davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (KY)

I had a lady that was working for me and she had access to all my personal information. She had access to my company cards and she ran the limit up, then she applied for a Home Depot card with her name on it with my information and they approved it without my knowledge. She got it and charged it up as well. I was in the hospital at this time, when they contacted me about the bill being late, I explained to him it wasnt my charges and they put it under investigation came back and said that they thought I put the girl up to this so I tried to work it out as a dispute on my credit, and they cant do anything to my credit until the lender sees that its fraud on the credit report. Since then, I filed a lawsuit against the girl and I have proof of that lawsuit. The company wouldnt work with me because I couldnt obtain a police report. When the police were contacted they told me it was an in-house matter told me to take it to Human Resources. The account was ultimately charged off for {$3000.00} in XX/XX/year>. Despite my best efforts, I have not been able to have this reported as fraud by Home Depot and has since affected my credit score.
Consumer complaint received 2021-05-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

OVERCHARGE : PHH MORTGAGE has extended my mortgage even after it should have ended. When Ocwen Loan Servicing LLC service my account before turning it over to PHH MORTGAGE, my statement dated XX/XX/XXXX, the balance {$220000.00} ( See attachment ) not {$340000.00} as PHH Mortgage claim. I had a Loan Modification where I get {$53000.00} off per year as long as I made timely payments ( XXXX, XXXX & XXXX ). PHH MORTGAGE took over servicing the loan & change the agreement & went back to the original an amount in XXXX. How many people have been extorted & financially XXXX before something is done?? How many?? 
You should do an investigation & charges the company with overcharges & extortion
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CT)

I called freedom mortgage on XXXXto let them know I found a different flood insurance company alot cheaper previously what I was paying. It's was my first time acquiring a different insurance company. I let her know on XX/XX/21 my flood insurance expires. She said we sent a renewal check to the original flood insurance on XX/XX/21, she said she would try to stop payment. On XX/XX/21 my new flood insurance sent the paper work. She did not upload it till XX/XX/21. And my old flood insurance cashed the check she never stopped payment. And freedom mortgage did not upload my renewal for my homeowners either it says expired They have not sent a check to the company 's yet. What the representative put in the notes is not what she told me I asked her should I call my original flood insurance and cancel she said you can if you want or you can let it cancel on XX/XX/21 she denieing she told me that. And on XX/XX/21 I also asked about streaming lining they said someone would get back to me via email or phone call. There's no note once again of me acquiring that. They still have not paid my new flood insurance either.
Consumer complaint received 2022-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello Consumer Finance Team, I am reaching out to you to request an investigation on Paypal regarding their decision to permanently limit/banned my Paypal business account and holding my funds for 180 days. I have filed several complaints to their customer service, executive teams, escalation team, and other Paypal departments, regarding it since XX/XX/2021, but they all have turned a blind eye to my request to release my funds earlier as I need them for my digital business. 

There are several transactions that were involved in this complaint as Paypal has put a permanent limitation/banned on my business account. There is an Available Balance and Pending/On Hold balance and they won't allow any more transactions on my account nor release the funds left on my Business account since they have restricted my Account last XX/XX/2021. The transactions on my account are from XXXX to XX/XX/2021. 

Here are the details based on my Paypal Balances : Available Balance : XXXX : XXXX EUR USD : {$1300.00} USD Balance On Hold ( Pending ) : USD : {$6.00} I am reaching out to you to ask for assistance in releasing the above Balances on my account. Please help me out as I am just starting my digital business and Paypal is keeping my funds for 180 days which is unreasonable and they have not provided a valid explanation on their decision to permanently closed my account. 

I am looking forward to your assistance and positive action on this matter. 

Thank you and Best Regards, XXXX XXXX
Consumer complaint received 2021-01-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NJ)

On XX/XX/2018, I was notified that XXXX XXXX XXXX bought a debt from XXXX XXXX. I had made payment to this debt on XX/XX/2018. They have appeared on my credit report and this is, in turn, affecting my ability to build credit due to their fraudulent claim.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has been secretly charging me {$95.00} for XXXX and XXXX annual fees and deducting them from my bank account. 

I have not used the account at all, received zero benefits from them, yet Capital One charged me {$190.00} in annual fees. 

