davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-12
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

As a victim of identity theft, I discovered that there was an American Express Serve account opened in my name. When I informed the American Express Serve that the account was a fraudulent account, they proceeded to send an email to the email address of the identity thief and then the gentleman lied about sending the email. Once an account is flagged as fraud, typically the account information is not used. Per the FTC, under the authority of FCRA 609 ( e ), 15 U.S.C. 1681g ( e ), I am entitled to a copy of any information pertaining to the opening of the account and any account information available. Despite the fact that I 've sent them a police report, an FTC affidavit, and valid identification per the requirements of the FTC, they refuse to work with me on the account information, I 've been hung up on, I found that someone claiming to be a supervisor in their fraud department ( Account Protection Services ) has no fraud training, I 've spent hours on hold with associates that are ill equipped to deal with a fraud case.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX XXXX systems has repeatedly called and harassed me about a {$70.00} dollar collection. Claiming that since XXXX hasnt removed it from their report ( all other credit bureaus have ) that they are entitled and I better pay. That I can not escape being irresponsible and saying obscene things. 

XXXX as well said they will NOT take that into consideration and made their dispute decision based on information given by XXXX. This in turn made their calls ramp up from XXXX, day and night constantly harassing me. I couldnt even attend a funeral without their calls popping up on my phone.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete the hard inquiries Thank you
Consumer complaint received 2017-02-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (NJ)

Realtime Solutions is reporting the following late payments on my credit report. 

120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. 

This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Resurgent Capital Services L.P. (CA)

LVNV COLLECTIONS IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND XXXX HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  : account XXXX XXXX XXXX # XXXX, 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 a account without my written instructions.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MI)

I received a Target card in the mail that I never applied for. Credit limit {$500.00}. The gentleman that I spoke to in regards to the fraudulent account did say that there had been multiple transactions made with it.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.
Consumer complaint received 2022-09-03
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete the hard inquiries Thank you
Consumer complaint received 2016-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I had a mortgage with XXXX whom then sold it to Greentree llc I had fell behind on payments, due to my husband having an unexpected medical emergency and started to work out a payment plan with a rep " XXXX XXXX '' she had me caught up all but 3 months which were supposed to have gone to the back of the loan, giving me a 2 month break and a fresh start. when i called in after not hearing a response I was told the loan was now serviced by Ditech llc, i explained the situation to my new rep " XXXX '' and was told they would not honor such claim i asked to speak to a supervisor and he apologized but he really had no answer to give me and to just keep making my payments, at that time my payment was supposed to have been pushed back and i had already payed medical bills and meds for my husband but make a payment at the end of the month this was in XX/XX/XXXX, and did not have an answer to give me, in the mean time i have kept making my monthly payments. I was then told i could get a modification since i was not in danger of foreclosure, which i sent paper work in, On XX/XX/2016 i called all morning and got no answer at about XXXX i got an answer from some one named XXXX who told me he could get no answers for me and no one was available to answer my question of the modification and after begging to please just tell me if it was good or bad news he said he would have to ask a supervisor, after 10 min he came back and said, they refused modification because no paper work was received and that no one could help me because they are in the process of updating, and that i would get a response thru the mail then he laughed and said well maybe because we all know that snail mail always gets lost ... .i still made my payment and asked again to speak to a supervisor and was told my rep was busy mailing letters and there was no one available to speak to me & that he actually was used to speaking to people with less vocabulary because he was a mobile home agent and not a home agent but he would take my payment as a favor to me. he then told me to call monday to talk to my new rep, and asked if i wanted my old reps voice mail, i left her a voice mail and as of today got no response that was on XX/XX/2016 then on XX/XX/2016 i get a letter saying they are foreclosing on my property on XX/XX/2016 but no other info was provided ... i need help, i can make my monthly payments plus past due but cant make my past in a lump sum.
Consumer complaint received 2020-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute with Experian regarding inaccuracies found on my Experian credit report. Experian claims they did an investigation and updated the accounts, but did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA
Consumer complaint received 2016-12-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (OR)

