davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have sent numerous requests to Experian, XXXX, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the incorrect names of : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R & B Corporation of Virginia (VA)

This Collection agency credit control corporation have been doing illegal activities before any legal matters get involved I would like to resolve this matter by them being removed from my consumer report. Credit control Corporation XXXX # XXXX Has been removed from 2/3 Credit Reporting Agencies due to its inaccuracies.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Below will be attached an FTC Report
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Theseaccounts werealready deleted from my credit report. Why have you re-inserted theseaccounts back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MD)

Recently I would say about 2 months ago american express lowered my credit limit on both of my accounts about XXXX dollars total and they lowered to an amount which made me XXXX dollars from the new limit of credit when I called and inquire about why I was told because I was making the minimum payments a month which make no logical sense to me. I feel american express purposely tried to put me in a financial crisis for paying the minimum they set a month I have never had any missed payments due to them lowering my credit limit on both my personal and business credit accounts it has put me in a financial situation now im way over my 30 % and now the minimum payment have went from XXXX dollars to XXXX dollars. I am currently in the process of finding a lawyer because I will be be taking legal action against this it was no reason for my credit limit to be lowered placing me agian over my 30 % and now it's affecting my XXXX XXXX
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I got an envelope that says I opened bank of America checking account which I didn't do. On the information was an email about where I could send a report about abuse to bank of America. XXXX. Now I am getting emails about sending money and changing passwords etc. What do I need to do?
Consumer complaint received 2021-05-06
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. (CO)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a follow on the CFPB complaint # XXXX. Today I received an email with the " XXXX XXXX '' logo in the normal upper left hand corner, again stating that I needed to call or get charged to my account. I did not respond, and deleted this email. Since the original scam, I have changed that credit union account number, as well as my corporate account number, added a new anti-virus software ( XXXX ), and paid for a local software company to take control of my laptop for a " detailed security inspection and malware removal ''. 
What is CFPB doing to require XXXX XXXX to notified that their logo is continually being used by scammers?
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I had locked my rate with Chase bank in XXXX of 2021, the rate lock product is a XXXX day conventional lock. I am building new construction so I wanted to take advantage of the current mortgage rates. I have near perfect credit with a XXXX score and am a chase private client customer. I did meet all the lending criteria and chase charged me a $ XXXX application fee, I have a fully executed closing disclosure which shows the rate lock and closing costs agreed to. 

Additionally, Chase uses XXXX XXXX to check consumer credit and has run my credit on 3 separate occasions, they shared they needed to re app my loan which I never agreed to. these hard inquiries had a XXXX point negative impact on my credit score and were done without my permission.

With the sudden raise in interest rates, chase is now adding new loan conditions which previously cleared. for example, My income was cleared already as I do 1099 consulting work and have been in the same industry for over 20 years now. Chase is now refusing to observe my income since I have been on my most recent client project for 22 months which they say is short of 2 years. This is not new news as chase locked my rate and knew this in XXXX of 2021. I also have additional W2 employment earnings, chase is not willing to observe my commissionable earnings for this role as they shared that is not 2 years as well. In total, chase is only observing 12 % of my total HH income which is supported by my tax returns and has been consistently the same for the past 5 years.

Chase came back and is now saying that I need to liquidate my 401K in order to get a loan and put more money down even though I again have the earnings to meet the debt to income ratios necessary. Chase has also increased my rate lock from 3.25 % to 5 % with additional closing costs. Chase has told me this entire time that my rate was locked and again there has been no changes to my credit or income. The activities by Chase are deceptive and I could use professional assistance. I missed out on a rate lock with alternate lenders as Chase assured me that my deal was approved. the difference will cost me over $ XXXX in interest over the life of the loan
Consumer complaint received 2021-02-23
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In 2022, due to loss of employment due to the pandemic, I was over 30days late in XXXX with my payments for my XXXX XXXX Account I was 30 days late in XX/XX/2022. I have sent 4 letters to Management and The CEO. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; The accounts have since been brought current. I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then I can sue them for damages.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

I have a email from this companys property manager XXXX XXXX, from Edge at XXXX XXXX XXXXShe approved my refund amount {$170.00} and I received it, now they put it on my credit saying I owe them. I have contacted this company and they send me to someone voicemail or take my name down but this never gets resolved. They sent it to collections NATIONAL CREDIT SYSTEMS. This place resolves nothing just tells me to call the Apartments if I want any information or get this resolved.I have never had a call or received anything in mail from either company regards to owing this amount.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX, XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # QQXH ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX-XXXX  on XX/XX/XXXX 4. XXXX on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX  XXXX  XXXX  XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KS)

