Bank BJ 's. I immediately contacted XXXX and asked that an investigation be conducted. I also contacted the creditor and asked what this was all about since I never opened a credit card with BJ 's, but did have a membership that was opened on XXXX. The creditor insisted that it was opened by me at which time I asked for them to send me the location of the store where the card was opened so I can report the incident to my local police department. Unfortunately I have yet to get this information. I am attaching two of the harassing bills that they have sent me, one of which I am being threatened, as they state they will take legal action.
Consumer complaint received 2021-10-09
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. (FL)

I have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. Experian and XXXX refused to remove. Please help
Consumer complaint received 2024-03-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (VA)

I received a gift card administered by XXXX XXXX XXXX The card expired before I used the entire balance, so I contacted the company to get a replacement card. They instructed me to fax them copies of my driver 's license and the gift card along with my phone number. I did this multiple times over several weeks and was told each time there was a technical issue with my fax. When I called to address the issue after the faxes no longer worked, I was told to use their website for a replacement card. The website replacement form doesn't work on any browser. After this, I finally called three times in a row on one day, and was hung up on each time until I spoke assertively about speaking to a manager. It's been 4 months since I began the process of trying to get a replacement gift card. 

Their phone number is XXXX and their website is XXXX XXXX XXXX. I will continue trying to attach a copy of my faxes here.
Consumer complaint received 2022-08-10
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. (CA)

On XX/XX/XXXX, XXXX XXXX, chairwoman of the XXXX XXXX XXXX XXXXe, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 

https : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2022-09-07
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. (VA)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA XXXX Date : XXXX Amount : {$540.00} Account : No XXXX I never signed for anything and they did not check for any ID. I want this Debt off or I will make a complaint.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have asked numerous times to get a letter in writing about the account in collections. They state they will not  send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They call 3 to4 times a d ay and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.
Consumer complaint received 2023-01-27
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. (NV)

I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The information currently reflecting on my personal credit from the " XXXX XXXX XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.