davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I recently looked at my credit reports and noticed that this GMAC MORTGAGE reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm disputing my credit report due to identity theft, and while XXXX and XXXX removed the fraudulent accounts, your bureau still reports them. Without a police report or fraud affidavit, I ask you to verify the accuracy of these accounts ; if uncertain, please remove them. Additionally, the reported bankruptcy is inaccurate, with no judgment or case. Remove it promptly to avoid legal action, as discussed with my attorney.
Consumer complaint received 2017-10-31
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: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding LLC is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with Encore XXXX XXXX  XXXX XXXX who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

My Name is XXXX XXXX, My friend banks with Chase bank. I received money from winning a game and i used her XXXX to recieve my winnings. This amount was accidentally deposited to her bank from her XXXX. She called her bank and asked for a refund because it isnt her money by law. 
The bank refused to reverse this transaction and im extremely mad because i needed this money to feed my kids. Please do something about this!
Consumer complaint received 2017-10-30
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: Consumer Portfolio Services, Inc. (CA)

It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
Consumer complaint received 2017-10-30
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. (NV)

I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

XXXX and Equifax need to delete this information immediately.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-06
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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Consumer complaint received 2017-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paris and Paris, LLP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Case # XXXX We are doing a short sale on this property, to which the attorney, Paris and Paris LLP, has attached a judgement on behalf of their client, XXXX. We have called the attorneys office every day for almost 2 weeks with no response whatsoever. We have left no less than nine voicemails, each with our phone number, and have received no callback. 

Is there any way you can have them call us back? We are just trying to have someone at their office reach out to us so we can move forward with the short sale. 

The attorneys contact information is listed as : XXXX XXXX XXXX XXXX XXXX Paris and Paris LLP XXXX XXXX XXXX XXXX XXXX CA XXXX Ph # XXXX Attached is our authorization to speak to the attorney on behalf of the homeowner, and a copy of the judgement. Thank you so much for your time.
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I called Chase Bank concerning the annual fee for my credit card at the end of XXXX. The customer representative said that my fee could not be waived but told me that I would have up to 90 days to close the account if I did not want to keep the card. When I called in on XXXX XXXX to cancel the card and get my annual fee refunded, they said that they were unable to refund the fee. When I told them that the representative said I had 90 days to close the account and get my fee refunded, they were unconcerned and unhelpful.
Consumer complaint received 2017-10-30
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: Experian Information Solutions Inc. (UT)

I am filing this complaint for because Experian has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. Experian confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX {$7100.00} XXXX XXXX Bankruptcy # XXXX I wish to clarify that I have not file for bankruptcy, and to support this claim. The XXXX XXXX XXXX confirmed they do not furnish information to any third-party including credit agencies. If any Credit Agencies states that they did not received my personal information from a secondary agency is a violation of the Fair Credit Reporting Act to report false information I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists. 

According to the Consumer Law 15 US Code 1681 Section 602 ( A ) States I have a right to Privacy. 15 US Code 1681 US Section 602 ( A ) 2 A Consumer Agency can not furnish any data on my credit report without written instructions. 15 US Code 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items. 15 US Code 1681 S 2 A 1. A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US Code 1681 I5 the consumer reporting agencies are supposed to modify accounts that aren't reporting accurately.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

Experian and XXXX need to delete this information immediately.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

Professional Adjustments is representing XXXX XXXX in collection of a doctor 's bill. They will not cooperate in correcting this error. They reported that a bill for {$320.00} is owed. It appears on my credit report and is very damaging. I do not owe the bill and when I called them they said they did not place it in collection, although it is their name, address and phone number referenced on the report. Their rude, ignorant attitude is unbelievable because they will do nothing to correct the situation XXXX call credit bureau ). It is causing havoc in my life as I am buying a new house and will cause a higher rate if not corrected. The physicians who use them should realize the horrendous customer service they provide.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MI)

