davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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: EQUIFAX, INC. (CA)

On XX/XX/2020, I sent a letter regarding inaccurate as unknown hard inquiry 's on my credit report. Since, I have also disputed over the phone. To this day, over 60 days later, I have not been able to have then remove the inquiry 's that are not mine. I feel that I am being taken advantage of and my problem of them not being mine are being ignored. I demand these accounts be deleted or i will file for litigation. My information was also impacted by both the Equifax data breach and XXXX data breach as well.
Consumer complaint received 2020-10-23
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: ENCORE CAPITAL GROUP INC. (MA)

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted. 

COLLECTION {$2300.00}
Consumer complaint received 2019-06-07
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. (TX)

I have disputed the late payment status reported on XXXX XXXX XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-10-07
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: BRite Financial Services, Inc. (WI)

Brite Financial reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Credence Resource Management LLC contacted me via mail on XX/XX/XXXX with an Account Notification on behalf of XXXX XXXX XXXX XXXX ( creditor ). They stated the creditor authorized their office to accept a payment of {$200.00} to resolve an account for less than the full amount owed, savings of {$240.00}. I contacted Credence via phone on XX/XX/XXXX stating that this outstanding amount is not my responsibility. From XXXX to XXXX I worked for XXXX  XXXX  that was the primary account owner of the XXXX XXXX XXXX mobile corporate account for all employees. My existing cell phone number was ported into this corporate account which then was billed to the company address and paid monthly by the company, which additionally purchased and owned the devices. I was terminated from the company in spring of XXXX, the company sold the entire business two weeks later. I to get the company owners to authorize XXXX XXXX XXXX to port my number back to XXXX which was a new personal account for me in spring XXXX after leaving XXXX  XXXX. The device was returned to the company after they authorize the port of my cell number. I was never responsible for any financial responsibility on this account. The company no longer exist.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX ClaimXXXX  Amount- {$19000.00} I would like to see if I be able to get help. This is been going almost a year now. I called them to get the results, but no avail. I did everything they told me to. I sent all supporting documents, including ( Identity Theft Affidavit ). My XXXX is terrible. I hope I can get it resolved soon thank you.
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are Unauthorized I dont recognize them and they are affected my score
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I checked my credit report and found a collection item from I.C. Systems Inc. I disputed this with XXXX ( they removed the item ) and with XXXX ( they will not remove the item ). 

I have contacted a Lawyer and they will contact I.C Systems on my behalf. 

This is negatively affecting my credit which may result me being denied employment. This must be removed as I have not been contacted in writing and I DO NOT understand how I.C. Systems obtained my social security number!
Consumer complaint received 2022-04-06
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. (FL)

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was scammed through XXXX and my Chase bank account. I noticed that my bank account had XXXX over what it should have and realized someone made false reversal claims on like XXXX plus charges in my account that were charges to pay bills etc ( charges were legit and I made them ). I did not make these claims to dispute these charges so I called chase to let them know. 

Customer service was not helpful did not understand what I was talking about. 
The next morning I realized that XXXX dollars was sent via XXXX to someone named XXXX XXXX in 3 different XXXX payments. I did not send these XXXX payments. I was freaking out and called chase again and they opened a claim this time. 

2 months later I was laid off from my job due to the pandemic. I noticed that Chase reverse Ed my claim about the XXXX charges and now I negative XXXX . I called customer service again and they werent helpful they said they couldnt prove it was fraud. So now Im unemployed and beyond negative and dont know how I will pay for food or rent.
Consumer complaint received 2017-11-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing and its employee XXXX XXXX are continuing the same abusive servicing practices it was ordered to Cease and Desist. Do to the abusive servicing practices I canceled out the increased none negotiable loan modification with outrageous balloon payment then submitted a application for assistance to avoid the illegal seizer of my home until I can get justice in a court of law. As of today, I still have n't received a response. I have added the Consumer Financial Protection Bureau as a defendant to the lawsuit because they failed to take action against Ocwen Loan Servicing, and because of all the past quiet XXXX dollar settlements in agreement allowing Ocwen to admit no wrong doing which has allowed Ocwen to continue its abusive servicing practices allowing Ocwen to keep committing fraud against me to embezzle my home to enrich themselves while the CFPB shuffles its millions. The Consumer Financial Protection Bureau is not designed to protect homeowners from abusive loan servicing practices it is designed to receive millions in settles in exchange allowing Ocwen to admit no wrong doing when Ocwen makes false promises to clean up its act. The same old story! The same old quiet XXXX dollar settlements! The same old abusive servicing practices! The same old harassment! The same old demons running a muck! The same old family 's out in the streets with nothing left because of Ocwen manufacturing documents to be guaranteed favorable judgments to embezzle homes!
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

money was taken XXXX to XXXX in the amount of $ 12-14 per month although the money was being deposited by the SS Department on a monthly basis that required no monthly fee. Bank of America has refused to return my money in the amount of approximately {$1800.00} I have written them letters to try and resolve this issue, but they refuse to acknowledge their errors.
Consumer complaint received 2022-10-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc. (LA)

