davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (HI)

Apparently my SS # & Email acct had been hacked & I believe my sister, a XXXX addict, was also attempting identity thieft before she had an untimely death in XXXXShe stole a lot of $ from my father. My income is difficult to explain since I now collect social security & have inherited monies from both my father & my very wealthy aunt ( I'm in the process of having monies placed in trust accts & managed by others more capable then me! ). It does give me a steady monthly stipend that adds to my Social Security & shouldn't run out. I keep finding more & more derogatory comments on my credit reports? Tonight claims a late payment for a target credit card from XXXX. I've had only one Target credit card & it's totally up to date! I used it today! I usually pay my my few active credit card balance in full each month. I am immunosuppressed & was isolated for nearly 18 mos. I realize I got slopply with my payments due to XXXX. Totally my fault I had the income I was just lost concerning time & date since literally left alone with everything delivered to my door & Dr. appts & family only checked in virtually. Now I hope to repair my credit & health & get to the bottom of some debts & loans that are not mine! I couldn't leave my XXXX  from XXXX XX/XX/XXXX till XX/XX/XXXX & still must be cautious. No reason to apply for loans or credit cards then & minimally today. XXXX, XXXX XXXX
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NE)

I have never opened a checking account with JP Morgan Chase Bank. I recently received statements that I have owed {$34.00} ( XX/XX/2021 ) and {$46.00} ( XX/XX/2021 ) on the account. My wife and I did have our mortgage purchased by Chase years ago, but we never authorized an account being opened. In researching online, Chase has many other consumer complaints about opening accounts without user knowledge. 

I have contacted Chase Bank via ( XXXX ) and ( XXXX ) and am unable to actually talk to a person. In the phone tree it asks for a bank account number, which was on the statement, and PIN, which I don't have. In looking online, there seems to be no way to actually get around this setup. I tried 5 times this afternoon without success. I also tried the service XXXX to see if there would be a response. The service was unable to help.
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have provide any information necessary to verify that I am filling this complaint. These stale tactics you companies are using are unprofessional and illegal. Please see attachments and provide me with the proper verification pursuant to the LAWS that govern you all business.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (VA)

On XX/XX/11 I received emails from XXXX XXXX and XXXX that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-02
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years.

15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: NAVY FEDERAL CREDIT UNION (CO)

XXXX sent XXXX a charge and charged my navy federal credit card and it wasnt even a right charge. I am filing for insolvency since i havent had a job since 2019! I am currently going through financial hardship and have not recieved any stimulus yet. Please pause all my accounts
Consumer complaint received 2021-09-05
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. (AZ)

I submitted a dispute to Experian due to the inaccurate information that was being reported on my credit. I mailed my first dispute on XX/XX/2021 and certified mail receipts confirmed that it was received by Experian on XX/XX/2021. I never received a response for this dispute. I sent a follow-up letter to Experian on XX/XX/2021 and it was received by Experian XX/XX/2021.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (CA)

Received an uncilicted US BankReliacard debit card. Card # XXXX XXXX XXXX XXXX. Flyer inside envelope states that " Colorado Department of Labor and Employment automatically issues a Reliacard to every claiment who files for and is approved to receive unemployment benifits ''. 
I have not applied for unemployment. 
Is someone using my identity to file for benifits?
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DE)

Back in XXXX I applied for a home refinance laon with Ameriave. They gave confused repsonses and no one seemed to know what they were doing regarding my application. I withdrew my application ( XXXX XXXX ) in writing. 

Now I just received an adverse credot letter that they refused to fund me because of inadequate documentation. 


This is what they just sent me : Dear XXXX XXXX : After reviewing your application, we have closed your file for incompleteness or we are unable to approve you for a loan program. Thank you for allowing AmeriSave Mortgage Corporation the opportunity to assist you. Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. 



Warmest Regards,
Consumer complaint received 2021-09-05
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. (FL)

Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have XXXX jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, 2017, my phone and wallet were stolen while I was out eating dinner with a friend. By the time I was able to track down my stolen phone, I realized there were multiple fraudulent transactions on my XXXX account sent to an unknown user. 

There were a total of five XXXX transactions with a total of {$2000.00} sent to this unknown user. I have attached a screenshot of these transactions below. 

Once I saw these transactions, I immediately contacted my bank, reached out to XXXX, and even filed a police report. I will attach the detailed police report below. XXXX was able to stop the transactions so that the money was not taken from my account. However, XXXX is currently threatening to send collections on these fraudulent transactions. 

XXXX was initially helpful and was on my side while I was submitting my claim over the phone. However, after further review, XXXX is now threatening to send collections over transactions I did not make. XXXX claims they were not able to locate evidence of unauthorized access to my XXXX account. I was told to just reach out to the person that sent these transactions on my phone and ask them to send the money back. However, I clearly am not able to do so as I have no idea who this person is or how to contact them. They even went to the extent to change their username on XXXX  after sending the money to their account. 

I am financially responsible, and I have never come across any issues like this before. I have gone to great lengths trying to take action against this act of fraud, but XXXX is still threatening to send me to collections. 

I have attached these files below : -A list of the fraudulent transactions on XXXX ( before and after the username was changed ) -XXXX confirming the transactions were intercepted -A police report
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

PORTFOLIO RECOV ASSOC # XXXX ; XXXX ; XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please provide all request listed or you will be in violation my rights.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A. (CA)

I had them change the date of withdrawals to coincide with my paydays and they charged me an extra {$150.00} and added that to my payment I have already paid this company over {$2000.00} for a small loan. Now the agreement they send me is an out of the country bank who I believe are a fraud in fact 1st page undercpayment schedule interest rate is over 800 % and says if you pay off early you still apy full fiannace charge. 
How is this legal I have asked XXXX multiple times to stop withdrawals from my acct and they wont as company makes remote checks. 
I think they need to be reported to FTC
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Hello, My account is not past due. In fact, this is a clerical error that I have asked your company to fix several times, you have refused to do so. 