Today I asked Capital One to waive those fees but they refused. 

I closed the account today but I am asking for assistance in refunding the {$190.00} in annual fees they charged me.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EOS Holdings, Inc. (NC)

I have reviewed a copy of my credit report and I show company EOS CCA ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-11-10
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: AMERICAN EXPRESS COMPANY (NC)

Recently i received a copy of my XXXX credit report and noticed multiple unauthorized opened accounts from Amex added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Amex. XXXX gave Amex credit card company access to my credit file without my permission. 

there are 2 Amex accounts that are reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Amex and when ever i talk to Amex the blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ordered one credit report on TransUnion website on XX/XX/2020, at the price of XXXX. 

I didnt know I was subscribed to their service and was charged {$27.00} monthly for 11 months. During this eleven months, Ive never received any receipt or invoice for their monthly charge. It is very unfair for TransUnion to charge me monthly without notifying me, while it looked it was a one-time charge when I purchase the credit report.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

Transworld Systems has put a {$160.00} debt on my credit report that is not mine. It is in my daughter 's name, she was XXXX at the time, and it was in a state that I haven't lived in since XXXX. The debt is for a hospital visit in XXXX and is under my daughter 's name. They are saying that I am the responsible party, however there is no reason why I should be responsible for this debt as my daughter hasn't been on my insurance since she was XXXX. Additionally, I called the hospital that this debt came from and they don't have that I owe them anything.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

In XX/XX/XXXX I noticed a derogatory account listed on my credit report, which had negatively impacted my credit rating. I discovered this was from a company called IC Systems. 
Upon calling ICS I was informed I had an outstanding debt of {$120.00} from XXXX  dating from XX/XX/XXXX. They said it related to my not returning broadband equipment, which I had. 
I asked repeatedly for them to provide evidence of this debt which they have not. I explained that I had been a XXXX  customer from XXXX to XX/XX/XXXX and therefore it was illogical that I would have debt with them during that period when my account was in good standing. They argued that as they were separate accounts ( one closed in XXXX and a new on started the same month due to moving home ) that it wouldnt show. It was confusing as I have never had any issue with my XXXX  billing. 

The representative on the call said that IC had written to me a few times in the past few months ( coincidentally since I closed my XXXX  account in XX/XX/XXXX ). I explained that I have been out of the US ( in the XXXX ) as a consequence of the coronavirus pandemic so hadnt seen the mail but asked to be communicated with via e-mail instead. He refused to have them e-mail me. On my opinion, in this day and age, there is no good reason not to write by e-mail. There is no more or less chance of risk than with a call or physical letter. It is a tactic on their part to draw me deeper in to problems. As a side note I believe the name IC Systems to be deliberately misleading too. It does not address the nature if their business and could be easily overlooked as junk mail or spam. 

In any case, the representative then asked if I would like to provide further details? I said no as the taped message at the start of the call said any information I provide could be used to pursue me and I dont want to be harassed. The agent said that isnt the case and they wouldnt use it for that. This is early contradictory and also doesnt reconcile with his earlier refusal to write to me via e-mail or to call my XXXX number. He then asked if I would like have to case reviewed, meaning it would be put on hold for a few weeks while it was assessed and no further action would be taken in the meantime. I agreed and asked for the evidence of debt to be sent during that process. 

Two days later they filed another derogatory account notice to my credit report. This company has now severely impacted my credit rating at a tome when people are struggling hugely. They still havent provided me with evidence nor reached out via phone or e-mail. 

I believe they have acted in bad faith throughout. They have caused me stress and affected my future ability to access credit. Their weekly credit updates are designed to weaken and pressurise the individual.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I've made a Cash Deposit on a ATM of Bank of America located on : XXXX XXXX XXXX, XXXX KY XXXX. ( XXXX XXXX XXXX ) on the date XX/XX/2021 at XXXXhrs.

It wasn't reflected in my account balance, and just printed to me a sort of recipt apologizing, but unablle to process the money deposit or item ( s ) return. 
I'm a new client customer and they are still illegally holding my money, they also didn't giving me a clear response for the inconvinience and making me a unnecessary waiting for my founds. I demand a CFPB ontervention. Thanks
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a stay at home mom, who doesnt work and Bank Of America lied to me and contradicts everything they tell me. 

on XXXX of XXXX I called Bank of America in regards of my account. The representative explained to me he saw some charges on my account. I replied and said I didnt authorize those charges. 

