davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (SC)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX BANK ACCOUNT XXXX XXXXXXXX I am writing to request the immediate blocking of fraudulent information on my credit report related to the account referenced above, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I am a victim of identity theft, and this account was fraudulently opened or used in my name without my knowledge or consent. Attached to this letter, you will find the following documents, as required by the FCRA. 

In accordance with 15 U.S.C. 1681c-2, I request that you block this fraudulent information from my credit report and provide me with written confirmation once this has been completed. Please also notify the furnisher of the fraudulent information about the block, as required by law.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  BALANCED {$290000.00}
Consumer complaint received 2022-04-23
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: CAINE & WEINER COMPANY, INC. (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported two account to the credit bureaus for monies I dont owe, these accounts are over XXXX XXXX XXXX. These accounts were removed once and the credit bureaus Experian, XXXX and XXXX has allowed this debt collection company to report these accounts again which violates my right as a consumer. Medical data is a juke buying debt company and XXXX owe them nothing. These accounts are not legit and I want them off. I will be contacting me an attorney if these accounts are not completely removed from Experian, XXXX and XXXX credit file immediately
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

My name is XXXX XXXX, a federally protected consumer, and I AM MAKING THIS COMPLAINT AGAINST CHEXSYSTEMS for furnishing inaccurate information to my consumer report. It is imperative that ChexSystems always has the most accurate information in my credit file at all times. By furnishing these inaccuracies, ChexSystems is in direct violation of 15 USC 1681b ( a ) ( 2 ) because ChexSystems has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX. Please delete the following inquiries as well, since no consent is identity theft. I never gave any of these companies or Chex Systems permission to furnish these fraudulent inquiries. I DID NOT AUTHORIZE, BENEFIT FROM, NOR CONSENT TO THE FOLLOWING INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (AZ)

My report 's list of inquiries and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiries listed below. 
INACCURATE NAME : 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 XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (OH)

complain was : I purchased a XXXX premier package from this company and spent several weeks and at least 15 to 20 phone calls getting them to do the job I paid for. I was assured my dispute would go out within a certain timeframe, three of them did, three did not. In addition my disputes were not customized based on the documentation I uploaded to the company. When the work was finally done Lexington would not provide me with a copy of the actual disputes they had submitted. As a result I have zero proof they actually completed the work paid for. They sent me a string of numbers and claims this was the dispute, and that they could not actually provide a written version, however this seems incredibly unlikely. The end result being that obviously my Negative and invalid credit Reporting remains on my credit report. I feel this company has failed to deliver the services that promised on multiple levels outlined above. I was billed twice XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX My invoice # XXXX My client ID I did file a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Complaint ID XXXX. The company responded and claimed to have sent me the disputes, however what they actually sent me was a string of numbers. When I reached out to them it They were continually unable to provide them. Additionally in this complaint the main issues Im not producing the work, the duplicates and excessive billing, and the late delivery of work if it was even completed were never even addressed. Regardless the XXXX XXXX XXXX saw fit To flag this complaint as resolved even though it wasnt and I am extremely disturbed. I reached out to the XXXX XXXX XXXX by fax and expressed my dissatisfaction with the fact that they are A consumer protection bureau and it seems to me that they are covering up for this company in that this complaint was closed without the issues even been resolved. 

I feel like I was definitely scammed by this company and want some resolution My key issues outlined in this complaint were the inability to verify work, And double billing, And late submission of work if it was even completed.
Consumer complaint received 2022-04-01
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. (PA)

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (TX)

I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX XXXX responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by Synchrony Bank/Lowes be deleted. I logged complaint # XXXX on Synchrony Bank/Lowes XX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner. 

I do see where XXXX sent the same request they always send to Synchrony which is asking them to verify the debt, and yet again Synchrony sent back a letter saying it was verified. 
I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! 
IT IS THE SIMPLE MATTER THAT SYCNCHRONY LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. 

I initially logged my CFPB complaint on Synchrony/Lowes XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. Synchrony also mailed a copy of about two or three statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. 

Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (KS)

Hello my name is XXXX XXXX and I have a mortgage through PNC bank my account number is XXXX. I was on the forbearance program due to Covid. I have recently lost income. I now have a new job. And I am going through the process for a Loss Midigation application. My single point of contact has been changed and I have no way to make a payment on my account or speak to a representative. When I call any number at Pnc bank it directs me to a voicemail without an option to speak to a representative. I wish to make a payment on my account and am not able to do so or get an answer back on my loss Midigation application
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MD)

My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports.

