davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: Navient Solutions, LLC. (GA)

Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me prior to doing so. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated
Consumer complaint received 2022-06-16
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: Convergent Resources, Inc. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. XXXX put a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is CONVERGENT OUTSOURCING. I've never had an account with this company. The original creditor is XXXX and I have discussed payment plans. The balance I have with XXXX is not even the correct balance that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes CONVERGENT OUTSOURCING as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information please remove this permanently from my credit report.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In according with the Federal 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 2022-06-16
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. (TX)

I noticed XXXX XXXX XXXX on my credit report. This account was placed on my credit report in error. XXXX  XXXX XXXX... Date the account was opened XX/XX/2014
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

Chase Bank - Mortgage for Investment property. 

Chase forced me to pay {$2300.00} in fraudulent charges before approving my mortgage on XX/XX/2022. The bank did not disclose that all collections charges ( even in the situations of identity fraud ) needs to be paid before they can approve a mortgage during the sales and approval process. Only before 10 days from closing date, they instructed me to pay one of the charges and provide dispute report for another charge. Then 1 day before closing, the mortgage team came back to me asking to pay the other charge, else they would not close the loan. They essentially held me hostage - either I pay for the fraudulent charge, or I let go my earnest money ( $ XXXX ) + appraisal fee ( {$550.00} ) + insurance fee ( {$450.00} ) and not close the house. 

When asked about the related policy and disclosure document, Chase mortgage declined to provide the necessary document- they mentioned it got escalated to executive office, I never heard back from them. I know that there is no XXXX XXXX guideline for making all collections payment to get mortgage loan - I closed another investment property in XXXX, 2022 with a different financial services company and they did not require it- they just needed the dispute document.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

I paid off my account on XX/XX/2022 and had a credit balance. I closed the account on XX/XX/2022, this was confirmed by Comenity in a secure message. I received a statement on XX/XX/2022 stating I owed XXXX in interest charge. I was upset but I was going to pay the {$14.00}. I attempted throughout the next month to pay the {$14.00} but there system and phones were down due to a merge with Bread Financial. I was not able to see the account until I got a phone call saying I now owed {$66.00} due to late fees and interest, although the website stated that all late charges would be waived. I paid the {$14.00} over the phone and advised that I would not be paying anymore because my account was closed, according to them on XX/XX/2022 and I was unable to access any contact with anyone to pay the illegal interest of XXXX. I have copies of all of the messages and account balance. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-19
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. (CA)

EXPERIAN REFUSE TO REMOVE TO XXXX XXXX REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME 1. ACCOUNT XXXX XXXX WHICH HAS BEEN REPORTING FOR OVER 20 YEARS 2. THE SECOND ACCOUNT XXXX XXXX ALSO BEEN ON MY CREDIT REPORT FOR OVER 20 YEARS. THIS IS NOT MY ACCOUNT AND THIS IS INCORRECT REPORTING ACCOUNT NUMBER # XXXX I WAS A VICTIM OF IDENTITY THEF..
Consumer complaint received 2022-08-19
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. (CA)

XXXX REFUSE TO REMOVE TO STUDENT LOANS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME 1. ACCOUNT XXXX XXXX WHICH HAS BEEN REPORTING FOR OVER 20 YEARS 2. THE SECOND ACCOUNT XXXX XXXX ALSO BEEN ON MY CREDIT REPORT FOR OVER 20 YEARS. THIS IS NOT MY ACCOUNT AND THIS IS INCORRECT REPORTING ACCOUNT NUMBER # XXXX I WAS A VICTIM OF IDENTITY THEF..
Consumer complaint received 2022-08-19
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. (TX)

I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did i give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2022-08-19
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. (CA)

company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 cushion vs trans union corporation us court of appeals for the third circuit court case 115 f.3d 220 XXXX XXXX XXXX, filed ( D.C. No. 95-cv-01743 ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. ()

Yestarday i try to made a wire transfer for XXXX they cancel and lock my online acces when i already send a transfer to the same person the other day i call to resolve it but the persons that i talk to say they cant verify me when they call me back to the number register in my profile i rspond the questions that they ask and at the end told me go to a branch and disconect the call for me is complicated to step on a branch because im in XXXX and i cant cross to the USA
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I was approved for HAF ( Homeowners Assistance Fund ) through the Florida DEO. We are approved for 14 monthly payments of mortgage starting in XXXX. As of right now Cardinal states they have received anything from HAF, even though HAF states the check was sent out to the company po box . After calling and speaking to a HAF representative today she stated that Cardinal Financial has been returning many checks to them. It seems that Cardinal is not wanting to work closely with this program which is wrong considering this program would save many people from losing their home.
Consumer complaint received 2022-08-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

