davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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: JPMORGAN CHASE & CO. (CA)

XXXX made a Retail Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-12
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (NH)

This issue is in regards to effective loan servicing for a mortgage with Aimloan.com, the mortgage holder. I changed insurance carriers from XXXX to XXXX on the property in question, which is financed through Aimloan.com Inc ( American Internet Mortgage Inc. ). On the XXXX of XX/XX/2021, my insurance company, XXXX issued a refund for the cancelled policy and mailed it to Aimloan.com at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, over 60 days ago from today 's date of XXXX XX/XX/2021. Aimloan.com has updated their information on the new insurance policy/carrier but has not paid them because they have not yet cashed the check. I verified with XXXX that the refund was sent on XXXX XX/XX/2021 and still remains uncashed. It appears that the business operations of Aimloan.com are so slow that it may result in insurance for my property being cancelled because Aimloan.com has failed to pay the insurance carrier the policy premium per the escrow clause of the mortgage agreement.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

The money taken out of my checking account ending in XXXX on XXXX XXXX is fraudulent. This check XXXX was originally made for XXXX dollars to XXXX XXXX XXXX  for a credit card bill. This was mailed from XXXX XXXX XXXXn XXXX XXXX, than sometime after that, the check was stolen, whitewashed and deposited by mobile device on XX/XX/2021 for the amount of {$4500.00}, resulting in the money being taken out of my account on XXXX XXXX, the bank never notified me, I found out when I was overdrawn through email. To this day SunTrust has never initiated a conversation with me or called me about this matter unless I do the initiation. This should have never been taken out, not my handwriting, talked to Suntrust, filed a case, and also filed a police report with local and federal, since it was deposited over a mobile device. SunTrust ( Truist ) has lied to me said I would have my money back in 15 days, I still do not have it back, and they have cost me a move to XXXX XXXX for a job, loss of employment, destroying my credit, can not pay bills and have late charges. They also took my XXXX Social Security check when they said they would deposit the check into my new account, because I did not have time to change the account with Social Security. They lied again, it was setup, went to the bank, the representative called fraud department and they said they did not know how to transfer my check into new account, right. I am livid, they have lied, took my livelihood and have devastated me completely, I am going to be made Whole again, not only do I want my money back plus fees, they are going to pay for losing my job in XXXX XXXX, my move that did not happen and taking my Social Security check, not to mention destroying my credit and all the late fee, I am going to sue them for {$5000.00}. This has been emotionally, mentally and physically devastating to me and with my history I have sued before but this time I will.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.
Consumer complaint received 2021-11-02
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. Transunion, XXXX and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX  XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX XXXX XXXX****Unverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX ) XXXX XXXX XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}
Consumer complaint received 2023-03-10
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. (NY)

It has been brought out to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. They also haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to Fedloan at the end of XXXX XXXX ). Please help to rectify my account/PSLF tracking before my loans are transferred next month and before the limited waiver program expires. Thank you so much.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid 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: Coinbase, Inc. (TX)

I have discovered that coinbase offers no phone support for their credit card, only for their trading platform. My coinbase credit card was stolen and fraudulent charges are ONGOING. All I can do is email them, and they may get back to me in a week or so they say. How is this acceptable for fraud reporting? What's more, the trading platform support staffer told me that I had a to submit a whole new email ticket because the last one didn't even record my stolen card ( which I specified in detail ). On top of that, they told me to freeze my trading account ( which I've since learned was not necessary ) and I'm now locked out from doing any online monitoring of my card. Meanwhile my credit card is still active and ongoing for the thief out there to continue making charges on, even today. There's nothing I can do to stop it, and coinbase offers no recourse to stop it promptly.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

On XX/XX/2021 this collection account in the amount of XXXX appeared on my credit reports. Commonwealth financial is the collection agency. The address on file is XXXX XXXX XXXX XXXX XXXX, PAXXXX Phone number listed is ( XXXX ) XXXX I immediately called and asked about the debt requested verification of the debt and gave my updated information. They told me two weeks to get the letter. No letter arrived. So I sent a certified debt validation letter to the above address on XX/XX/XXXX. The letter was received on XX/XX/XXXX and I have the confirmation of delivery. 

It is now XX/XX/2021 and I have received nothing requested. I disputed this account with the credit bureaus also. And commonwealth responded to them. Not me.

