davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-30
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Critical Resolution Mediation LLC (IL)

I have been contacted by multiple XXXX party collection agencies stating I have outstanding XXXX 's which were bought by their company.They refuse to give me any information or validTation of debt.The collector stated I was sent a letter and that is my validation. 
He demanded I pay him @ that moment.The original creditor was XXXX XXXX XXXX from XXXX/XXXX/12. The collection agency is XXXXCritical Resolution Mediation. I stated I would check with bankand get back to him.The company called me 3 hrs later he wasgiving me until XXXX that night and he was going to call my bank and drain my checking and savings. He kept reminding mewe were on a recorded line. I advised him to move ahead. The collector preceeded to tell me I should not be taking out loans, Iam not going to pay back.
Consumer complaint received 2020-04-25
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. (GA)

I have reported to XXXX  and Experian and XXXX  that all accounts I have requested to be deleted I have submitted, all identity theft reports and police reports to cfpb that close account and forward all information to FTC, i have contacted FTC about cfpb forward the identity theft reports that were uploaded to cfpb FTC stated that they have no info report from cfpb / I HAVE SENT CERTIFIED MAIL TO ALL 3 CREDIT REPORTING COMPANY XX/XX/20 TO DELETE AND REMOVE ALL THE FRAUD ACCOUNTS CFPB NEVER FOLLOW UP AND CLOSE THE DISPUTES. I HAVE BEEN VICTIMIZE AND CFPB NEVER MADE THE 3 CREDIT REPORTING COMPANYS REMOVE ALL DEBTS THAT ARE FRAUD AND FOLLOW THE CONSUMER RIGHTS NEVER FOLLOW UP WITH ALL CERTIFIED MAIL DATED 38 DAYS WITH NO RESPONSE..
Consumer complaint received 2018-06-21
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: CITIBANK, N.A. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # XXXX
Consumer complaint received 2017-09-13
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. (MN)

I had fraud accounts on my credit report and I informed Equifax several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Credit File # XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$12000.00} XXXX/XXXX/XXXX {$12000.00} CHARGE-OFF {$12000.00} Reason for disputing : Fraud Account, I contacted the XXXX XXXX XXXX and said they cleared me from responsibility on this account however Equifax is still reporting this account. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX DAYS PAST DUE {$500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX XXXX XXXX XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$6500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$1300.00} XXXX/XXXX/XXXX {$130.00} PAYS XXXX DAYS Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX and XXXX, XXXX XXXX I have never been late on this account. 

XXXX XXXX Hide Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$5000.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never been late on this account. 


Fraud Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

I became past due on XX/XX/XXXX due to loss of job and income. Immediately upon learning and going thru this hardship I reached out to Mr Cooper for mortgage assistance and applied for modification on numerous times only to be denied over and over for numerous and false reasons for denial. Most recently I applied for mortgage assistance on XX/XX/XXXX and immediately on XX/XX/XXXX I was declined for modification assistance. Per the the lender they mentioned the reason for modification denial was my mortgage payment would increase and they could not achieve an affordable payments based of there guidelines. I feel this is information is negligence of Mr. Cooper and its investors for not assisting me. I feel Mr Cooper did not properly review my account in the one week they had it. When I submitted my financial I showed an available disposable income of {$380.00} which is sufficient to afford my payment in the event my payment was to go up. I have calculated an estimated modification terms, I owe for XXXX of {$140000.00} and I'm past due for {$100000.00} which is a total of {$250000.00} if Mr Cooper extends my terms to 480 months and reduces my rate to a current market Conv rate of 3 % my P & I payment would be {$890.00} which is lower than my current P & I payment of {$990.00} which stands as a predatory rate of 7.720 % - Mr Cooper stated they participate in the Flex Modification which when I looked online and after speaking to a Mr Cooper representative the program allows for 480 Term extension, Reduction of interest rate and unto 20 % balance deferment but Mr Cooper refuses to help. In addition, while under review the Mr Cooper and performed dual tracking while reviewing me for loss mitigation has had a sale date on my home I believe this is dual tracking of foreclosure. I have also asked Mr Cooper for the XXXX results showing proof on their calculation how they came up with this denial but they refuse. Mr cooper has failed to help me with any covid-19 programs eighter
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (MO)