I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

- I would like a senior executive member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

In XXXX, I found out that my Synchrony Home Credit Card credit was being lowered due to outstanding balances/revolving debt. This is due to Covid 19 and the fact that my money seems to come when it feels like it. At minimum, I am making payments on time. On XX/XX/2021 when I went on Synchrony Home Credit Card 's website, it indicated that my account was closed. What is going on? I am being penalized for paying on time or paying the minimum balance? If this company really looked at my credit, they would see that I am paying down my debt and they are next. I really do not think that this is fair considering that I never missed a payment but I am being held accountable due to Covid 19.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (CA)

To whom it may concern : On XX/XX/2022 A loan officer name XXXX XXXX working under the company Home American Mortgage company emailed me with a subject on all Capital letter and bold letters to lock my loan. He didn't even send me a breakdown of numbers how much my monthly mortgage, and other expenses involved. There's no documentation, no explanation, and I didn't even get a chance to ask questions about any type of loan, if I can buy some points just to lower down the interest rate. He just want me to close my loan or lock my rate. I was on vacation at that time and I felt he rush me to lock the rate even if I already told him I am currently on vacation. He still keep bugging me, calling me at night and texting me without asking what will be the best time to call you.I will attached a copy of the email down below. 

On XX/XX/2022, same loan officer XXXX XXXX called me to lock my loan, same situation happened, he wants me to lock my rate without any explanation, he didn't give a chance to ask questions about any type of loan, if I can buy some points, he doesn't provide any documentation of loan estimates what are the breakdowns that includes on the loan, he said he can't send me those until i lock my rate, which is not true because I talked to other loan officer and they would give me all the breakdowns and explain each pages, the content of the documents, on what to expect, guide me through the process of picking the right and best rate for a client. He started raising his voice when I tried to asked questions and he's been refusing to provide me the documentation on the breakdowns of my monthly mortgage. He even verbally told me that " I will be paying XXXX grand on your closing cost ''! He treated me unprofessionally just because you will be paying a certain percentage towards on my closing cost, you have the right to tell me right into my face. This is there offer being an in house lender on XXXX XXXX XXXX. He would pressure me and rush me to lock the rate and would give me a little amount of time to respond and would say, you only have two hours to respond to this offer because this will go away. He is very arrogant, rude and unprofessional. I am looking for a loan officer that can help me guide through the process, explain every detail, give their client the freedom to ask questions and treat his/her client in a professional manner. 

I emailed the manager and CC the Vice President regarding this issue. 

Hoping for your prompt consideration on this matter. 

Thank you.
Consumer complaint received 2022-07-05
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. (PA)

in accordance with the Fair Credit Reporting act 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 2022-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

I am the XXXX XXXX XXXX XXXX XXXX  in XXXX. Another small business in our town performs work for our business as a subcontractor. 

Someone unlawfully got access to our subcontractor 's email system and sent my company fraudulent wire instructions for payment to our subcontractor. The wire instructions included an account name matching the name and address of our subcontractor ( plus a 3 letter abbreviation not part of the real business name ) and an account number. We verified the request was correct by email, thinking we were communicating with the real business but instead communicating with the impersonator, and then wired the money. The fraudulent nature of the activity was discovered roughly 2 weeks after the wire happened. At least one other business in our town was fooled by the impersonator and wired money to the fraudulent account. 

Our local bank issued numerous requests to the receiving bank over the secure messaging system indicating the account was fraudulent and requesting return of the funds. Response from the receiving bank was slow and incomplete. 

Through local law enforcement a search warrant was issued to the receiving bank for account statements and information about the account, in an effort to learn if money remained in the receiving account, and if not where did it go. We received that information via the search warrant before receiving any relevant information over the bank secure messaging system ( our sending bank still hasn't received any relevant information from the receiving bank over 4 weeks since the first message was sent on XX/XX/2022 ). 

Information in the material received from the search warrant revealed that the account name, address and location did not match the name on the wire instructions. The receiving bank accepted the wire based on an account number match, but the account name and address did not match. 

Our sending bank 's search of XXXX code indicates the receiving bank " may rely on the number in a payment order that identifies the beneficiary, even if it identifies a person different from the person identified by name in the payment order, if the Federal Reserve Bank does not know of such an inconsistency in identification. '' Also in this code : " Section 4A-207 provides that a beneficiary 's bank, such as a XXXX XXXX XXXX , may rely on the number identifying a beneficiary, such as the beneficiary 's account number, specified in a payment order as identifying the appropriate beneficiary, even if the payment order identifies another beneficiary by name, provided that the beneficiary 's bank does not know of the inconsistency. '' Did the receiving bank know of this inconsistency in names when it accepted the wire? What are that bank 's wire transfer policies and procedures? Do they require that the name on the receiving account be checked against the name on the incoming wire instructions? If so, the receiving bank improperly accepted the funds and they should be returned.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A