davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Consumer complaint received 2018-03-03
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. (CA)

On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
Consumer complaint received 2018-02-28
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: Experian Information Solutions Inc. (DE)

There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Hello, I'd like to request an appeal for claim # XXXX. 

The XXXX transfers in my Wells Fargo account are for my small business dividend payments. 

I own a lot of bank accounts and credit cards with other banks, so it's very hard for me to keep track of financial account activities. 

I would like to add some supporting documents for my claim so hopefully I will get my money back. The money I have lost is a lot for me and I can't afford to lose them. So I will do whatever it takes to get it back. Anyways, please see the attached files. 

As you can see, I have been targeted by some hackers/scammers online and they have been sending me unwanted suspicious messages and friend requests on XXXX since XXXX. I did click some links in the beginning thinking I won some giveaway event. However, it turned out to be a scam. It looks to me that somebody remotely got access to my phone or something when I clicked those links. I honestly don't know how he/she managed to do all that. Anyways, I learnt my lesson from it and today I got a new phone. It cost me a lot of money for that too. 

I've been under a lot of pressure because of XXXX and XXXX. So I'm having a lot of things going on in my life. It's very stressful and I even thought of suicide and I recently realized my money being stolen and now it's even more depressing. 

If you could help me get this money back, you are making a big difference in my life. Please help me. I beg of you. It's a lot of money.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

The loan officer XXXX XXXX ( NMLS # XXXX ) with PennyMac Loan Services , LLC is not responding to my emails, phone calls for the past 10 days. I have provided all the documents he requested but now I have no idea what is happening with my refinance application. This I think is very irresponsible that you ask a customer to bend over backwards and provide all that is needed and you just disappear! As a consumer I feel violated as I did my part and this guy has no courtesy to even respond.
Consumer complaint received 2019-03-09
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. (GA)

In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, XXXX  and Experian have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage told me that my Covid 19 forbearance ended as of XXXX but did not let me know about the following ; XX/XX/2021 the end of the COVID-19 National Emergency Up to 6 months Up to 6 months ( if the initial COVID-19 Extension period will be exhausted and expires during the COVID-19 National Emergency ) 0 Up to 12 months ( if the Borrower or the HECM is eligible for the additional COVID-19 Extension period ) They sent me a loan modification to myself and my son who lives in XXXX NY. I live on the premises concerning this mortgage. 
I and my son sent individually the signed loan modification and I called to confirm their receipt but they kept sending me the same loan modification documents and when I called why they kept sending me the documents again when I had called to confirm receipt of both they didn't know the reason. Each time I called the representative couldn't answer the questions that I asked and kept me hanging on the phone. During this time I had submitted an unemployment form confirming that I am unemployed at this time currently seeking a job in Accounting. I have sent messages to Freedom Mortgage weekly and they have been unanswered even though I receive a email confirmation that they would respond in 3 business days which they have not. They tell me that my mortgage payment is due XX/XX/XXXX but I have messaged them that I will have to contact a lawyer if this isn't resolved. I have requested that Freedome Mortgage call me by a representative who is knowledgable about my account but I have yet to hear from this. This has been going on since the second week of XXXX. I am frustrated and will have to seek legal counsel soon.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX TXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Consumer complaint received 2019-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, TransUnion and XXXX have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.
Consumer complaint received 2021-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX CAPITAL ONE BANK USA N XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}
Consumer complaint received 2021-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RoundPoint Mortgage Servicing LLC (LA)

I, XXXX XXXX entered into a consumer credit transaction with XXXX d/b/a XXXX Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but XXXX d/b/a XXXX Mortgage took cash. Since then, XXXX d/b/a XXXX Mortgage has sold the note to Roundpoint Mortgage Servicing Corporation and is now liable both criminally and civilly.
Consumer complaint received 2021-06-01
Product: Mortgage — VA mortgage
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: AMERIS BANCORP (GA)

My Mortgage account with Ameris Bank has been reported negatively on our credit report for the last three months ( XXXX, XXXX, XXXX ) last report to Credit Bureau on XX/XX/XXXX showing missed payment. After speaking with the loss mitigation department with Ameris Bank I was directed to send this email, requesting for a correction on my Account and our Credit Report. This payment arrangement was due to a Unexpected Natural Disaster, and should not have been reported negatively on our Account or our Credit Report. We are in the process of purchasing a vehicle due to a total loss accident, and the missed payments showing on my credit report is impacting my Credit Score tremendously. This was a payment arrangement, which I have for filled my obligation.
Consumer complaint received 2018-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

This compliant is against Ocwen Loan Servicing Mortgage Company and is in reference to my mortgage loan. On XX/XX/XXXX I OVER PAID my monthly mortgage in the amount of approximately {$10000.00}. On approximately XX/XX/XXXX I contacted the mortgage company and requested that I be reimbursed for the difference. I was informed that a request would be submitted and I would be REFUNDED my money. On XX/XX/XXXX a wire transfer supposedly occurred from Ocwen and was sent to my bank account but the bank account number that the funds were sent to was an INVALID account because of a transposition in the account number. I have been talking with at least 3 different escalation managers at Ocwen and to this date I have not received my refund. There customer service is despicable. They are incompetent and non-responsive. They have provided no amicable solutions nor have they even attempted to trace what has happened. They appear to have done nothing but tell me that they are waiting to receive funds back from the bank before I can receive my refund. I have talked with the bank and the company every day practically since XX/XX/XXXX and I am getting no answers as to when I can get my money. I am at my wits ends because this is my life savings that I am waiting to receive and no one is helping me find out what is going on..
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (LA)

Sunrise Credit XXXX refuses to remove a debt that I have already paid directly to XXXX and XXXX in the amount of XXXX. I was told to email Sunrise the confirmation number of the payment accepted by XXXX and XXXX, I have done that and the debt remains on my credit report, and is hindering my credit at the moment.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OK)

Citibank advertises their shop your way program. You can receive points for using the card, and use those points at other merchants. The problem is you can not access your account. If you try to use your password it is not accepted and if you try to change the password itis not accepted. So I called Citibank to complain and they send your call to shop your way rewards. they do not answer the phone. I left a message for them to call, no call. I have XXXX points which is worth {$120.00} I can not use. if you get on the website you will see others have the same problem.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (UT)

on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN
Consumer complaint received 2017-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

In XX/XX/XXXX I received notice that full payment was due on my home equity line in the amount of {$9300.00} principal balance plus {$140.00} accrued interest. In XX/XX/XXXX I received a second notice for a larger amount of {$11000.00}. I spoke with a Specialized Loan Servicing, LLC representative named XXXX regarding a rapid payoff schedule, and questioned the new payoff amount. XXXX ordered a new payoff amount be sent to me and said the payoff schedule I proposed would likely be approved and the new charges could be reduced. Instead, in XX/XX/XXXX I received another payoff amount, this time increased to {$12000.00}. I am prepared to pay {$5000.00} toward a reasonable, fair, and honest payoff amount immediately and the remaining balance off by late XX/XX/XXXX.

Specialized Loan Servicing has refused to sent monthly or even quarterly statements for years and they ca n't explain the amounts due when I call for the info. I repeatedly requested statements and needed them during a health crisis because a family member was helping keep track of monthly bills.
Consumer complaint received 2022-04-28
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-10-22
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. (LA)

Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group is trying to collect a debt from me personally when they need to be billing my insurance. On XX/XX/XXXX and XX/XX/XXXX they put an account into collection for which they need to bill my insurance, not me.
Consumer complaint received 2022-10-13
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. (GA)

The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. 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 XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose