davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.
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 is missing that should be on the report
Company: Onity Group Inc. (OH)

WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
Consumer complaint received 2020-11-18
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: Prosper Marketplace, Inc. (PA)

I have a large purchase loan through Prosper. I am disputing the 30 day late payment that you recently recorded on my credit report. My bank denied the initial payment back on 10/3, suspecting fraud. I immediately reached out to your company to process a second payment. This was never processed on your end. The funds have been available, and a subsequent payment has been made and processed. I have also attached a bank letter from XXXX outlining the payment rejection and fraud claim. Please update or remove immediately the late payment that is currently showing on the account. I have made multiple attempts to reach out to Prosper customer care via email with no response. 
I would also recommend that Prosper send an email to their customer when they have communication of any kind on their account so that one can immediately access this information without delay. I never received any email communication regarding this issue and or a phone call.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

I am a Chase credit card customer with 2 different cards. In XX/XX/2022, I called in to ask if they could increase my credit limits without pulling my credit. I was told THEY COULD! A couple weeks later, I received a new credit card, which now having two of the same credit cards called in again. They pulled my credit AGAIN! I have filed 2 XXXX complaints and an Attorney General complaint regarding unauthorized credit pulls WITHOUT my authorization! My credit score has dropped and now I have 2 of the same credit cards with an increase of only {$1300.00}. I would like to file a formal complaint against Chase Credit Cards for deceptively pulling my credit without my authorization, derogatorily affecting my credit score, increasing my credit limits that isn't satisfactory, and having 2 of the same credit cards! I have asked several times both with a personal banker and with Chase 's Executive Relations office if the limits could be increased as a tenured customer of over 13 years!
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Linebarger, Goggan, Blair & Sampson LLP have sent documents demanding {$290.00} for nonpayment of approximately {$15.00} ( as best I can tell ) of unpaid tolls. Tolls should have been paid through my toll tag account as per their billing police with XXXX XXXX XXXX XXXX Repeated attempts to resolve the issue have not been productive. I am continually told to call somebody else or put on hold. Asking to speak to supervisor does not work it appears they simply find a phone to pick up and lay on the desk with no answer ( I can hear voices speaking in the background but nobody on the phone. The agency refuses to give me a reason for why tolls were not billed or I was n't notified of the issue. Instead they try to shift responsibility to their client despite they themselves giving their own phone number for resolution. I 've stated repeatedly that my purpose is to find a reasonable accommodation that simply does not amount to extortion, but have not desire to do so.
Consumer complaint received 2020-11-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (CA)

XXXX XXXX University manipulated me into registering for my 1st course, without properly informing me of deadlines regarding drop dates, as I dropped course a day after deadline and school advised me then that I had to pay full amount of course, close to {$2000.00}!! What a horrible situation, as I was unable to receive service from advisor related to having second thoughts in registering for class, but the advisor was quick to recruit and convince me to register. Its as if they are aggressive with communication until they lock you in. Very unfair business practice. Please have them remove me debt,
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing ( FCO ) is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX, & XXXX. Fair Collections & Outsourcing does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. 

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2021-04-26
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. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-02-28
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. (NY)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

My subscription to Macys Credit Card have hit hard on my impeccable credit scores due to careless errors by Macys team. My shopping bills in XX/XX/XXXX at Macys was charged to the credit card on a spot approval & subscription at the store itself. Firstly, Macys have failed to deliver the credit card and the statement, which I received only in XX/XX/XXXX after I have made the full and final payment on XXXX XXXX, XXXX. 

If it werent for not receiving the credit card statement, Id have an excellent repayment record. I have cleared the dues on XXXX XXXX, XXXX on the same day of receiving my lower credit score information, while consulting for a bank loan. Despite Macys customer care informing me the card has been cancelled, they have charged for non-usage of the card in XX/XX/XXXX statement. In spite of requesting for a statement on XXXX XXXX, XXXX with no response until XXXX XXXX, XXXX, I have personally visited the store on XXXX XXXX, XXXX to inquire. They informed me the balance is nil and issued me with a print out at the store. 

The initial amount was {$230.00}, while my payment was for {$400.00} due to the above mentioned details. It is unreasonable to have found from Macys customer service department that my credit card and statements were dispatched to wrong address and no email statements and text message alerts were sent to me either. The errors from their offices have made me land on a lower credit score of  XXXX in XXXX, XXXX from XXXX in XX/XX/XXXX, in spite of having maintained a spotless record of on-time payments. 
( Please review attached supporting documents )
Consumer complaint received 2017-10-17
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)

This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.
Consumer complaint received 2020-05-06
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. (CA)

I own only 1 credit card which I completely paid off in XX/XX/XXXX, and have not used card since. On XX/XX/XXXX, my FICO score on Experian increased to XXXX. On XX/XX/XXXX, my score decreased to XXXX due to short credit history. The citing of " Short credit history '' has never been cited before on my Experian account until I paid off my card. Oddly, the moment my score increased to XXXX, Experian began urging me to sign of for Experian Boost. After my score decreased to XXXX, Experian again urged me to sign up for Boost. I believe Experian artificially decrease my score so that I would sign up for their Boost service by linking my bank account, which I do not feel comfortable doing. I believe his is fraud. My car loan is always current and I have absolutely no collections or late payment. My credit to income ratio is low.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I do not recall missing a payment for capital one nor XXXX XXXX XXXX. I reached out to these two companies time and time again to help correct the error and I was informed that the matter would be handled accordingly. I was told that it was an error on their part and the issue would be forgiven. This has not updated to reflect on my report and I am pleading with you and to please correct the error.
Consumer complaint received 2017-09-09
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. (NJ)

Equifax has confirmed that my social security number and potentially other personally identifiable information were compromised by their XXXX 2017 security breach. I feel that they were negligent in the handling of my PII and possibly PCI data and should be held responsible.
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

I received a letter in the mail from ERC dated XX/XX/19 stating that I owe {$150.00} to XXXX XXXX XXXX. Account # XXXX. I called ERC and spoke with XXXX XXXX at XXXX XXXX on XX/XX/19 and stated that I have not had XXXX XXXX XXXX and they do not provide service to my address - there is not even the availability to obtain services fromt hat company. She stated that she can not verify me as they do not have my DOB or SSN. I said to remove this from my name as there are multiple XXXX XXXX ( very common name ). She indicated she can not do that. I'm reaching out to file a complaint as it's not fair to assign a debt to me that is not mine.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a capital one card in XX/XX/XXXX of this year. Right after a XXXX XXXX XXXX account showed up on my Credit Report that says I am negative XXXX. This is so wrong I never opened a card in XX/XX/2017. I have disputed this information and reported it to the credit bureaus with no answers. I can't get a mortgage right now due to this inaccurate information. If It was mine I would pay for it!!! I never opened an account at that time!! 


XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A. 

XX/XX/2017 {$2500.00} {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has received all Law Enforcement Documentation providing proof of Identity Theft. The credit bureaus have removed this account from their Credit files which they verified as Identity theft. In XX/XX/2013 my wallet was stolen, Inside my wallet was my Drivers License, Social Security card and even my address. After it was stolen I attempted to recover my wallet but was not successful. I notified the XXXX Police Department and the credit bureaus, XXXX, XXXX and XXXX. After receiving my credit reports I noticed an American Express account. I immediately called American Express to report the crime, the customer service agent had advised me this account was cancelled. I said I did not authorize this. He then transfers me to the fraud department whom states they will conduct an investigation. Once again after they verify the information it is proven to them the address they have on file I haven't ever lived at. I never lived at XXXX XXXX XXXX as they show in their system. I advised them of this information which they documented, I sent my FTC Affidavit to them, and also advised them the Bank Account used to make payments on the account was not mine either. This bank account was actually closed out as Identity Theft as well. So then the other day, I try to open my First American Express account. They open the account then a day later close the account, They try and advise me this is due to disputes. I asked what Disputes since i haven't even used the account yet. They stated they were trying to link the old fraudulent account to me still. They transferred me to fraud after I ALREADY advised them I had no relation to this account and that I thought American Express resolved this along time ago which they have not. So now they have also put an unauthorized inquiry on my credit bureau file with XXXX  because they choose to connect fraud to me. 

I want this account revoked from their system. I have never lived at the address that was on file for any cards with you. I did not provide authorization for any accounts to be open. You did not cancel a card on me because I haven't ever had one. You were notified of Identity Theft along time ago and just refuse to resolve it. Per the FCRA Law and requirements once you are notified of Fraud you have 3 days to block it or I can pursue legal action against American Express. Your fraud department never calls back and they don't actually review the information I have provided.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I opened a Business Fundamentals Checking account under the promotion of deposit {$20000.00} in 60 days and complete 10 transactions for {$500.00}. 

I went IN-BRANCH to a teller in XXXX XXXX, NV while on vacation to deposit my remaining {$13000.00} to meet the {$20000.00} requirement. While there, the banker verified that I had the {$20000.00} deposited and the 10+ transactions posted. I then have waited over 4 months for the bonus to post. 

I now finally have time to sit down and escalate this even further, as I have not been able to get this promotional bonus I earned.