XXXX HMDA-LAR Public Disclosures show that XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) operated the XXXXDirect Toxic Subprime Mortgage Loan Origination Boiler-Room utilizing an illegal Two-Tier Mortgage Origination Scheme to Originate Toxic Mortgage Loans which were subsequently securitized into five subprime XXXX RMBS Certificates. Teams of XXXX  Lending Specialists operating the XXXX-Direct Toxic Mortgage Loan Origination Boiler-Room Explicitly-Targeting XXXX XXXX, XXXX, and XXXX Applicants ( and fraudulently utilized the Race Unavailable ( RNA ) Racial category ) ; and XXXX XXXXo XXXX  HMDA-LAR Public Disclosures show that 193,088 Toxic Mortgage Loans with an approximate valuation of $ XXXX were originated using the Two-Tier XXXX Toxic Mortgage Loan origination Scheme. However, this number of toxic Mortgage Loans may haven just the tip of the Iceberg because most of the loans originated by these so-called mortgage brokers were via non-HMDA institution subsidiary : XXXX, which from XXXX through XXXX was the 12th largest subprime lender in the Nation. These so-called XXXX Lending Specialists would initially submit Borrower Loan Applications to XXXX, and if they were denied, they would then submit the same loan application to XXXX  XXXX XXXX XXXX XXXX XXXX ; and if it failed, they would then submit the same application to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX where it was a certainty to be approved. HMDA-LAR Public Disclosures show that 183,176 loans originated at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and then sold to XXXX. 
Additionally, hundreds of thousands of Toxic Mortgage Loans with an approximate valuation of hundreds of billions of dollars were originated by XXXX non-bank subsidiaries XXXX and its successor : XXXX, and all origination after XXXX were unreported to HMDA-LAR. Both XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX have pleaded guilty to " Civil Violations '' related to the $ XXXX XXXX XXXX Lawsuit against XXXX XXXX XXXX XXXX XXXX, and the $ XXXX XXXX RMBS Trust Certificate Fraud, Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX 
Both of these multi-Billion Dollar Lawsuits settlements included a total of $ XXXX for Consumer Relief Restitution that was to be given to Victims of these Trust Certificate frauds. 
The Department of Justice ( DOJ ) Settlement stated that the " Criminal Investigations '' related to both Frauds were Ongoing and that these " Civil Lawsuit Settlement '' did not grant immunity to either of these Corporations, and Employees of these Corporations.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: ATLANTIC UNION BANKSHARES CORPORATION (NY)

I am dealing with the death of an elderly relative. She left me money, in a CD in a bank in XXXX VA. I would like to claim funds, sent information asked for with my mother who is with family this week in VA. Bank flat out refuses to send me my money. They insist I send them a letter from my home state, which was not the agreed way of claiming funds.
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I keep getting bill for something Ive already paid for. The bill they sent has a phone number where no one ever answers. Ive stayed on hold for over XXXX hours waiting! I paid this copay when I picked up my medicine in XX/XX/2022. Their bill does not indicate the date of the transaction so I can only assume its this XX/XX/2022 medication. That is the only medicine I have gotten that is this expensive. I paid it and a copy of my statement is attached.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (WI)

XXXX XXXX  emailed me saying that I reported a card as lost or stolen. I did not. 
On the same day someone changed my address with the USPS in order to get the replacement credit cards.

I received a letter from USPS saying that my address was changed. I immediately went to the Post Office to report that this was fraudulent and was told to call the USPIS regarding change of address fraud. My first Case # was XXXX. I did not receive a response within 2 weeks. I called again and received a new case # XXXX. More than two weeks later I still have not received a response from USPIS. 
I also immediately contacted XXXX to report the fraudulent address. 
However, in the meantime USPS forwarded some of my mail and XXXX subsequently changed my address to the fraudulent one. I called them to report the fraud. 
Still, the fraudulent address made it into my credit report for Experian and XXXX. I have disputed the incorrect address with them twice. 
Luckily I prevented unauthorized charges by immediately notifying my credit card companies. However, what is disturbing is that I have been unable to get a response from USPIS. I want to be able to prevent criminals from changing my address online again. I was told this is not possible. That certainly plays in the hands of criminals who can report a credit card as lost and then simply change your address only with USPS. How can I protect myself from a recurrence of this? I have spent so much time on the phone trying to get this corrected.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (RI)

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
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. (RI)

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit Reporting Act, Health companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I am very upset with the service received regarding my credit card account, I created a balance transfer and entered the incorrect amount to be paid which caused an overpayment to my card. I contacted you institution on XX/XX/XXXX advising of the overpayment at which time the representative stated the overpayment would be returned in 7-10 days which I was fine with. On XX/XX/XXXX I noticed that my account was now OverLimit due to the payment being reversed because your Accounting Department considered it Fraud even though the transfer was submitted by XXXX Bank on my behalf. I contacted XXXX Bank today XX/XX/XXXX and they do not have the funds. 
FNBO received good funds for payment on XX/XX/XXXX on XX/XX/XXXX the funds was reversed and sent back to my balance transfer company which they have not received. I had three conversations with FNBO on XXXX, XXXX, XX/XX/XXXX and at no time did any of the representatives state there was an issue on XX/XX/XXXX the funds were reversed and the representative stated that they were returned because they thought it was Fraud, at no time did FNBO e-mail me call send a secure message regarding the overpayment they just returned the funds causing my account to be OVERLIMIT. I now am paying interest on a Balance Transfer and having to pay interest on a card that was to be paid off. FNBO stated you can just send the money back whenever you receive it. This is totally unacceptable Desired outcome : Reverse any and all overpayment fees and interest on outstanding balance as of XX/XX/XXXX when they received funds also refund any and all fees from the balance transfer that was not accepted by your institution. 

I have also noted below the information from my account showing the payment, the Secure Messages and the reversal of payment.