I have contacted the company multiple times. I have called, sent letters, faxes, and filed disputes. I have proof that all payments were made on time. The loan was paid in full of XXXX of XXXX and closed. They finally corrected my credit report at the end of XX/XX/XXXX and then in XXXX of XXXX reversed it and put the 30-day late payment back on my credit report on a loan that is closed. This is hindering my family from moving forward with any financial movements. Dovenmuhel Mortgage says they will remove it and will respond but then they never do.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am a victim of identity theft. Someone opened a fraudulent Kohls credit card account in my name using my personal information and identity. The credit card account is fraudulent and unauthorized. The fraudulent account has been opened since 2017. The Kohls credit card account is fraudulent and I did not apply for the card. Its a fraudulent account.
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OK)

Original Creditor : Citibank NA Current Creditor : XXXX XXXXXXXX XXXX  XXXX In 2017 I was married and my then-spouse used my non-public personal information to open multiple credit cards, bank accounts, and other loans. One of these accounts was with Citibank Citi XXXX  card. I was not aware of the debt until he defaulted on the card. When it was discovered, I immediately notified Citi of the spousal identity theft. They sold the debt to XXXX XXXX which is who I am filing this complaint on. I have completed their fraud packet no less than 4 times which is identical each time. When they receive it from me along with all of my documentation, they send the debt to a new sub-contracted collection agency to attempt to collect the debt again. You can never speak to anyone directly at XXXX. They are ignoring my fraud/identity theft packet and continuing to attempt to collect a debt that is not mine. This has been going on 5 years now.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

discover offer my, one year 0 interest with 2 % fee transfers, my bank XXXX XXXX offer my same offer, I decided transfer to my bank, my bank pay to discover {$5000.00} dollar for the total, but '' discover charge another {$5000.00} dollar, total {$10000.00}, after 2 month and many time to call all and they toll me they send a check to my home, that is 2 month ago, discover continuable lying to me and not send any check, they damage mi credit, my My score credit was XXXX, now for this problem is down to XXXX, discovery doing this action wend someone no continue used they credit card after the one year offer. I Ready speaking with a supervisor name : XXXX : phone : XXXX XXXX XXXX, same problem, lying to me
Consumer complaint received 2020-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coastal Credit, LLC (SC)

Coastal Credit LLC Is reporting a auto loan of {$19000.00} to the Credit bureaus XX/XX/2020 as a collection/charge-off. I also have received a letter saying I am past due in monthly payments. I do not owe this debt. I have not received any verification of ownership, auction of vehicle, invitation to come to the auction to retrieve vehicle. I also have not received any official loan agreement that says this belongs to me. This unidentifiable error has caused me hardship and cause my credit score to steadily drop.
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank falsely advertised no interest purchase option, I have paid all but 1 payment, they make it very difficult to pay with their online system and have no autopay options : they continue to call and harass with threatening messages and have contacted me at work even though I have never authorized them to do so. They are practicing usury and should be held accountable ...
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (SC)

{$230.00} ( XX/XX/2024 ) I deposit my paper check on cash app before XXXX was told it will take XXXX business. I been talking to cash support for going on a week no help no resolving the issue for a week. Was told XXXX different time frames when I could receive. It is XX/XX/XXXX It been dam near waiting to receive my deposit for a week. I even called the cash app support number and ask to talk to a manager but they dont have no higher ups. It just people in cubes passing the phone around.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX XXXX {$5400.00} DEPTEDXXXX XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

TU is reporting a false or fraudulent account in the amount of {$780.00} to a company called XXXX. I have never agreed to any account with this company, and if there is a signed agreement it is fraudulent. TU reports it verified this account, so I would ask TU to provide the written agreement with XXXX with my signature that they saw. As this is the only way they could claim to have verified the account. I dont want to hear anything about how they asked a data processor or someone BS like that. Show me proof of my signature on an agreement with XXXX.
Consumer complaint received 2018-06-21
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. (TX)

I called Experian to explained that I have 36 inquiries on my Credit Report and I did not apply for Credit at any of these companies. I spoke to the Fraud Department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I sent an email to the President of Experian explaining that I did not make these inquiries and I have a fraud alert placed on my account. 
I also have a Collection Account that I know nothing about. XXXX XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX that does not belong to me. This should also be removed.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

Hyundai Finance is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (SC)

Our mortgage is a XXXX XXXX loan serviced by AmeriHome. 