The rep then stated he will submit a refund and within 90 days they will CONTACT THE MERCHANT and after contacting the merchant, they will then make a decision before closing the case. 

On XX/XX/XXXX of XXXX, BANK OF AMERICA reversed the refund which resulted my account being overdraft and they charge me an overdraft fee. ( {$69.00} was the refund ). I then received my stimulus check and because they took back the refund they gave me, my account was in the NEGATIVES and BANK OF AMERICA gave me a credit so My account will be positive again so I can get my full stimulus check. ( if they contacted the merchant and verified the merchant was already paid by my bf, then none of this would of happened ) the temporary credit was for {$43.00} which will end on XX/XX/XXXX ( all of this because no one reached out to the merchant and they caused my account to be in the negatives ) called Bank of America and was told, they NEVER CONTACTED the merchant because there was no urgency. I explained thats NOT what I was told and I was told they would reach out to the merchant before closing the case. 

I was advised that I would now have to submit my documents so they can reopen the case and that it would take up to 45 days I submitted the documents within one week of speaking to the agent. Then was told within 4 business days they would have a decision.

I called back within 5 business days and then was told 10 business days for a decision. I called back again and now was told 45 days again. ( Everyone keeps giving me new days of when this will be resolved ) Now XX/XX/XXXX is close and they will take back the credit of {$43.00} which will make my account go in the NEGATIVES again while they research the claim. For some reason no one can listen to all the calls I made where every agent in the claims department provided different information to me that contradicts what the last person said. And now Bank of America owes me {$69.00} and wants me to pay {$43.00} because of the overdraft fee they caused in my account. 


I was NEVER advised back in XXXX that they needed any documents! No one reached out and explained that I could of faxed them the documents, I only faxed them my documents because the case was reopen since they closed it!
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

LVNVFUNDG Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

Upon checking my credit I found a trade line from Allied for XXXX XXXX XXXX that was reported to XXXX  on XX/XX/2021. On XX/XX/2021 I emailed Allied via their website explaining that I believed this account was being handled by XXXX XXXX, I sent a second email on XX/XX/2021. In both of these emails I explained that I had not received an initial letter of validation or any written or verbal communication regarding this account. As of XX/XX/2021 I have not received a response to either email, received a phone call, or received an initial notification letter from Allied Collections. As a result they have an open trade line for a collection account without giving me the opportunity to dispute the validity or pay the account in full prior to them reporting this to the credit bureaus. 

I reviewed my credit report and found that XXXX XXXX XXXX updated their reporting ( resulting in 2 collections being listed for the same account, an issue I will report separate to this complaint ) on XX/XX/2021. This means the earliest Allied could have had this account reassigned to them is XX/XX/2021 ; as they reported the collection on XX/XX/XXXX it would be impossible for them to have sent the initial notification letter and allowed the 30 day right to dispute as required by law prior to them reporting this account to my credit bureau. I view this tactic as a clear case of debt parking.
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the Equifax data breach.
Consumer complaint received 2017-12-15
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: Innovis (IL)

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Thank you, XXXX/XXXX/XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

I established a payment arrangement in XX/XX/XXXX for bi-weekly payments of XXXX. I NEVER missed a payment or was late. I received a phone call last month ( XX/XX/XXXX ) from I.C. System, Inc. ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that my payment arrangement had ended and my final payment of {$27.00} was taken out on XX/XX/XXXX and I had a remaining balance of {$150.00}. Not sure who authorized the increased payment either because I did not. -- - I asked the guy to be put back on the payment arrangement I had in place because my financial situation had not changed. He told me that my ONLY option was breaking it up into two equal payments ( which would be 3x my normal payment amount ). I told him that was not feasible - he then THREATENED to put this on my  credit if I did not take the offer he gave me. I then informed him that it is illegal to threaten someones credit and that I could not increase my payment. I then went on their website and made a payment on XX/XX/XXXX for XXXX. Today I received a call from I.C. stating that this had now been reported on my credit ( after I was threatened ) - even though I still have not missed a payment.