At the end of XXXX XXXX of XX/XX/2021 I noticed our savings account was showing a negative dollar amount even though we had been adding money to the account. I reached out to CitiBank to figure out what was going on and was told there was fraudulent activity so they needed to put a freeze on my account. As of XX/XX/XXXX the account no longer existed and the money was never refunded back to my account. I have called numerous times between XXXX XXXX XXXX with nothing being done. I have been told several times to allow 10-15 business days to receive a refund check for my {$1000.00} from the account however I am now a full 30 days past that. I get passed to several representatives who don't speak good XXXX and don't understand what I am asking. I have been hung up on and placed on hold several times.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

Our mortgage is held by Shellpoint Mortgage. Because of Covid 19, my work has been shut down since XX/XX/XXXX. I am furloughed until at least spring or summer of 2021. I have been able to collect unemployment and have found some XXXX  work, in the meantime. The mortgage is only in my name. My wife is not listed as a co-borrower. She is self-employed and mostly works part-time. Her work was also greatly impacted due to the pandemic. She is the person who handles the finances and the communication with the mortgage company. We applied for a forbearance at the end of XXXX. Communication with Shellpoint for the following few months was very sparse. We were told near the end of XXXX that it was approved for 30 days and that they would call us on the following XXXX  at XXXX to discuss the next 30 days, because they only approve 30 days at a time. They never called. They did eventually email to say they would call at another specific day/time. They did not. A stop payment was placed on our account and we believed that meant we were approved for more time. In late XXXX XXXX they called to ask for a payment in full. We have been trying to work out a solution ever since. In XXXX, we did send them {$120000.00} to cover three months of payments and requested that the outstanding months be deferred to the back end of our loan. We've submitted multiple hardship letters, months of bank statements, explanations of deposits, explanations of our work search, lists of our monthly expenses, etc. They continue to refuse to approve a deferment and claim we have the money to pay in full. We don't. They have made decisions based on old information. We were advised to request again. We did. They continue to deny a deferment. We have requested this three times now. The last time was at the beginning of XXXX. This time we were denied because of a missing bank statement. Our bank changed our savings account statement cycle to be quarterly ( we have no idea why and they couldn't explain that either ) so there was no XXXX statement generated. We submitted a screenshot of that account activity, but Shellpoint would not accept it. Our bank did eventually mail us a statement, but it took over a week and Shellpoint denied our request before we received. it. We've continued to explain that a 12 month repayment plan would create an even greater hardship, because our income is not stable as a result of the pandemic. We do want to resume payments. We've expressed this since XXXX when we sent the check for $ XXXX. They still have a stop payment on our account through all of this and will not allow us to make monthly payments, but they continue to add late fees every month. We went ahead and mailed a payment for XXXX and they returned it because it wasn't enough. They said they will only accept a minimum of two months. What!?!? This has been incredibly frustrating and humiliating.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY (MS)

My Credit Card information was stolen which I immediately reported to TDBank. They said they would send a new card out this was on XX/XX/XXXX. After 2 weeks I called back and they said they will send out a card on XXXX XXXX. after 5 business days I called and they still never sent out a card, They now say it was sent out on the XXXX because my address was not validated. I have used this address for the past 7 years and now not validated? I am bringing this attention to Consumers who are considering doing business with TDBanl as well as the Corporation so that they can look into the matter as well. I believe replacing the card immediately is the correct procedure and want to know why I was signaled out and not sent a card?
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of Education/XXXX violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University XXXXontinues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

JPMORGAN and Chase Bank. 

Repeatedly is unable to solve problem of recently discovered {$1200.00} USD thg that was siphoned from account last year. I just discovered this error while reviewing statement online with a JP Morgan Chase Customer Service representative approximately tw
o weeks ago. I am XXXX. 

They denied the claim, despite being FDIC insured. This is unacceptable. 

Please contact me as soon. As possible via email as I have no way to pay for even a phone bill due to their errors and mistakes. 

With Best Regards, XXXX XXXX XXXX EMAIL : XXXX XXXX
Consumer complaint received 2021-05-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am Disputing the following account for incorrectly and inaccurately reporting 5 late payments for this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and due to the FCRA law and My Rights I want the following account deleted from my credit report and credit file I have also included Proof of Payments Account Name : XXXX XXXX XXXX XXXX  account number XXXX account number : XXXX Balance : {$0.00}