For the past three weeks, we have been trying to apply for forbearance under the CARES Act. We continue to receive different answers to our questions, specifically, when asked how long can we apply for forbearance we are told 90 days only. When asked about credit reporting that we are in forbearance, we have been told that there is no reference of forbearance reported to the credit bureaus or posting of such on our credit reports by one staff member, that there will be posting to our credit reports signifying that the loan is in forbearance by a different staff member. Both my wife and I have worked hard to achieve and maintain excellent credit and don't want to do anything that impacts our ability to borrow, increase interest charges, or impact our credit scores. 

Can you please advise if we are entitled to initially request a 180-day forbearance term under the CARES Act on a XXXX XXXX mortgage, and if the loan servicer is mandated or allowed to report the forbearance status to the credit bureaus? 

Thanks
Consumer complaint received 2020-07-17
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. (NJ)

On XX/XX/XXXX, once I pulled my credit report from credit engine XXXX, I discovered an unknown account on my credit report. 
Going over I found out that the auto loan with XXXX XXXX   reporting on it was not mine. On XX/XX/XXXX, I filed an Identity Theft Police Report, On XX/XX/XXXX, I started my journey of disputing inaccurate information on my credit report. The time went by and I got removed the account on XXXX and XXXX. Unfortunately, I am still dealing with Equifax, they have been refuse to remove the same account that has been already removed with the other two credit bureaus. I recently, on XX/XX/XXXX filed an amendment to the previous Police Report with the specific auto loan on it. By the way, there is actually a law firm name XXXX XXXX XXXX XXXX bringing a judgment on me regarding the above mentioned account. On XX/XX/XXXX, I filed a complaint thru FTC website that I mailed on XX/XX/XXXX and delivered to Equifax on XX/XX/XXXX. 
I am now using my very last source to contact the CFPB for help, that account is affecting me very bad.
Consumer complaint received 2024-02-21
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/2023 XXXX XXXX  XXXX2023 XXXX XXXXXXXX/2023 XXXX XXXX XXXX/2023
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was reviewing my credit report and Portfolio Recovery ASSOC account was listed on my report and I reached out to this company to provide me details on this account and they were unable to verify my information and I never received any notice from this company. 

I do not have any contracts with this company they should not be reporting on my credit file without verifying that the account and balance is accurate and is truly mine! 

I share same exact name as my father and son and they were unable to verify my information correctly via telephone and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information and I have no contract with this company and they are on my credit report and they didn't even send out any notices pertaining to this account. 
Unfair! 
Against the law! During a global pandemic even worst.
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

Home purchase closed on XX/XX/2019. Escrow account was set aside to cover repairs. Repairs were completed over a month ago. The appraiser came and inspected them and told me everything was okay and that the information would be sent to the bank. 

The lender will not return calls so we can have the money released. I need to pay the contractors. 

My real estate agent and I have made over thirty calls, messages and texts to the loan officer, loan office manager and national office trying to get someone to release the escrow funds. We got sent in circles with no satisfactory response. No one returns calls. 

My real estate agent is a retired loan officer who says that Freedom Mortgae is acting in a negligent and criminal manner.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (MO)

In XX/XX/2018 I've been trying to work out an arrangement with XXXX XXXX, Ideal Image and I have kept up my end of the agreement. I have been making payments as discussed in XXXX and moving forward, the problem that I'm having is that they are still charging me late fees of {$37.00} every month even after I have been making my payments and reporting it to my credit report that I'm late, as per the arrangements I've been making my part. So now i need to know what are we going to do to make this correct? I was also told that my account would be fixed after making the necessary payments. I'm just trying to get my credit back where it needs to be so that I can get back on track and buy a house. I've been trying to work with this particular company and their not really helping me with my credit. Is there any way we can get this resolved so that my credit is not tarnished?