davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I have reached out to Credence to understand this alleged debt. They have failed to provide any proof or contractual agreement with my wet signature showing that I indeed owe this debt. There were two dispute letters sent in XXXX and XXXX of 2020 and one validation letter sent out this year asking for documentation of this alleged debt. they continue to report negatively on my credit report but as of yet honored my request. They sent a letter in XXXX offering a discount settlement but they have not sent my any documentation of this account. I found this to be very strange and fraudulent. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

I have a mortgage loan that was transferred from XXXX XXXX XXXX to PHH Mortgage on XX/XX/XXXX. The final payment made to XXXX on XX/XX/XXXX included a principal only payment of {$3100.00}, bringing my mortgage balance down to {$280000.00}. That is also the balance due confirmed verbally by XXXX that was transferred to PHH. The balance due listed on my first statement from PHH is {$290000.00} -- exactly {$3100.00} more than the balance that PHH should have assumed. I contacted PHH Customer Service over a week ago and got no response. Meanwhile, my first payment has been processed by PHH and they are charging interest against the higher amount, not the correct amount. This is a blatant and unethical attempt by PHH to deceive the customer, and I doubt this is the first time this has occurred.
Consumer complaint received 2022-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

After reviewing my Best Buy/CITI visa statement, I have been getting charged a debt protection fee since at least XXXX of 2018. The accumulated total for those fees since XX/XX/2018 is {$450.00}. I never agreed to any type of protection service and I am not exactly sure when this fee started to appear on my statement ( I can only go back to XX/XX/2018 ). I recall a similar incident with Best Buy some time ago before the Best Buy credit card transitioned to a CITI Visa. I asked them to remove the protection and credit me back and they did. Today I spoke to Best Buy and they agreed to remove the protection going forward but a refund would have to wait 30 days to see if it was approved or not. So they have been charging this fee for nearly 2 years but I have to wait 30 days to see if they will approve crediting me back. There are no guarantees it will be credited back to me and from the research I have already done, it appears most folks are not successful in receiving a refund from Best Buy.
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (FL)

I am having a lot of issues with village capital mortgage company they never resolve your issues with what so ever if you request a supervisor they tell you that they will request it and that a supervisor will contact you in 24-48 hrs and they never do there good times are the wrist I have pictures names and employee ID of everyone Ive spoken too Ive been trying to make my payment for about a week now and they keep stating that they are trying to input my wifes bank information in to call the next day we have to stop working and try to get a hold of them the next day and they restate the same thing this mortgage company has very bad reviews everywhere you look them up this mortgage company should be shut down also when you call they transfer you to other departments with even XXXX get hold times me and my wife have been on the line from 1-3 hrs and then they have hung up on us this is ridiculous and we do not know who else we can contact so this problem can be resolved
Consumer complaint received 2021-05-08
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. (NJ)

I called transunion because i am a victumn of inquires placed on my account that i didnt not make or authorize, they told me they would not remove them, i need these taken off as it is unfair, not accurate, and simply need to be removed as they are not mine. I would like these removed asap, i recently called XXXX  and they removed everything false for me, idk why transunion is not doing their job to make sure my credit report is accurate.
Consumer complaint received 2020-10-27
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

XXXX, EQUIFAX and XXXX  is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES EQUIFAX is reporting 11 INQUIRES XXXX  is reporting 8 INQUIRES
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

The bankruptcy case is XXXX filed on XX/XX/2020. XXXX XXXX is listed in that bankruptcy and received notice by letter that this amount was included in the bankruptcy. In addition they gave approval for me to vacate early due to a cockroach infestation. I did not receive any communication prior to this being added to my credit so that I could dispute it. It was added to my credit as if incurred in XX/XX/2020 when I moved out before XX/XX/2020 and it was added to my bankruptcy when filed on XX/XX/2020. At that time this debt was no where on my credit bureau reports. However now it is on all my credit bureau reports in violation of fair credit reporting requirements for persons who filed for bankruptcy and where the entity owed was notified of the bankruptcy prior to credit reporting. I have attached some communication. I had already told XXXX from the beginning of XX/XX/2020 I would move out. He was waiting on the approval from the Corporate office, which he received and sent an email. The Property Manager of XXXX XXXX  had also sent me an email captioned move out statement in which the total was miscalculated. XXXX  XXXX  was well aware of my bankruptcy before submitting this to a collection agency and also intentionally submitted erroneous information to the credit bureaus.
Consumer complaint received 2018-02-27
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)

Experian is in direct violation of the Fair Credit Reporting Act. I have reported them on numerous occasions and have contacted a lawyer regarding a Class Action Suit. Their direct violation of continuously reporting erroneous information needs to be stopped. They have completed an investigation into the following account only after 3 days! This company has been contacted on various occasions and can not provide any direct link of myself to this account with any identifiable information : XXXX --  account # XXXX
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

XX/XX/XXXX I wrote a letter to Professional Adjmnt Co. asking them to validate the debt they stated that I owed them and they merely sent me a one page letter with a balance indicated without any information as to what this debt was for exactly. 

XX/XX/XXXX I advised them that they should not continue reporting this account without properly validating the debt. 

XX/XX/XXXX I notified them that they are violating the laws by not sending me necessary proof that the account belongs to me and that they in fact have a right to collect the debt. 

