davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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: Resurgent Capital Services L.P. (NY)

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 


2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft LVNVFUNDG Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

As of today XX/XX/XXXX, I spoke with my loan officer at CMG Financial to determine the status of who owns my mortgage, and where I'm supposed to send my mortgage payment for the loan I refinanced on XX/XX/XXXX as I only received 1 servicing statement for XXXX. On XX/XX/XXXX, I reached out to my old LO who said that the mortgage was sold to XXXX. After going to XXXX servicing website to look up my loan information I determined that both CMG Financial servicing and XXXX servicing uses the same system, XXXX. I have now called their support line at least 5 or 6 times and met with the same issue, they indicate my old mortgage was paid in full, and there's nothing else in their system. I've been told my wife 's social doesn't exist in their system, and no other mortgages are tied to my SSN. 

According to XXXX, the only mortgage with my SSN and property is the one that was XXXX in XXXX, it shows " Inactive ''. 

I did send a check to CMG Financial for my XXXX payment and they did cash the check, however they didn't pay my Homeowners Insurance and they are now threatening to cancel my insurance.

I'm very concerned about my credit, whether my taxes will be paid on time and my homeowners insurance. What do I do? I can't get a straight answer from CMG or XXXX... .so did CMG lose my mortgage? Help...
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alpha Recovery Corp (GA)

I have informed Alpha Recovery Corp that this debt does not belong to me via letter and dispute. I continue to get calls and mail about this debt. I have asked them to verify the unknown debt and they have not. I am on social security and can pay I debt that is not mine.
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This whole problem started when I had XXXX XXXX. My job was with them I paid them and when I least imagined I was with BANK OF AMERICA I was in arrangements with them when it appeared that it was no longer BANK OF AMERICA had  changed to XXXX XXXX XXXX 
I communicated with them and they sent me to XXXX. They have made fun of me all these years, they send me letters that I qualify for a modification, they ask me for documents, I send them to them and they spend months and I call and call and they tell me that it is in process. After several months they send me letters saying that the bank does not want to participate. I call them again to send some payment while they fix the problem and they tell me that they can not receive any payment until the modification is made.I have hired lawyers and lost a lot of money and do not want to participate. Then they come back and send me another letter that I now qualify and so I've filled hundreds of applications and it's always the same. So they keep playing with my feelings all the time.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a credit car with Bank of America. Once I received my first statement, I set up payment options through the online banking website, and set up an automatic payment from my bank to Bank of America. 

No automatic payment has ever been deducted from my bank account and applied to my credit card. I went online back in XXXX and attempted to pay my card via the website, but was not able to. I was able to pay via telephone, and began working with Bank of America to fix the issue with making payments from the website. 

Bank of America has not addressed the issues I have making payments online : I am not able to pay my credit card using the website, and I am not able to set up an automatic payment. I continue to receive an error that tells me " We can't complete your request at this time. Please try again later. '' ( attached ) The only way I can pay is to call in every month and make a phone payment, which is not how Bank of America advertises their service. 

Calls to the department at Bank of America that is supposed to be working on my issue are not returned, and no one I speak to on the phone is aware of my issue.
Consumer complaint received 2018-07-30
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. (GA)

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Consumer complaint received 2021-03-04
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-08-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (CO)

on XX/XX/XXXX i called stinger and stinger about an account they purchased that was charged off wanted to settle with them. on my XXXX credit report it says i owe as of XXXX   XXXX XXXX they said i owed double. They were suppose to investigate it and let me know what they found, but today is XX/XX/XXXX and still havent heard anything.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

On Friday, XXXX, XXXX, I went to XXXX and purchased 2 gift cards for my grandchildren for {$25.00} each. I inserted my CitiMC doublecash card into the machine. I had a XXXX promotional offer of {$10.00} off my bill and when I saw the {$10.00} come up I thought that was what it was for. I was wearing a mask and my vision is not wonderful on the small screen and I thought I was using the {$10.00} XXXX credit. When I went home and checked the CitiMC online account, I saw that they took XXXX off my rewards ( the equivalent of {$12.00} ) and gave me a {$10.00} credit off the XXXX  bill. 
I called up the company Monday, XX/XX/XXXX when they were open to ask them to reverse the points back and take off the {$10.00} credit ( XXXX XXXX XXXX ). I spoke to XXXX. She said she couldn't change anything. I asked for a supervisor and spoke to " XXXX ''. He said the new plan from CitiMC was a 'benefit ' ( not to me as a customer... it benefits Citibank XXXX. He said the best he could do would be to give me a one time XXXX point refund. I said I wanted the full amount reversed and to be charge the {$10.00} for the credit from XXXX. He wouldn't and said he'd send me to a supervisor. After XXXX minutes, the phone was hung up and CitiMC DoubleCash was done with me. 
I feel that this bank is taking advantage of people. If you use the points for a credit on your statement, you get the full amount. If you use it in a store, they charge you and waste my time looking at a screen instead of just buying something. 
I would like the charge of {$10.00} reversed and the XXXX points put back on my rewards ( the {$12.00} equivalent that they charged me ). I don't think CitiBank should be even allowed to do this with XXXX and XXXX as they want now. Consumers are hurt. The bank makes money. It's more red tape for the consumer. We need help with rewards that make money for us, not for other businesses. 
Thank you
Consumer complaint received 2018-07-30
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. (GA)

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Got 2 calls back to back. First call, I answered explained I made no deals with their company and told them not to call ir be reported here. 

