davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

I am a victim of identity theft. I contacted Cavalry Portfolio Service and notified them that the account they are trying to collect is a result of the theft. 
It's now more than 30 days later and the account still appears on my credit files.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MN)

Starting roughly two weeks ago issued began with my credit karma spend account. Unauthorized access first, than card was cancelled and reissued to an address I have never so much as been affiliated with in California. Upon contacting the institution I was able to get the Mailing of the card shipped to my appropriate mailing address. Card arrived yesterday after a long wait, however about 20 minutes before the post office delivers the card the institution places locks on my account and provided me no explanation. I was asked to upload my identity card and a selfie with card to match faces and information, standard banking procedures I'm sure. Account remains locked and unable to use funds I've been waiting two weeks to access, contacted customer service several times, and get told nothing they can do, further told a " higher department " handles the sort of case, again no explanation as to what case type or any information on how to communicate with this higher department, other than told to continue waiting for them to email me. I asked well can't this be address over the phone for a faster solution and told this " higher department '' has no phone number and simply sorry for the inconveniences caused. First off the breach on my account falls to them for liability I told them to revoke any sort of authorization for some iphone they claimed had accessed my account when this all began. Just yesterday my personal XXXX was again changed However I activated the extra security so my device was able to get access and correct the unauthorized changes. 
Long and short of this is, credit karma is a multi functional financial entity, handling banking needs as well as credit monitoring and identity monitoring etc. At this time they are not protecting me in no sort of way as the breach yesterday occurred during this lock of my account, now I've provided the proof of my identity and have a right to my funds. Yet they are avoiding my efforts to get my access restored when they had no justification to lock me out in the first place.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (NJ)

Received multiple statements regarding this " alleged bill of mine '' and because it didn't belong to me and I conveyed that to them over the phone, I began to throw them in the trash each time. Thank goodness when my son brought mail to me one day ( that's where I resided when this initiated ) this piece was in it because it landed on my consumer report as a derogatory debt. The only reason I found that out is because one of my credit card company 's decreased my credit limit due to " a recent derogatory collection '' ... it literally ruined my good reputation as a consumer. According to the statement ( XX/XX/XXXX ), the date of service was XX/XX/XXXX at XXXX XXXX and the amount is {$1700.00} At this point in time, I've sent off a debt validation letter, a cease and desist letter and an affidavit of truth.
Consumer complaint received 2022-04-05
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)

Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the XXXX, the information is to be deleted and expunged from the consumer credit report within XXXX calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions (TN)

I moved in to XXXX XXXX XXXX in 2013. I informed them my new construction home was being built and i would likely move out before XX/XX/2013. I was informed I would have to be out before the beginning of the any month and still pay that months rent per policy of breaking the lease prior to 1 year. I moved out in XXXX more the two weeks before the XXXX as well as had the apartment cleaned. I also gave them the last check that they requested ( which they cashed in XXXX ). I have never heard from them since until applying for credit and being told XXXX XXXX XXXX in collecting on the account.
Consumer complaint received 2021-07-19
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: United PanAm Financial Corp. (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft UNITED AUTO CREDIT CO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CARD Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (IL)

I have had my credit card for years and have a great payment history with my XXXX XXXX/XXXX  account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (WA)

RoundPoint Mortgage Servicing LLC is a XXXX  XXXX XXXX XXXX XXXX. They failed to keep my landlord insurance records correct on file. Despite me giving the 100 % proof of XXXX XXXX documentation to RoundPoint Mortgage company and getting their own department to confirm that is all they needed as documentation, I shockingly still keep getting paper mails where they are claiming I did not send the insurance information and they claim they purchased another insurance at my expense. 

My request is that my loan should not be serviced by a failed RoundPoint Mortgage company who has made my life very hard. I have to take time away from my job to keep calling them to fix their internal system records. So far I have done this three times. This is mentally traumatizing. I worked hard to pay for the monthly payments, timely provided all the documentations in XX/XX/year>. Yet, I am keep getting harassed from their insurance department. 

I am attaching two files : ( 1 ) XX/XX/XXXX, documentation sent with RoundPoint insurance dept on the call. ( XXXX ) XX/XX/XXXX letter with false claims issued again.
Consumer complaint received 2020-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NC)

I wrote a letter to validate my debts with Phoenix Financial Services on XX/XX/2020. Due to an overwhelming schedule I wasn't able to mail it until XX/XX/2020. The company received it on XX/XX/2020 at XXXXXXXX XXXX  from the post office. I am yet to hear back from the company within the 30 day window to validate my debt.
Consumer complaint received 2018-09-18
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: EQUIFAX, INC. (NC)

I called Equifax yesterday to submit a dispute regarding the inquiries that are present on my Equifax report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Equifax to investigate the inquiries present on my report that I did not authorize.
Consumer complaint received 2018-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

XX/XX/2018 I cancelled my auto debt payments from coming out of my account I spoke with rep XXXX from company and advised it would be cancelled. the company took out money from my account without my knowledge.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

