davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (LA)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2020-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (OH)

After unsuccessful attempts to dispute a debt with XXXX  and Equifax, I initially contacted Tek-Collect, the debt collection company on XX/XX/2020. I advised them that the debt was paid in full to the original creditor XX/XX/2020. I provided them with a copy of the canceled check. They said it takes 2 to 3 days to verify and update. I contacted them again today XX/XX/XXXX because Tek-Collect updated dispute investigations with both credit bureaus as accurate and unpaid despite being provided proof of payment for the third time. The representative at Tek-Collect refused to provide a supervisor to discuss this matter with. She requested proof of payment again. She advised that they began working on this matter on the XXXX and still needs more time but had to estimated time for completion. She declined to take proof of payment again after being advised that they have received it several times.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

I have paid my bills on time and have a good relationship with my creditors. However, my new Amazon Store Credit Card issued by Synchrony Bank lowered my available credit by 20 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a XXXX XXXX  cashier 's check for a car reimbursement. I didn't have time to cash at XXXX XXXX so I went to my bank of america. I went to pls first and they were going to charge me so I put it in my account mobile deposit. It said the funds would be available the next morning at XXXX XXXX 3 days later I'm being told it's another 4 days untill they give me my money. They said it was XXXX XXXX didn't pay the money and I went to XXXX XXXX  and it had been paid for over 24 hour 's. I'm a single mother that lost everything due to XXXX That money was our rent in our extended stay and to buy a car. Were now locked out of our apt with no car. Bank of america still won't budge or even tell me why.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (AZ)

My loan was recently sold from XXXX XXXX to MrCooper as of XX/XX/XXXX. I had refinanced with XXXX XXXX in XXXX and they provided my original loan documentation prior to the refinance to MrCooper who now show my mortgage as being paid off. I can not pay my mortgage and neither XXXX XXXX nor Mr Cooper have done their diligence in this matter that I had no say in. 

I have spent a combined 2 hours trying to reach a human being at MrCooper. I even went as far as calling their new loan applicant phone number just to speak with a person, who then directed me BACK to the automated phone number i had completely navigated. Nothing you do in the automated directory will lead you to a person. Their online customer help chat is always either unavailable or has 0 response after waiting for hours due to " heavy customer volume ''
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

Rocket mortgage revised my loan estimate for a refinance and the closing costs went from around XXXX to XXXX. I was also promised XXXX cash out at close ( depending on appraisal, which has not occurred yet ), and this was reduced to XXXX. I tried calling the loan officer and he will not call back. I should get my {$500.00} deposit back because the appraisal has not occurred. I am furious that this is way off the mark of what was discussed.
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Hello Randomly was checking my credit report and discovered that there is a collection of {$51.00} XXXX by GENESIS CREDIT MANAGEMEN out of XXXX WA for an apartment rental application fee in XXXX XXXX, CA that I never applied for and never been in XXXX XXXX, CA Please note, I never received any phone calls or letters neither from XXXX XXXX neither from Collection Company regarding the pending amount due because they had fraudulent address and fraudulent phone number for me. I discovered myself checking the credit report and calling the collection company myself and we discovered that this debt and collection is posted on my credit report due to Identity Theft and Fraudulent Activity
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tower Loan of Mississippi, Inc. (LA)

XXXXTower Loans in XXXX XXXX XXXX XXXX of {$1200.00} was taken out under my name. I did not take out the loan, and my signature was forged. The company did not ask for a license to verify the name and exact person. They gave a loan to a scammer with my name, address, and fake number. I am filing a complaint because a license should be given for any type of loan. The company did not ask for a license to match the person getting the loan, which led to scamming me. The company is checking with corporate to see if they need to file a fraugelent paperwork and have it notarized. I am not complaining about the steps taken after the fact ; I am complaining about not asking for identification.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (CA)

Complaint Against : Harris and Zide This complaint alleges that Harris and Zide violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by filing a lawsuit against me without proper notification. 

Specific Violations : 15 U.S.C. 1692i ( a ) : The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written notice of their intent to collect a debt before taking any legal action. Harris and Zide failed to do so in this case. 
I never received any written notification from Harris and Zide regarding the debt or their intention to sue. 

This lack of proper notification prevented me from exercising my rights to dispute the debt or negotiate a settlement before a lawsuit was filed. 

I request that the CFPB investigate Harris and Zide 's debt collection practices and take appropriate action, including : Ordering Harris and Zide to dismiss the lawsuit against me.

Ordering Harris and Zide to provide me with a proper written notice of debt collection.

