davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX as the of procedure that utilized to foreclose on my home in XX/XX/2015, and which is a violation of due process as follows : 1. There is an assumption by the court that you want a free house and not paying your mortgage. 
2. Yet the court procedure takes a few minutes with the judge and plaintiff doing all the talking.

3. The court did not allow me to cross-examine or question the plaintiff.

4. My motion and plea were ignored by the court.

5. The rules of the court were compromised in favor of the plaintiff.

6. Dates were set by the court for making the decision in plaintiff favor.

7. The alleged original note endorsed in blank was presented in court by the plaintiff to my surprise, and when I tried to question the plaintiff on the note, surprisingly the strikes gravel on his desktop, Your house would be sold in 60-days.
Consumer complaint received 2020-08-24
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. (IL)

I called Transunion talk to representative about inquiries thats was moved off my credit from you all put they was put back on there please remove all these inquire thats removed Thank You XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX x2 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 x2 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 2022-04-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Consumer complaint received 2022-12-14
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. (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 719XXXX 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 us 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 .This 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 im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MO)

I received an offer to create a Chase Pay Over Time Plan with no fees on the first plan. I called and discussed the plan with a customer service agent named XXXX and was told that even though there was an expiration date, the offer renews and they never charge fees on the first plan. When I was ready to make a big ( $ XXXX ) purchase, I went to set up the plan, but the promotion for the fees to be waived was not there. 

On XX/XX/year>, I called and spoke with another agent told them that I was previously told the promotion would renew, but that agent said that was not right. I asked to speak to a supervisor and was transferred to XXXX. I explained my disappointment that I had been told there wouldn't be fees on the first plan and asked if they could extend the expired offer. She placed me on hold and when she returned, she informed me that she was able to get the extension approved to not charge the fees. I asked if she could set it up for me on her end but she said I would have to set it up on the app. I expressed my concern that on my end it still showed there would be fees, but she reassured me that those fees would be waived. I told her I really needed that to be accurate and she reassured again that the fees would be waived. Only at that point did I create the plan. That phone call was recorded and should be accessed and reviewed as proof of my claims. 

Now the fees are being charged despite XXXX 's reassurance that they would be waived by Chase. I've spoken to multiple agents and supervisors who tell me there is nothing they can do and that they are simply sorry that I was given wrong information. Nobody denies that I was told the fees would be waived, but everyone I speak to claims that nobody has the ability to actually follow through with the promises made by XXXX. I even indicated that I would pay the full balance other than the first month 's fee ( since I have gotten no benefit from the plan ) and even that has been refused.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (TN)

I attempted to open an account with Ally Bank and when I went through the online opening process the system recognized my information and told me that I was already a customer and prompted me to enroll in online banking. I attempted to enroll and the phone number and email address that Ally has for me is outdated and I no longer have access to either. I called Ally and attempted to update the information and was connected with someone who spoke very little XXXX and who put me on one extended hold after another. Eventually the phone just disconnected and I was left without having any answers as to if I had any accounts currently with Ally and if I would be able to access online banking. I would like to update my information with Ally so that I can access their online systems but as of this moment this seems impossible. I will attach a copy of my photo ID to this complaint for Ally to help locate me. The last four of my social is XXXX XXXX XXXX XXXXXX/XX/year>, mother 's maiden name is XXXX. The former phone number that I do not have access to is XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (TX)

I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with XXXX. Some one stole my identity, used my maiden name and obtained a federal student loan through EDFinancial to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with Ed Financial to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Lane Bryant retail account through comenity bank has not updated correct balance in over 5 months. Our balance has been XXXX for several months and but is still being reported a balance of XXXX. 

Requests to have the balance accurately reflected as a XXXX balance have not been responded to. Response is they are in process of changing over their systems - however 5 months of inaccurate reporting of balance is beyond a reasonable expectation. 

When calling customer service, you reach someone out of the country, who says it will be another XXXX billing cycles which would be a total of XXXX inaccurate reporting.
Consumer complaint received 2022-09-26
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. (NC)

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. 
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 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 2022-07-23
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. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-02
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. (MT)

THERE ARE SEVERAL INQUIRIES ON MY CREDIT THAT I DID NOT SUBMIT NOR AUTHORIZE ANYONE TO SUBMIT ON MY BEHALF. I HAVE TRIED REACHING OUT TO THE COMPANIES BUT THEY ALL WERE GIVING PUSHBACK STATING I NEED TO DISPUTE WITH THE CREDIT BUREAUS. THE BUREAUS HAS YET TO RESPOND TO ANY OF MY DISPUTES AND IT HAS BEEN MORE THAN 30 DAYS. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT PACKET I FILED. PLEASE DELETE ALL NEGATIVE INQUIRIES.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2022-04-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