One, this debt is not mine. Id know if I visited any emergency room and I have not. I want to see my signature on a document dated stating I owe the debt to the original hospital or drs office.. I want a detailed list of services supposedly rendered and I want to know why I was not contacted in any capacity prior to this going on my credit report. So I could report it for what it clearly is. Identity theft.
Consumer complaint received 2024-10-29
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (NY)

went on a payment plan with XXXX XXXX XXXX in 2018, I have been making payments on a monthly basis through my banking app and realized this year that I should've oaid off my balance by now but I had no way of seeing my balance/account information, they didn't send one statement to me or not one email regarding my account. I felt very uneasy about it and tried to contact them, but it's like they don't exist anymore and I had no luck in reaching athleta credit card. I have stopped making payments since then in hopes they will somehow reach out to me then and still nothing, but after doing my credit report a couple of weeks ago I saw that it showed up as " Charged off as bad debt ''
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute the inaccurate addresses listed on my Experian credit report. The addresses are contributing to confusion and potentially impacting the accuracy of my credit profile. I request that Experian promptly remove these incorrect addresses from my report. Additionally, I would like to ensure that my employment information is updated. My only current employer is XXXXXXXX XXXX and I request that this be the only employer reflected in my credit report. Please correct these issues as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). I expect a prompt investigation and response.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (GA)

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.

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 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMO Bank, N.A. (NC)

Started an installment loan with the Bank of the West out of Nebraska. Im not sure if another company bought them out or they joined. I started an auto payment with Bank of the west. When I stated the loan back in XXXX. The payment was XXXX I set up the auto pay for them to take XXXX out of my account every month. And there would not be any issues. Like I said before they were bought out or joined with BMO Bank N A out of XXXX XXXX IL. I assumed everything was all good. As I received statements starting in XXXX of XXXX and each statement said nothing was do. So I assumed everything was all good and I have or keep all my statement 's. On or about the week after the XXXX of XX/XX/XXXX I got a call that was left on my phone from BMO that they needed to talk to me about an important matter. So I returned the call, and I was told that my account was in collections. And I asked them why and they said I had not made a payment for XXXX of XXXX and that it was over due. And I asked them repeatedly to explain how this was, if I had an auto may from the beginning of the loan and all they could tell me was no I did not. After much frostation I asked to speak to a manager/ supervisor and I was told that there was no supervisor available that they would have one call me. Never got a call. Then on XXXX XX/XX/XXXX I got a letter from BMO stating that my account was delinquent and the past due date was XXXX XXXX XXXX. I want on line and made payment and again set up an auto pay. But on the mean time they have messed up my credit. And I would like it fixed.
Consumer complaint received 2022-06-27
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX Account number ending in XXXX 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 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Munar Mortgage, LLC DBA Co/LAB Lending (PA)

I entered into the process of taking out a mortgage with Co/LAB Lending from XXXX XXXX XXXX XXXX in order to purchase a home which we had an offer accepted on. Early on in the process, I was gold by the mortgage broker that my interest rate was locked in at 5.25 % ... About XXXX weeks before closing, I received a call from the broker stating she had made a mistake, and did not lock in my mortgage rate. She claimed it was too late to go back and lock in the rate I thought I was receiving, and she cautioned that rates were continuing to drastically rise ... She claimed she gave up all of her profits to get me close to the rate I anticipated, but my rate still went up to 5.75 %, which is a significant amount and was not in my budget. The company refused to take any other actions to get my mortgage back to the rate I was told was locked in, and that I had budgeted my entire home buying process around. This company has been very difficult to work with, as the loan processor often also didn't correctly handle details he was given. For example, he was told multiple times that I would not be escrowing my homeowners insurance and taxes with my mortgage, yet multiple forms of paperwork received by him did not indicate that. He also sent out via email a crucial document at XXXX p.m. on a Tuesday which needed to be signed that day or my closing would be delayed. He also never texted or called me to let me know that document had been sent. Because I was engaged in other things and not checking my email frequently that late in the day, and had no idea the document was coming or the time sensitivity associated with it, I almost missed receiving the document. I also had questions before signing it, but was able to get the broker via her cell phone about XXXX that evening to answer the questions. But the mistakes by this company are not acceptable, particularly when they're costing me thousands of dollars more when I was told the interest rate was locked in.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.
Consumer complaint received 2022-06-27
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)

My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.