Awarding me any damages caused by the lack of proper notification.
Consumer complaint received 2022-07-19
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: Duvera Billing Services, LLC (CO)

I have been a victim of ID theft. XXXX is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with XXXX and submitted ALL the requested documents for fraud. 
XXXX is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

XXXX failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against XXXX XXXX guidelines. 

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT XXXX and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. XXXX leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet XXXX failed to do so. XXXX has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should XXXX 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however XXXX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

my name is XXXX XXXX and this a response regarding case cfpb XXXX about a complaint against wells fargoXXXX XXXX XXXX  i will like to request the last payment made on my account loan XXXX XXXX XXXX XXXX XXXX  XXXX XXXX., XXXX, XXXX, XXXX please be kind to comply with my request asap.. 
am requesting the last statement the show my last payment for the loan XXXX XXXXXXXX  XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was first contacted by Columbia Debt Recovery LLC DBA Genesis via email on XX/XX/XXXX about a debt they said I owed to a previous apartment I lived in ( XXXXXXXX XXXX  owed by XXXX ). They started calling my number and my husband 's number on XX/XX/XXXX. On XX/XX/XXXX I mailed a Debt Validation Letter via XXXX Certified Mail to their listed address and have confirmation that the letter was delivered on XX/XX/XXXX - in the letter it states " If I do not hear from you in 30 days of the date of the letter, then this matter will be deemed closed '' It also states " Stop all other communication with me and with this address. If your offices continue to attempt communication, other than to validate the debt, it will be considered harassment ''. Lastly it states " If you report it to a credit bureau ( or have already done so ) report that the debt is disputed. '' We stopped hearing from Genesis at this point until XX/XX/XXXX they started calling my husband and I again ( calls on the following dates in XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX ). On XX/XX/XXXX I called back and asked why they keep calling when I sent them a Debt Validation Letter to which they ignored. The person stated " this is a big company and I never got the letter ''. He then resent me the itemized statement via email. On XX/XX/XXXX Genesis reported debt to credit agencies.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

This complaint to JPMCB CARD for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2022-07-19
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. (MD)

There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed account.
Consumer complaint received 2023-04-27
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. (NH)

I,, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 2023-02-04
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: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; TXXXX 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 ; If the creditbureaus feel there is a possibility these items belong to me I will require all documentation that bearsmy signature ( another research item I found that requires you to verify with 100 % accuracy that eachitem is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nordoes my attorney. SO please comply with the law so this matter can be handled swiftly..
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I received a notice in the mail from Chase that my Chase IHG account is at risk of suspension/late on XX/XX/2024. When I logged onto the account I noticed that there was a charge from XXXX on XX/XX/2024 for {$95.00} that I did not make or authorize and Chase NEVER NOTIFIED ME of the FRAUDULENT charge!! MOREOVER, THEY HAD THE NERVES TO ADD A LATE FEE AND INTEREST CHARGE FEE ON TOP OF THAT CHARGE!
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

I got a notification on my XXXX app regarding my credit score dropping and a hard inquiry under my credit file from JP Morgan Chase bank. I immediately log into my chase account ( I bank with Chase ) and see a credit card that has just been added to my account. Called Chase and notified them that was not me. They started the fraud process and said they would be closing the account. They gave me XXXX 's number so called XXXX and added a fraud alert to my account along with started the dispute process for the credit report history.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

This complaint to AMERICAN EXPRESS for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

I am requesting a monthly breakdown of all charges and fees. 



GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX {$8200.00}
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (LA)

We were informed in XX/XX/XXXX that our escrow amount had changed significantly - increasing by approximately XXXX. I called the company to dispute this amount and spoke with them on several occasions. They told me that the issue had already been reviewed twice and escalated and that any dispute would need to be sent through their research department. On XX/XX/XXXX I sent a letter to their research department explaining that they had incorrectly calculated my tax amount because ( 1 ) they had failed to pay XXXX taxes as required ; ( 2 ) they incurred fees an penalties as a result ; ( 3 ) the amount used in the calculation included both XXXX and XXXX taxes as well as the penalties incurred ; and ( 4 ) they added an additional amount due to their third party provider telling them that XXXX and XXXX taxes were due. We received a letter stating that the issue is under review but that our escrow amount has not changed. Currently, my escrow amount it higher than my mortgage principal and interest. The escrow amount increased by 4x despite the actual taxes owed having decreased in XXXX. Everyone I have spoken to on the phone agrees that this is incorrect but they have yet to do anything to correct this error.
Consumer complaint received 2022-07-18
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. (LA)

I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.
Consumer complaint received 2021-10-08
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: CURO Intermediate Holdings (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.