In XX/XX/XXXX, I began refinancing my mortgage w/ US Bank XXXX I took all the paperwork to my local bank. They downloaded all the of the information that they required. I received a call from the Mortgage XXXX in XXXX. They needed the information. I advised that I had submitted all required paperwork. They stated they don't have it. I went back to the local bank. They stated that everything was indeed there. 
This back and forth went on for several weeks. In XX/XX/XXXX, I resubmitted more paperwork that was needed and sent it in an e-mail. Weeks go but and in XXXX I receive a call they don't have it. I stated that on XX/XX/XXXX I e-mailed it. He looked and stated to me that he found the e-mails and he didn't know how he overlooked them. He reports all is going well and they should be able to finish as they had everything they needed. They call again and can not find the paperwork. It was resent. Weeks again pass and we get another call on XX/XX/XXXX and they had just completed out work history. I stated why did it take so long to verify employment. He gave me a bunch of useless responses. On XXXX XXXX supplied them with the information they needed again. Get another call that they have no paperwork. I explained to him that I had turned it in that day and it was there. He found it. he said now they can close on the deal. Now it is XX/XX/XXXX and nothing. I go to the local US bank again. I'm told they dropped it and would need to resubmit from the beginning again. Now the interest rate went from 2.99 % to 4.69 %. I am more than frustrated. The party from US bank Mortgage in XXXX should be fired for being incompetent.
Consumer complaint received 2022-09-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (VA)

Hello, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2024-08-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I On XX/XX/2024 I received a clear to close. By XXXX and cardinal financial. Later that day documents were prepared. I went to attorneys office and signed all documents including promissory note and given keys to the new home. As I sat there while attorney prepared to wire funds. The attorney told me the lender refuse to authorize release of funds. I called the lender at the closing table to find out what was going on. XXXX XXXX Of XXXX told me the loan was in quality control. 
He said I needed a letter of what my intentions with the home were. Also I needed a note that I can work remote or a job letter. Both of which I provided being the intentions and the job letter. Then he asked me about signature on gift letter which they already received and verify XXXX weeks prior to giving clear to close. Then they started asking about the name on my email. Then they asked me about money I sent to my son via XXXX if it was child support payment. Then after providing a job letter which they verify. They then ask me to provide a direct deposit verification from the employer. If the employer didnt provide direct deposit they the lender would find another solution. 
When I informed them that the employer does provide direct deposit. XXXX then proceeded to tell me. That the FHA deny the loan because you dont have a job in Georgia XXXX When the listing agent called to ask what was the sellers option because the transaction closed. The lender told the listing agent that they could fund the sale. So the seller can get there money. Then they would foreclose on the home. At this point everyone associated with this transaction was bewildered. Ive met all the requirements they asked of me. Up until signing the promissory note everything was good. 
I followed all the instructions they gave me and they led me down the dark road and now Im homeless. Now Im sleep on someone couch for the past week and a half. This experience has been a nightmare for me. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX cardinal financial. XXXX XXXX of cardinal financial they all made me feel criminalized. Also I requested the denial letter on the denial day and havent received it yet. Ive followed up and still nothing.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX. I am a victim of identity theft. My consumer report is not in compliance with the Fair Credit Reporting Act 15 USC 1681.
Consumer complaint received 2022-09-26
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. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (IL)

I am a victim of identity theft and have enclosed a copy of my identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. Also My name is wrong and needs to be updated to XXXX XXXX.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TN)

My daughter ( XXXX ) just got a job and needed to get her pay check direct deposited. I tried to add her to my Netspend debit card account. I had to email the company 's verifications department with a copy of her birth certificate and social security card. In the meantime, my debit card account was locked, I could not make any purchases with my card. And, they held her direct deposit from her employer in a pending state for 3 days, XX/XX/XXXX through XX/XX/2022. After I uploaded the information to them they denied my request to make her an extra card holder. They wanted me to upload my driver 's license and social security card. I refused to do so because I had already done this 5 years prior when I opened the card account. Also, when I spoke with the customer service representatives they did not tell me that any of my information needed to be uploaded. In fact, I spoke with them XX/XX/2022 at XXXXXXXX XXXX  and they told me that the only thing needed was my daughter 's information. Previous phone calls revealed that the customer service reps are telling people the only way to get an extra card holder on the account is to give your social security number to them over the phone. I feel this is a security breach and a violation of the law.