I applied for a XXXX loan XXXX third. Atlantic Mortgage never sent a loan estimate. They collected additional information for the loan XXXX XXXX through the XXXX We paid for appraisal XXXX XXXX Still no loan estimate on the seventh after we asked for it. The loan has been completely processed at this point. Lenders have to provide a LE within 3 days of application. They can not ask for additional info. They can not ask for fees before the LE is given. We ddi not know this at the time.
Consumer complaint received 2023-02-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I opened an account with Comenity Bank Wayfair in XX/XX/XXXX. My payments are due on the XXXX of each month. I submit my payments during the last week of each month prior to my due date. For the XX/XX/XXXX payment, I submitted my payment on XX/XX/XXXX. On XX/XX/XXXX, a late fee credit of {$40.00} was applied to my account. Today, I contacted Comenity Bank to inquire why I was charged a late fee for XXXX 's payment when my payment was not late, and in fact, paid 3 days early. The representative responded that he didn't know why I was charged a late fee. This is very disturbing, despite their correction as an applied credit. 

Further, I checked my XXXX credit report. Despite having a balance, this is a closed account. It appears that Comenity Bank is reporting an available credit amount of {$1600.00} which is inaccurate and erroneously contributing to the total available credit amount on my credit profile. My Comenity Bank statement shows an available credit of {$0.00}.
Consumer complaint received 2022-04-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I have been trying to repair my credit since filing bankruptcy in XXXXXXXX XXXX  2020, it was XXXX in XXXX 2020. I sent the discharge paperwork shortly after by email to Amerisave mortgage. Multiple times on phone conversations I requested they start reporting my payments. I was told the loan was not reaffirmed. I still make my payments every month and was told to contact my lawyer about the reaffirmation paperwork. I did and was told by him that he hadnt received any paperwork from Amerisave in regards to the reaffirmation. I was told by Amerisave that I had to request in writing to have my loan reaffirmed, to which I did and I requested a reporting of the legal fees I was charged by them at the same time I sent the request on XX/XX/XXXX of this year. I also emailed them a screen shot of the bankruptcy paperwork showing in the filing Amerisave was to be reaffirmed. I have been locked out of my online access for loan servicing since I filed bankruptcy and I have been told that it could take up to XXXX days for them to come to a decision on whether to reaffirm the loan or not. I get transferred around and leave messages requesting call backs that take days if at all to be returned. When I ask about escrow account balances Im told by some that I have to submit my request in writing and sometimes someone else may give me the information over the phone. Its ridiculous that I cant log into my account to check status of my account, or make a payment. I would strongly discourage anyone from using this as your mortgage company. Their service has never been good, even before the bankruptcy.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2021-11-17
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. (GA)

I am a consumer filing this complaint against Transunion because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Transunion has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

XXXX. Account Name : XXXX XXXX XXXX GEORGIA Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Transunion written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
Transunion has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (WI)

XXXX shows a XXXX delinquent bill to Goldman Sachs bank. It is listed as overdue since XX/XX/2022. I do not have any accounts or credit cards with goldman sachs. I have called goldman and verified that they do show a delinquent account in my name. They indicated that I needed to fill out this form to help them verify that it is a fraudulent account.
Consumer complaint received 2021-03-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MD)

I was counseled at closing on my home in XXXX that at one point my PMI would go away. 
Sometime in XXXX, when I had owned the house for 5 years, I inquired about removing my PMI. I was told that I needed to pay down the mortgage so that there was an 80 % loan to value ratio. After I achieved that, I was counseled that I could have the PMI removed. This answer was delivered to me after the bank rep " researched '' the answer. So I commenced to save and am in a position to pay down the balance so that I can remove my PMI. I inquired today with the bank about how close was I to removing PMI and how I went about initiating the process. I am told today that I will never be able to remove the PMI and that the payment will carry with life of the loan.
Consumer complaint received 2022-10-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

This is the third time I've reached this company and the second time I've submitted a complaint. They have yet to respond. 

They have reported me as delinquent on a lease that was not mine. I have provided proof back in 2021 that this debt is not mine. I have contacted the credit agencies and they have removed the debt collection ; then these XXXX  at Hunter Warfield continue to call me regarding this debt, and reported me as delinquent AGAIN. I have provided proof AGAIN, and have not heard back from these XXXX regarding this debt. 

I don't understand what is so difficult. The name does not match my name. I have provided ample evidence - a passport, my DL, a pay stub, my birth certificate. These morons even have the application that shows a DIFFERENT NAME, and yet they still insist that I am the person who needs to pay this debt.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NV)

For the last 2 months I have received emails about a prepaid card from XXXX with the last 4 digits Card ending in XXXX. I do not now nor have I ever had this card. 

I have gone to every link on the email to try to reach someone and all I get are recorded messages. I went to their contract us section and the give XXXX numbers for American Express ( XXXX ) and XXXX but both the phone numbers are recorded messages. I have listed to all the messages and not one of them ever allows me to talk to a person. One mentions XXXX XXXX bank then goes on to mention what sounds like " XXXX '' money and then a little later talks about XXXX. 

I have tried to get an address for them but have yet to get one. 

I need to get this account closed and out of my name as it is fraudulent and not mine. I did not apply for it.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.