I filed bankruptcy several years ago and after going through 8 mos. XXXX with Citimortgage, they finally did a loan modification for me, after " losing, misplacing or throwing away '' the XXXX set of about XXXX pages of my financial info I had faxed to them. I have XXXX high interest credit cards & have been turned down twice for loans, one at my own bank. Two years ago I needed a new furnace & could not get financing for that : had to buy space heaters & it was a cold & very expensive winter. I got copies of my credit reports & find that my mortgage payments are not being reported, though I have made a real effort trying to rebuild my credit history & I believe every one of my mortgage payments since the modify have been on time or days early. I called the lawyer & he advised me that I would have to reopen the bankruptcy to change anything, though the papers clearly show I intended to retain my car and my house at the time. Citimortgage says I could re-do my loan to get them to start reporting. I am not paying anyone, courts or Citi any money for them to do what they should have been doing all along. They get my money every month as agreed ; I deserve to have it reported, retroactive back from when I redid my mortgage loan. I also requested a " simple '' list of all payments made to them since the modification & I have attached one example page of what they sent me. I need something similar to what it would show on a credit report-when it was due, when it was paid, not all my tax info, my interest info, etc. that is no one 's business but mine. They closed my complaint as if they had resolved this. I sent an email to the woman working on my case telling her basically " thanks for nothing '', that nothing was resolved and that the list of my payment history was totally unacceptable. I got another copy of payment history which was a bit clearer to read, but still gave way too much extra confusing and personal information about my mortgage. They just chose the lazy way out-something they could get out of a computer. The reason the one page from the bankruptcy that I attached looks weird is that something got spattered on the corner of the paper, so I tore if off & put another page of the bankruptcy under it at the top.before copying it.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (IL)

i made a promotional purchase on line and paid XXXX for the product on XX/XX/2022 but was emailed four aditional charges of XXXX and XXXX dollars all showing i purchased XXXX XXXX XXXX i contacted the company and was not able to get a response.
Consumer complaint received 2017-10-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (RI)

I 've received multiple calls and faxes to my place of work from National Enterprise Systems ( XXXX XXXX ). The calls are regarding outstanding debt ( student loan ) from XXXX. I 've called multiple times to confirm that they ( NES ) have the wrong person, yet they persist on  calling/faxing my place of work. I also contacted XXXX to confirm that I do not have any outstanding loans through them, and they confirmed I did not.
Consumer complaint received 2017-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (WV)

For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. 

I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. 

Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? 

The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.
Consumer complaint received 2017-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (TX)

Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX! 
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same. 
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!
Consumer complaint received 2017-10-31
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 (WA)

I was going to XXXX on vacation. So on XX/XX/XXXX I set up automatic bill pay on my Alaska XXXX credit card through BOA. I was told that the auto pay would not go through until the following billing statement. They told me I needed to do the XXXX payment by phone. So I did. 

BOA took {$2700.00} out of my checking account on XX/XX/XXXX by phone. They also took XXXX out of my checking account by auto bill pay. ( even though they said that would not happen ) BOA only gave me credit ONCE for {$2700.00}. 

BOA has been holding onto the other {$2700.00} since XX/XX/XXXX. I have tried to contact them numerous times by phone and by messages. 

It is nowXX/XX/XXXX. BOA still has not given me back my money or credited my account. 

If this was they other way around they would be charging me a late fee, they would be charging me 26 % interest etc! 

I am very upset with BOA This has to be illigal!!!
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, I decided to increase my credit lines and applied to several banks and was approved by all of them. Bank Of America was one of them. I received modest lines of credit on a XXXX and a XXXX. I used both cards and paid them off immediately in XXXX. In XXXX I used both cards again. The cards had 0 % balance transfer offers and I made balance transfers to both in order to lower my interest. Within 2 weeks of completing the transfers, Bank of America sent me letters for both accounts stating that they reviewed my accounts and closed them due to having inquiries on my credit report as well as the balances were too high ( under 30 % ). I believe that Bank of America is a predatory lender who is looking to coax people in on special offers, then they close the accounts and charge them high interest until they pay them off. I am going to press them to see how high the interest goes and when I get the amount in writing, will pay them off ( since i have plenty of cash in my account to do so ) and then will look to sue them. 
This " bank '' even petitioned me to be on their VIP customer list. If you are with Bank of America, you should close your account and move it to a bank that is interested in keeping customers and building relationships. This bank is run by crooks.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,