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

OCWEN is violating the terms of their Consent Judgement in regards to my mortgage account. I am submitting this to you to have as record of my issues. I am seeking relief and requesting the Monitoring Committee established by the Judgement will take enforcement action against OCWEN and hold them accountable to the Judgement.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I ordered a free ( {$1.00} ) credit report from and they signed me up for a service, charging me {$19.00} after 7 days. The confirmation email has no mention of a service or receipt of agreement to pay for a service. They tried to cancel it after the charge went through to keep me for a month, but I told them to cancel it immediately and refund me. They said I would be refunded, but this is not how credit reporting agencies should work. This feels like a scam and they 're hoping most people wo n't notice.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Delinquent account — 
Company: Radius Global Solutions LLC (AZ)

Some one from this phone ( XXXX ) XXXX claims he is from collecting agency collecting a debt for XXXX XXXX. He has a first name and last name only. When I ask fro the middle initial he always refuses to tell. However he wants my birthdate and/or Social Security number. I will not give that information to no one over the phone. I had given him my middle initial a while back. I had told this person to stop bothering me for I pay my bills on time. 
The man I talked to name is XXXX. I called back to get the company name. 
I know there is a man with the middle name " XXXX '' that do n't pay child support or his bills. 
I was sent a court order from the state of XXXX for me to submit a DNA test. That 's how I found his middle name. 
I got tow calls from this individual today. I finally told him " if you think I owe you money suit me. 

I am tire of getting this calls from this people harassing me. He call XXXX today. XXXX call after the other. Can you please help?
Consumer complaint received 2016-02-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (VA)

I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has consistently been unwilling to work or resolve my complaints about my account, specifically in regards to overdraft fees. It is because of my overdraft fees that I am unable to keep current on my account, I have incurred hundreds of dollars ( over {$1000.00} ) of fees from the bank from the last year alone while not having a large income by any means. This has left me in a cycle of being short on funds to pay for bills and committed to the bank.
Consumer complaint received 2015-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: John C. Bonewicz, P.C. (IL)

XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
Consumer complaint received 2020-06-01
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)

CFPB DISPUTE RE : XXXX XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (TN)

I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full. 

I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently. 

That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them. 

I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off. 

I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc. 

I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me. 

My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal. 

I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY.
Consumer complaint received 2016-02-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

I secured a mortgage with Greentree XX/XX/XXXX for a mobile home. I have made regular payments since then without any major interruption. XX/XX/XXXX, my loan was taken over by Ditech and soon after they said my loan had matured and they wanted the full amount left on my loan, over {$2500.00}. I have explained, monthly after getting collection letters, that I am now XXXX and payment beyond monthly payments are not an option for me. I called earlier this week after getting one and the guy I spoke with tried to tell me I had never made any payments! I have the money order receipts going back to XX/XX/XXXX and the amounts sent. I was sent to another person who said my payments were in the system. She said these letters are computer generated and I would continue to receive them. No effort to set up a set payment plan I could manage or anything. No help at all. Then I get this letter telling my to take my complaint to the FTC AND CFPB. As a side note, I did try to procure a personal loan to pay this company off but, since they have reported my account to the credit bureau, I was unable to do so. This seems like poor business practice on the part of Ditech and Greentree had to know what their practice was when they sold my account to them. Please help if you can.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms.
Consumer complaint received 2019-02-23
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: NAVY FEDERAL CREDIT UNION (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that NFCU absolves me of all charges on the account ending in XXXX recently changed to XXXX by NFCU. Also, request that you take all appropriate steps to remove information about this account from my credit files. XXXX  and XXXX have removed this fraudulent account yet NFCU continues to report false account information to my XXXX file. 
Enclosed is a copy of my Identity Theft Report supporting my position, and you have a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also please reference FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). 
As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and concluding actions.
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do