davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have a few accounts that are not mine, I didnt authorize anyone to use my credit for anything and I believe the identity theft was done possibly by a previous tenant thats now XXXX XXXX XXXX.. I dont have proof he did it as I told the police officer ... I filed a FTC Report ( XXXX ) and a police report ( Case # XXXX ) XXXX XXXX Georgia Police Department and submitted a Identity Theft Affidavit, to all 3 credit bureaus and to XXXX XXXX XXXX XXXX And Portfolio Recovery Assoc ..., XXXX XXXX  ... The amount for XXXX XXXX XXXX XXXX {$24000.00} and the total amount for both accounts with Portfolio Recovery is {$11000.00} ... I dont own this debt and I never authorized anyone to use my name or social for these items.. 
1 ) portfolio recovery, originally with XXXX XXXX, amount {$10000.00} opened XXXX XXXX 2 ) portfolio recovery, originally with XXXX XXXX  , amount {$1000.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX {$24000.00} opened XX/XX/XXXX XXXX
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Mandarich Law Group, LLP (CA)

I am just at my wits end. I am being threatened with a suit by some huge Law Firm called Mandarich Law Group , LLP for a debt I have no knowledge of. I am a victim of Identity theft and I have lived at my current resident for several years and I have never received a notice from this law firm until now. 

In addition, they ( Mandarich Law Group ) claim they are collecting for their client who is XXXX XXXX XXXX whom I have never been contacted by, however they are a collection agency. The collection agency according to my credits says they are collecting for XXXX? 

Is this legal can I in fact be sued for something I know nothing about? I was never contacted by XXXX who is suppose to be the original creditor, nor have I been contacted by XXXX , XXXX who is suppose to be the collection agency collecting on behalf of the original creditor. 
I was only contacted by the law firm with a DEMAND letter dated XXXX XXXX, 2015 that I received on XXXX XXXX which they said in the letter I have 10 days to respond when I received the letter 10 days from the date of the letter.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MA)

On or around XX/XX/XXXX, I received a bank statement from TD Bank for an business account that I did not open. 

On XX/XX/XXXX, I spoke with a branch manager and customer service rep at a XXXX, MA TD Bank location, and neither of them could tell me who opened the account. They told me that the account was opened online and provided me with the XXXXertificate Regarding Beneficial Owners of Legal Entity Customers. ( See attached ) When I XXXX  the source of the deposit ( XXXX XXXX ), I found the following : XXXX XXXX XXXX XXXX XXXX XXXX is a recoverable assistance program offered by the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( the Bank ) that helps members provide financing for qualified small business transactions by. filling the gap between what the member can finance and the loan request by the eligible small business.XXXX XXXX XXXX I did not request this loan. 

I do not want this loan. 

I did not open this account. 

I believe this is a fraudulent attempt to sign me up for a business loan. 

The Branch Manager offered to close the account and give me the money in the account. I did not accept this because I believe that it would mean I accepted the loan ... .which I didn't request and don't want!
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

Back in 2017, I lost my job but was still making payments on my credit card. XXXX, I made a payment and for whatever reason, Comenity bank claims that the payment was not made but it was. The same incident happened the next month and my original credit with them was {$300.00} but because of this, it went up to {$1000.00}. I reached out to them and they told me it was my bank 's fault. I also told them that I was unemployed and could no longer make payments.Up until this point, nothing was done. I definitely owe them {$300.00} but I do not owe them the additional {$700.00} they are trying to charge me.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

BB & T sent me a letter that they were transferring my mortgage servicing to Sun Trust/Truist. The information did not appear on Sun Trust website and after contacting them I was told it went to a third company, which turned out to be incorrect. Eventually my mortgage was located and is indeed at Sun Trust. Issue is that BB & T took my regularly scheduled mortgage payment on XX/XX/XXXX and now Sun Trust has done the same on XX/XX/XXXX. Sun Trust has put in the request to refund the money to me but it will take 14 days to do so and requested I contact BB & T for a quicker response. BB & T is unable to assist as they no longer hold my mortgage. I am requesting Sun Trust refund my money immediately, cover all overdraft fees and expenses, and pay daily interest for each day they hold onto my funds without a refund. I have spent a significant amount of time trying to work with both companies over the phone with no results and am reaching out for assistance.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (NJ)

This account was opened without my authorization. 
I am a victim of ID theft. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap SUNRISE CREDIT SERVICES Account Number : XXXX Account open date : XX/XX/2023 Please remove this inaccurate information from my XXXX credit report.
Consumer complaint received 2020-05-06
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)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have requested on four separate occasions to have my escrow money returned to me. I was told on the first phone call that it was lost in the mail and I needed to wait thirty days to have the check reissued. After thirty days I called and they said they would mail it out again. After an additional thirty days I was told that it was never sent out by accident ( something internally wasn't done correctly and it wasn't processed per the rep I spoke with ), and it would be sent out again. Thirty more days have passed and I was told " they were behind because of Covid-19 '' and to keep checking back. This came from a supervisor. This is ridiculous as the money should have been returned to me back in XXXX of 2020.
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT
Consumer complaint received 2017-08-07
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. (NC)

I canceled my credit card with XXXX XXXX XXXX over the phone the first week of XX/XX/XXXX and paid the last payment of {$8.00} on XX/XX/XXXX because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XX/XX/XXXX and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting that information ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither should suffer due to their incompetence ...
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2021-03-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (NC)

I noticed a Student loan on my credit report from Fed Loan Services this account is a result of Identification theft. Tried to dispute this and contact company they keep saying that its mines and it is not. It was opened on XX/XX/2017 the balance is XXXX.
Consumer complaint received 2020-05-06
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-08-08
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. (MD)

I contacted All XXXX credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On Wed XX/XX/XXXX, I received an email from my loan officer, Mr. XXXX XXXX informing me that " due to high volume, we are not able to get you closed on Friday XXXX XX/XX/2020 XXXX ''. 