Second call I explained I had told them NOT TO CALL AND WAS REPORTING THEM TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

On my credit report, I saw a negativeaccountfrom Affrim INC, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from XXXX XXXX ( the company Affrimsaid they sold the debt to ) that is a violationof federal law.I can assumethat both Affrimand XXXX know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow Affrim and XXXX are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX year old, disabled immigrant, all parties involved should be ashamed of themselves
Consumer complaint received 2018-11-01
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Date Opened : XX/XX/2013 Balance : {$3800.00}
Consumer complaint received 2023-04-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC (PA)

Greetings. A representative by the name of XXXX continues to call me from BMW Financial Services which is XXXX XXXXXXXX. He continually harasses me! I've asked him to stop. He called again today and I said to him " Please stop calling me! I don't owe you people anything! I've asked you to stop calling and it is illegal for you to keep calling me. I will be contacting the Consumer Finance Bureau to file a complaint ''. He stated " I'm going to keep until the dead is collected and I don't care anything about the Consumer Finance Bureau ''. I advised him that I will be filing a formal complaint and he said " I'm still going to continue to call ''. His name is XXXX and he has called me 23 times so far to date in each call is getting more and more aggressive and in a threatening tone. 
This amount they're stating I owe is from an end of lease vehicle, in which all balances were paid, and I purchased another lease on the SAME DAY I turned in this lease, as there was NO BALANCE OWED or due. I have documentation stating XXXX BALANCE. They have stated that they sent me the wrong letter which is the PDF form stating there is a XXXX BALANCE on the account. Additionally, this account was charged off XXXX of 2021.
Consumer complaint received 2020-06-05
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)

I received an email that my information was exposed in 2 big data breaches in 2018. The first one was XXXX and the second one was XXXX in the same year. I was wondering why I kept getting so many calls about stuff I had no idea what they were talking about. Then One day I got a call that my social security number was cancelled or something and I started giving them my information and like 20 minutes into the converstion I started realizing that it sounded like a scam, but by that time it was too late they already had my information. Next thing I know I saw my credit score drop like 140 points. I downloaded a copy of my report and saw that there was fraudulent information and incorrect information on my report. This is due to the identity fraud and I need this information removed asap!
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.
Consumer complaint received 2018-03-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Thaxton Investment Corporation (AL)

I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2022-10-15
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: Cascade CISS Holdings, LLC (CA)

XXXX XXXX has run an inquiry on my credit report at least three times in the last several months without my consent or knowledge. This has negatively affected my credit rating. Any assistance you can offer is appreciated.
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (NC)

Sent a certified letter to LexusNexis to show proof of their method of verification for validation of a Bankruptcy they have put on my credit report and the 3 other major bureaus use them as a source of verification. It has been over 60 days since I sent them this certified letter with no response.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2023-03-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

It has been over 30 days and the creditor has not updated the info or provided proof or documentation in regards to the late payments. The account is now in current status and I am requesting that the late payments be removed from my credit file. By law they must remove it immediately.
Consumer complaint received 2022-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

Date XX/XX/22 Amounts - XXXXXXXX XXXX XXXX XXXXXXXX debt cancelation agreement I was not informed about the XXXX apr Finance charge excessive XXXX My car trade in value should of been higher as well as deducted properly from my bill of sell. 
XXXX my car trade in value. 
They used a new method of deceit by vaguely going over my contract and having me signed electronic which gives me no indication that my signatures were for yes or no on optional items like the XXXX XXXX  and debt cancelation.
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (FL)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise. CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021, someone used my debit card at XXXX making two separate purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded him the {$1100.00} ( pending their internal investigation ). 

I have never received the replacement debit card and I believe the card was stolen from the mail on XX/XX/2021. Someone activated his replacement debit card and used it to make 16 separate XXXX  currency purchases and money transfers totaling {$6500.00} between XX/XX/2021 and XX/XX/2021. ( Using XXXX, XXXX and XXXX  ) I noticed it on XX/XX/2021 and immediately notified Bank of America requesting the card be canceled and opened a claim. ( Claim ID : XXXX ) I have my PIN memorized myself and never share the PIN with anyone. I did not authorize anybody to use my debit card. 

BOA rejected the claim on XX/XX/2021 and the reasons were following. 

The charge was authorized by you or by someone who has permission to use the card. 

BOA didn't provide any documents why they made this decision even after I requested several times. These transactions were not made by me and I didn't give my PIN or permission to anybody. On XX/XX/2021 I wrote a letter to BOA and faxed it to BOA. On XX/XX/2021, I wrote a second letter with more details and faxed it to BOA with FTC identity theft report. 

On XX/XX/2021, BOA again rejected my claim with the following reasons. 

We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

BOA could not tell me what more information they requested or what was incomplete. Different agents are telling me two different stories but one agent told me that there is no more document required. 

I filed a police report for theft and FTC report for identity theft.