Again, here is the issue that needs to be fixed : 1. I purchased an {$80.00} corset with my credit card 2. I returned the corset before the billing date 3. The return was not reflected on my billing statement because, according to your company " It takes 3 weeks '' I was told the balance would be {$0.00}, but instead I was charged a late fee.

4. The {$80.00} charge was removed from my credit card bill, but the {$40.00} late fee remained.

I don't owe anything. I returned the item. I was told the balance would be {$0.00}, but instead I was charged a late fee.

This is not something I can change on my end. Your company has to fix this error.

I've reported you to The Federal Trade Commission ( FTC ) You should hear from them soon.

Thanks
Consumer complaint received 2020-11-21
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. (IL)

Company XXXX XXXX shows up on CRA Reports not an account I am familiar with or charges. I send out verification letters both notarized and certified requesting validation of this reported account to XXXX. I request copies proof of signed contracts itemized payment proof or itemized proof of debt owed. 
Something more tangible for proof than just electronic passing of names and numbers which is my entitlement under FCRA. 
Factually in Illinois there are at least 13 people with exact same name as myself so I have seen stuff like this before! I as well sent dispute letters notarized and certified 2xs to the reporting CRAs. All to keep coming back electronically verified with no proof of this account being mine! One letter returned to sender ( myself ) off of bad addresses reported by CRAs only Experian had correct address. I have receipts of all items sent response letters returned letter and still this is a unverified account being reported against me causing me the inability to obtain the good credit I deserve! CRAs continue to verify/ XXXX  continues to verify and no one has shown hard validated evidence of this Account! I have shared all this info with both the Bureaus and XXXX.
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (CA)

The reporting agency states the credit card company certify the information is correct they sent to them to report. We did not receive the certified letter with a wet ink signature to whom made such claim that the information they have is accurate. 
Date of event : XX/XX/2017 Amount : {$520.00}
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

Hello my loan service provider is Mr Cooper XXXX. For the last year I have had numerous financial difficulties because of the pandemic. I am currently on the forbearance program with Mr Cooper XXXX. I have applied for the Nebraska homeowners assistance fund. My application was approved and the status right now says communication sent to lender. Nebraska homeowner assistance fund claims they sent communication to sender on XX/XX/XXXX. It has been over a month and my forbearance program ends at the end of this month XX/XX/XXXX. The Nebraska homeowners assistance fund claims that Mr Cooper is not responding to their communication. I have spoken to the compliance department XXXX of issue resolution XXXX XXXX of Mr Cooper on XX/XX/XXXX. She has supposedly talked to her HAF team but the issue is not being resolved. I'm running out of time and I did not want to lose my home. I need Mr Cooper XXXX to respond back to Nebraska homeowners assistance fund with the documents they need so they can make the decision of what they're going to pay. I would appreciate if Mr Cooper lakeside would do their part so this issue could be resolved.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

My mortgage was purchased by NewRez in XX/XX/2019. After receiving their introductory email, I set up an online account requesting that all communication-even statements-be sent electronically. To this day, I have not received one mortgage statement from them. I have contacted them to complain, voicing my concern that they are doing so intentionally so as to collect late fees from their consumers. Despite my complaints, they have not corrected this. I do get marketing emails from them, so I know they have the correct email. This may be a IT error on their part, but I don't know why it has not been addressed yet. As an educated consumer, I continue to make my payments on time. I don't know if this could be true of other consumers, which raises concerns that NewRez may be trying to take advantage of these consumers. I am considering re-financing with a different lender, because I think their policies ( or at best their inability to fix errors ) is concerning.
Consumer complaint received 2019-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

We did a mortgage modification because we could not afford the payments of approx. {$1600.00} a month that became final on XX/XX/19 with the new monthly payment of {$1400.00} beginning XX/XX/19.

On XX/XX/19 I called Carrington Mortgage to see if I could make the XX/XX/19 payment early, I spoke to XXXX who then told me that the payment was now {$1500.00}. I explained to her about the Modification however she said that is the amount in her system of the payment due.

On XX/XX/19 I called Carrington again to ask what the payment amount is and first spoke to XXXX  who told me {$1400.00} but then transferred me to XXXX who told me we owe {$570.00}. I was then transferred to XXXX  who then tried explaining that they did an Escrow Analysts and came up with these new figures. She then stated that if I had a " Conventional loan '' they could work with the numbers but since it was a FHA loan they couldn't.

Then on XX/XX/19 we received a monthly mortgage statement stating that we owe {$2000.00} for the month of XX/XX/XXXX.

We are very upset that we haven't even made our first payment yet and the amount has changed several times.

Why wasn't an Escrow Annalist completed before the signing of the modification?

We do understand that escrows change from time to time but we know for a fact that neither our taxes nor our insurance have went up since the signing of the mortgage modification on XX/XX/19.

Had the analysts been completed prior to the agreement of the modification we would have had a better understanding of the monthly payments due.

At this point the modification was basically useless because our payments are right back to not being affordable before we could even make the first payment.
Consumer complaint received 2021-07-11
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. (FL)

XXXX  does nothing to correct the wrong information on my credit report. XXXX  and Equifax have everything correct and respond to my inaccuracy problems and actually remove and adjust my issue. XXXX  does nothing and this bad credit score is hurting me with getting loans, credit cards and everything else you can imagine. This is very irresponsible on their part because this is peoples lives and taking this reporting for granted is just wrong.
Consumer complaint received 2019-08-12
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. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )
Consumer complaint received 2021-03-26
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. (FL)

My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.