I have beyond a shadow of a doubt communicated to Chase Bank that my mortgage loan is under MY name ONLY the original co-signer XXXX XXXX ( XX/XX/XXXX ) has been deceased since XX/XX/XXXX and Chase told me and the CFPB!! that they updated the records to reflect this. My home is in a Trust and a Homestead under MY NAME ONLY his name was removed and the records were supposed to have been updated, but for some sick reason Chase Bank is STILL sending mailings to my home. Please stop the emotional abuse!!!!
Consumer complaint received 2020-10-12
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. (MI)

I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. XXXX XXXX made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.
Consumer complaint received 2021-04-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage has refused to refund late fees ( 2 ) and a property inspection charged in error. They responded to a previous complaint # XXXX, claiming that all would be corrected. However, as of the date of this writing there has been no refund to me or the account. I have made multiple calls to the person who wrote the response with no response.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. GM Financial made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.
Consumer complaint received 2020-07-26
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. (HI)

Experian keep Sending me Stall tactics. Experian This account fishtail financial is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete .. This account is reporting it has Late Payment in payment history but the account Has Been closed for years this a violation. I Sent proof Of my identity Theft report. Certified letters. I ask them to Send me burden of proof Methods of Verification nothing have be done at all only violation.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX XXXX that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Account # XXXX Debt Collection Agency {$360.00} DELETED BEFORE AND RECENTLY REPORTED ON MY CREDIT REPORT AGAIN, WITH THE WRONG INFORMATION. ACCOUNT WAS NOT OPENED WITH XXXX  XXXX OR PORTFOLIO RECOVERY XX/XX/2017. Predatory and false reporting.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (LA)

I was not contacted by Radius Global Solution, in the amount of XXXX and the amount in collection was handled in a settlement with XXXX hospital. This is also a violation in my HIPPA RIGHTS and HIPPA LAW. I request for my personal information for this collection matter to be removed from all three credit bureaus ( XXXX, XXXX, and XXXX  ) as a violation of my rights. Also due to the creditor never reaching out to me and the amount being settled with hospital.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

I called to cancel my credit card on 5 different times over a period of 14 days. I did not record the acutal day 's I contacted them except today - XX/XX/2020. I expressly asked to cancel the credit card. The 1st two times I talked to a " representitive ''. On the second phone call they said they had no information that the card was cancelled and they said they had no explaination but would cancel the card. The 3rd phone call was to a " supervisor '' who said they would " look into it ''. No result from this phone call, the card was still active. The 4th phone call was to an " account specialist '' who said they would get the card cancelled. Again no result. This last phone call on XX/XX/2020 was again to a representative who said " we are short handed and would cancel the card ''.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid my XXXX XXXX account twice for {$440.00} on XX/XX/2020. Once by Bank of America business account bill pay and once by new automatic pay by Bank of America visa debit card. I received back from XXXX duplicate payment {$440.00} credit. I put claim on BofA debit card transaction {$440.00} because of double payment. I later released claim on debit card transaction for XXXX to get payment. XXXX does not ask for payment twice. Bank of America does not return funds after claim was stopped. Visa still has funds that are in limbo not collected by XXXX except on a new auto debit card transaction and BofA will not give the funds back. I want my {$440.00} returned to my business checking account so I can finally pay my XXXX bill.
Consumer complaint received 2020-10-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

Navient called me on XX/XX/2020 at XXXX XXXX  on my personal cell phone in regards to my estranged sister 's student loan debt. I do not own this debt. I am not a cosigner. I am not affiliated in any shape or form with this debt. On Friday XX/XX/2020 they sent multiple text messages from XXXX in regards to paying off the loan. There was no mention of my sister. The messages were written in a way that assumes it is my student loan debt. 

They have called every day since XX/XX/2020. I have their number blocked using third party robocall blocking software but I can still see they are dialing. 

They are also harassing other family members who are not affiliated with the debt in any shape or form. My aunt received a letter about the loan as well.
Consumer complaint received 2019-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

I'm a new homeowner since XX/XX/XXXX and have been making on time payments every month-for 14 months, I was finally feeling financially confident to raise the minimum monthly payment so went online to do that- turns out I assigned a second one-time payment for the XX/XX/XXXX mortgage ON TOP of the automatic payment I thought was adjusted. So within the same week I had a deduction of {$600.00} on XX/XX/XXXX and another deduction of {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I realized the second payment was coming out of my account- so I called AmeriHome mortgage and even talked to a supervisor about this mistake. They tell me because I made the error I won't be getting a refund and it's too late to stop the payment ( you can only stop it 3 days prior to the deduction date ) I'm furious that a simple mistake on their complicated website created this issue and now I'm unable to pay my other bills- which will decrease my credit score and basically make me regret this extra error way more than is necessary. I'm looking for another company to refianance because no way will I allow Amerihome to do this to me again! they've lost a 30 year contract because of their inability to see commonsense
Consumer complaint received 2019-11-01
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: TD BANK US HOLDING COMPANY (CA)

Have had multiple fraud problems with target since there breach. There online services is never up been trying for days. The amount in dispute is {$320.00} dollars. I contacted them once I found out about the fraud. They accused me of making the purchase because the pin was used. They never looked into the case or pulled footage. They denied the claim because pin was used and not changed before fraud. The card was in my possession. I called back on XX/XX/19 and was Informed I am being held liable even though again they have been breached multiple times and did not actually inquire into the matter. If they would have pulled footage from there own store they could clearly see the purchase was not made by me or anyone I am associated with