On Thus, XX/XX/XXXX, I received an email from mortgage processor XXXX XXXX stating : " The underwriter is asking for the following : Hi XXXX, I will need the year to date 2020 P & L statement. '' I was surprised because I am just a XXXX XXXX XXXXXXXX with a XXXX  pass through status so I got on XXXX and created my XXXX XXXX XXXX. 

However, on Friday XX/XX/XXXX I was sent an email by the mortgage processor that the underwriter was now requesting the following : " The XXXX XXXX XXXX is inadequate. It was created by the borrower. We need an audited XXXX XXXX XXXX and balance sheet prepared by his CPA. Also, the CPA needs to address what impact moving the business to KS will have to future revenue streams. 
In addition borrower needs to provide current assets/bank statements and to address what line of work he was in exactly in his previous job. '' At this point I was beginning to feel excessive anxiety because of the delayed signing, move in delays, and now this potentially expensive and unnecessary requirement on Friday night. I could not get a hold of my account, so I asked my prime contractor who employs me to help and his CPA was able to create the XXXX XXXX XXXX and balance sheet based on my financial information I provided, but it cost me {$1500.00}, which was a huge discount. As of Monday XXXX CST I have still not heard back from my loan officer after our discussion earlier in the morning of the status of my submittal and I am incurring costs to change my flight arrangements back to DC. My actual attorney has been communicating with me that not only is this unusual but it may also violate certain AI CAP rules. 

Since I have no contact with the actual underwriter, I still do not know how this will turn out and the seller may cancel the contract. 

Please help me gather the information that requires underwriters to request this type of information for a XXXX XXXX XXXXXXXX, sole proprietorship with an XXXX pass through entity in order to prepare my loan for sell off to XXXX XXXX or XXXX XXXX. This is the justification PenFed is using to request this type of information.
Consumer complaint received 2017-08-08
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: JPMORGAN CHASE & CO. (NC)

In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a Chase Amazon signature Visa with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 Chase Amazon application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. All applications were denied. All were applied under my old address. I have called Chase each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with Chase and Amazon around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just Chase Amazon, please Help this is ruining my credit.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

I have contacted the credit card company and the store the dispute is open with. CitiBank is refusing to talk to me over the phone to dispute. They are not disclosing information as to why I have not been credited. Citibank is refusing to credit a dispute with documented information stating a refund is owed. They are refusing to respond and are refusing to look at the claim further. I have contacted them biweekly over the last 8 months seeking a resolution. I have been hung up on constantly and been refused to speak with the team actually handling my case. This case started in XX/XX/2020 and is still in dispute XX/XX/2020. I have asked for managers and no one is letting me speak to anyone other than a customer service agent who is refusing to even waive the interest charges on a disputed item.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

On XX/XX/19 I responded to an online Citibank promotion to earn XXXX miles on XXXX XXXX after spending at least {$3000.00} within 3 months. I spent over {$13000.00} in the first month and paid it in full. When I didn't receive my miles I contacted Citibank on XX/XX/19. They informed me that I wasn't eligible to receive the bonus miles due to having had a Citibank card within the past 2 years. I informed them at NO time was I informed that I was not eligible to receive the bonus miles. When I received my credit card there was NO mention that I was not eligible to receive the bonus miles. They gave me another number to call ( XXXX ) to resolve the problem. I called and spoke to XXXX today, XX/XX/19, and she refused to give me the miles. 

My statement to her was that if they are able to determine I'm now not eligible to receive the miles they should have been able to determine this when I was submitting my application. This is very misleading on their part. If I had known about their bait and switch I would have gone with another company. 

Regards.
Consumer complaint received 2020-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I called at the end of XXXX to increase our Heloc so we could do our upper roof - we currently have a line of $ XXXX and wanted to increase it to $ XXXX. XXXX XXXX said to try to go for the max amount and we could always bring it back down so we did. I supplied all the needed docs within one week. I then did not hear back. I checked back with him and he said he was to try to get a closing date on XX/XX/XXXX. We then had another verification of employment done and were expecting a date shortly thereafter. I then received a call from XXXX XXXX the processor and she said she normally did not deal with these so she was not sure but the underwriter wanted to pay down some items even though our appraisal came in higher than expected at $ XXXX. We only owe about $ XXXX on our mortgage so even with the increase to the $ XXXX we have on the Heloc we were in good shape with loan to value. We agreed to pay off a credit card, I also closed a credit card I do not use and lowered the limits of other cards I have that we did not need that much credit on. I used to work in mortgage so I know how they work. I have yet to hear back with an offer of what amount is approved. We have very high credit scores and we also have a ton of equity and rental income in our rental properties. I have asked for the underwriting manager to review this as this does not add up. We had been approved in a week when we originally took out the HELOC. I would like this investigated as soon as possible as our roofing project has been put on hold since XXXX at this point. Thanks for your help in contacting them and fining them if need be for not addressing our needs in a timely manner.
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. XXXX and Equifax failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them