XX/XX/XXXXI took a closer look at my credit report and noticed this collection appears to be re-aged it's reporting XX/XX/XXXX( XXXX  ) and XX/XX/XXXX ( XXXX  ) which I am mistaken is a violation as well. I notified the bureau of this potential violation and the account continues to report.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION (KS)

BBVA continues to harass me about the credit card I have with them with threatening letters of delinquency when I have not had a late payment in the last 9 months. As I pay the card they continue to lower my credit limit claiming delinquency which is negatively impacting my credit. They continue to lower the limit to my balance to poorly reflect 100 % use of credit when I have been paying on time and my credit score is above their guidelines. They are purposely trying to bully certain clients. I feel they are targeting me since I have brought these issues up in the past. Monthly payments have been made on time via their online portal.
Consumer complaint received 2022-10-11
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: AMERICAN EXPRESS COMPANY (NJ)

I believe Amex is not following the Fair Credit Billing Act in arbitering my dispute with XXXX, due to its commercial arrangement with the merchant.
Consumer complaint received 2021-05-08
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. (FL)

On XX/XX/2021 I sent a letter to Equifax letting them know that there is an unknown account reporting to my credit without any creditor or collector identifying information. 

There is no name, address, or telephone number.
Consumer complaint received 2021-05-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE'NT RECEIVE ANY INVESTIGATION RESULTS.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I realized that lately every time I apply to open a Checking Account I get a letter DECLINED, and the reason they refer me is " due to negative information on your ChexSystem Report ''. 

So I ordered a report and I indeed did see that 90 % of Information is wrong, in particular a XXXX XXXX checking account which is reporting from XX/XX/2019 as a charge-off. 

I tried several times Disputing it with ChexSystem by sending them Dispute Letters and they never responded. Until they responded with a letter today saying that they verified with XXXX XXXX  that the account does belong to me. 


I believe there's no need for me to even go into details about all my phone calls with XXXX XXXX  and so on. THE BEST EVIDENCE THAT IT IS IMPOSIBLE FOR THIS ACCOUNT TO BE MINE IS TO SIMPLY GO TO XXXX XXXX  'S WEBSITE AND CLICK 'APPLY FOR CHECKING ACCOUNT ' the first question they will ask you is your zip code, and after I enter my Zip Code which is XXXX ( and ChexSystem also agrees my zip code is XXXX ) a message comes up from XXXX Bank XXXX WE DO NOT OFFER ANY PRODUCTS in your area. 

I will be attaching a screenshot from XXXX Bank showing this message hoping up if/when I try to Apply or Open a Checking Account. 
I will also attach my ChexSystem report, whereas you can see on the first page my ChexSystem R
eport Number, and you'll see the Negative Account which they are wrongfully reporting on it.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M1 Holdings Inc. (KS)

I opened an account with M1 on XXXX in conjunction with their referral bonus program ( XXXX XXXX XXXXXXXX ) which was offering a {$250.00} bonus for both parties if a deposit requirement of {$10000.00} within the first 30 days was met. After opening the account using a referral link, I deposited {$500.00} on XXXX  and {$9500.00} on XXXX to satisfy the {$10000.00} deposit requirement.

During this time, M1 apparently decided to end the promotion on XXXX Upon not receiving the full {$250.00} bonus, I contacted customer service via email and was eventually told that I did qualify for the bonus and would receive it by XXXX however the full bonus was never received after XXXX. After contacting their customer service about this, I was then told that because my qualifying deposit was received after the promotion was pulled, I was no longer eligible. This directly contradicts the terms of the promotion which state : " To qualify for the {$250.00} M1 Invest referral bonus, referred family and friends must sign up during the Promotion Period ( e.g., no later than XXXX XXXX XXXX  on the last day of the Promotion Period ) and make an initial deposit of at least the minimum required amount into a brokerage or retirement account ( Account Opening Minimum Amount ) within 30 calendar days of New User Sign-up Date and account approval and maintain that initial deposit amount for the subsequent 30 calendar days. '' Further followup via email with their customer service resulted in a response of : " However, the dates included in our promotional terms and conditions will no longer be valid once the promotion has ended. Therefore, since the promotion has ended prior to completing the qualifying deposit, we can no longer honor this promotion. '' In essence, I believe that M1 has put forward a bonus promotion to entice new customers to sign up for their service, then claim to have changed the terms of the promotion to avoid paying out the promised bonus even when a customer such as myself has satisfied the terms of the bonus promotion.
Consumer complaint received 2021-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (TX)

I refinanced the loan with another bank. The bank sent the check to upstart. It came back due to bank error. Turns out Upstart did not endorse the check and they have admitted to that ( I have the email ). It took 10 days to get a new check to them and now they are charging me an additional XXXX of interest and still they claim I owe them XXXX and additional interest accrues. This was their error yet and they admit to it but now they will not respond. I have also reached out to the General Counsel who said someone woould get back to me and no one has and i reached out to the CEO with no response. Unless you all can fix this and make me whole I will do something I do not want to do and take them to small claims court as well as look into a class action as I am sure this is not the first time this has happened Pretty sketch the check for XXXX was not endorsed.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My mortgage account with XXXX XXXX was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. XXXX acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, XXXX report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.
Consumer complaint received 2021-04-01
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: AMERICAN EXPRESS COMPANY (NC)

I requested a new card from American Express because my old card was suspected to have been breached. When they sent me my new card, they sent a the new card number to creditors who have automatic payments taken each month. In the process, they sent the new card number out companies that I did not have automatic payment withdrawn each month. Therefore, the card was placed in the payment section of accounts that I have no relationship with. My card information is all over the place. 

A charge from XXXX showed up, which I did not make. The contact number on the statement supposedly a XXXX number is a non-working number. As well, American Express place the new card in a XXXX account where all financial information had been removed because the account has been hacked and now I can no longer get into the XXXX account. The XXXX story is another saga in another complaint.
Consumer complaint received 2020-10-26
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. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2023-08-02
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. (NJ)

I noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX