davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting 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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

My XXXX XXXX on XXXX/XXXX/2016 was canceled and was rescheduled for XXXX/XXXX/2016 at XXXX that was rescheduled for XXXX/XXXX/2016 at XXXX That flight was good to go and l took it. 
do to these cancelations l had added cost. 
XXXX {$89.00} XXXX {$90.00} XXXX {$25.00} XXXX {$85.00} XXXX {$100.00} XXXX {$35.00} These were all additional cost that l had to cover out of pocket do the the cancelations that l had to endure. 
for a total of {$420.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been incarcerated since XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : 1. A copy of my government-issued ID. 
2. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ). 
3. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CT)

We have been solicited by our current servicer, JP Morgan Chase for a HARP refinance. The loan is owned by XXXX XXXX ( XXXX ). Last year and again this year, we submitted our application over the phone and supplied Chase with all documents as requested. We have a HELOC with XXXX Bank, and understand that loan would need to be subordinated. In XXXX, Chase denied our loan stating that XXXX did not respond to their request for subordation. According to XXXX, Chase ( via their title company, XXXX XXXX ) never contacted XXXX Bank. At that time, we were offered a standard refinance at a higher interest rate and significant out-of-pocket closing costs, including an appraisal, title search, etc. In XXXX XXXX, after numerous solicitations, we applied a second time for a HARP refi, and were assured that the issues that occurred previously would not happen again. The last communication we received from Chase was on XXXX/XXXX/XXXX, via secured email in response to my email requesting an update on the process. In that email, XXXX XXXX at Chase Bank indicated that he just received request from his processor that XXXX was requesting income verification and a copy of our Hazard Insurance XXXX. We supplied all of these documents on XXXX/XXXX/XXXX. Since then, again, we were notified by Chase over the telephone that our refinance loan was withdrawn because XXXX was requesting documentation that Chase could not or would not provide. We contacted XXXX directly and were told that they requested from Chase, through XXXX, either income verification and an appraisal OR a written request from us as borrowers to reduce our Line of Credit limit to equal the current outstanding principal balance. We agreed to those terms, notified both XXXX Bank, Chase and XXXX XXXX of our intentions and received an email back from XXXX indicating that the " title order was cancelled ''. We have had no further communication from Chase either via US mail or electronically, that there were any issues or concerns with our loan application.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a customer with Capitalone for over XXXX years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance XXXX times this year.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB (CA)

I was solicited by a state farm insurance agent to refinance my vehicle with state farm bank. The proceeds of the state farm loan were to pay off the prior loan. The prior loan was paid and the release from the prior lender was sent to State Farm for filing. State Farm did not file the release from the prior lender but instead held it and still holds it. I wanted to sell me car and pay off my state farm loan. The problem is that the buyer said I had to get the lien from the prior lender removed from the title. When I asked State Farm to submit the release to the XXXX, State Farm said it would not unless I paid off the loan to it. It told me to tell the buyer XXXX to accept its guarantee that it would release the prior lien when they were paid off or I should find someone else to buy the car. I went to XXXX to avoid problems with receiving payment. And, I think I should be allowed to sell my car to who I want to sell it. If State Farm had released the lien of the prior lender when it received it as it should have then I could go to XXXX, tell XXXX that I owe State Farm and they could pay State Farm and I could stop paying interest and insurance ( also through state farm ) on a car that I want to sell. But as it stands now, I have a title that shows a lien holder who has been paid off and can not sell the car. When trying to get the problem resolved I have talked to a number of people at State Farm who have given conflicting answers and told they would escalate the issue but nothing happens.
Consumer complaint received 2016-11-15
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP (PA)

Key bank took over First Niagara Bank is XXXX, Pa. Yesterday I did on online transfer of {$3000.00} from my checking account to pay down my line of credit. The money was immediately deducted from my checking account. 24 hours later XX/XX/2016 at XXXX the money is gone from my checking account and not applied to me LOC. When I finally got someone on the phone she first told me there is a day or two delay in transfers. I told her that was incorrect and most likely illegal. She put me on hold and said a memo just came through and I would have my money applied to me LOC by XXXX tonight. If the bank is doing this nationally they are reducing the interest they are paying on accounts by deducting funds from checking accounts and increasing their interest income on LOC accounts by not applying funds.
Consumer complaint received 2016-11-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I HAVE A MORTGAGE WITH BANK OF AMERICA AND SENTA A FAXED REQUSEST NOT TO PAY XXXX INSURANCE PLOI CY RENEWAL XXXX XXXX 2016 AS I HAVE SECURED A PRIVATE COMPANY TO SUPPLY MY INSURANCE COVERAGE. I WAS INFORME D BY BANK OF AMERICA THAT THEY WILL PAY ANY POLIC THAT COME IN AS A BILL WHETHER THIE IS A DUPLICATE OR OR NOT. ANY REQUEST TO NOT PAY ANTHING FROM MY ES CROW ACCOUNT IS DENIED THEY WILL NOT DO THIS. DO I HAVE NO RIGHTS TO CHOSE MY INSURANCE COVERAGE AND THE COMPANY I WANT TO DO BUSINESS WITH. 
I FEEL THIE IS MY CHOICE NOT THE BANK 'S I AM THE ONE THAT HAS TO PAY FOR IT. I HAD XXXX FLOOD POLICIES LAST YEAR BECAUSE INSURANCE AGENT DID NOT ACT WHEN I INFORMED HIM THAT I THAT I HAD ANOTHER POLICY. CAN YOU HELP
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (LA)

On XXXX XXXX, I decided to check my credit report and found that Midwest Recovery Systems had added a collections account on my credit report for {$620.00}. This company has never contacted me about this matter in any form. I never received a letter stating who the creditor was and was not given the 30 days to lawfully dispute this claim because I was NEVER contacted. This company is in serious violation of Fair Debt Collection Practice Act. Under this act the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. In this case I have never received a bill or any correspondence from this company or the creditor regarding me owing this debt that is being reported on my credit report.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I leased a Nissan Sentra for my daughter from XXXX XXXX in XXXX. My daughter lives XXXX The vehicle was registered in XXXX. Nissan Motor Acceptance Corporation paid XXXX State Tax on the vehicle and billed me for that Tax. I live in XXXX. I worked with XXXX and NMAC for several years attempting to resolve the issue. XXXX noted that the issue seems to have been resolved by NMAC. This was in XXXX of 2013. Recently I approached my bank to get a loan to buy out a lease. The loan was denied because NMAC put a note on my credit report advising that I did not pay for these taxes. I am not sure what to do at this point. I have contacted an attorney. He advised that I should file this complaint first, get a number so that we may proceed with legal action against NMAC and XXXX.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (AL)

In XXXX, XXXX I applied for and was approved for an FHA Mortgage through Regions Bank/Mortgage. At the time of application, and at the closing I was told that after 5 years of paying the PMI/FHA Insurance, and no late payments that amount would be dropped from my payment, thereby reducing my monthly mortgage payment. There has never been a late payment. Each payment has been made on-time. 

Last year ( at the 5 year mark ) I contacted Regions Mortgage Department about removal of the PMI/FHA Insurance charge on my monthly payment. They agreed and said they would look into it. They came back and said - That is correct that after 5 years the PMI/FHA Insurance could be removed ; however, the balance of the mortgage required to removed the insurance would not be reached until the year like XXXX. Not only is this upsetting, it is fraudulent and deceptive. 

If that 's the case they are leading people by a deceptive and corrupt practice by telling them the PMI Interest will drop off after 5 years ; when they are the ones generating the amortization tables and they know that balance would not be reach for another 3 to 4 years. I have contacted them numerous times about this and each time the tone is deceptive and misleading. Personally I would like to begin a class action law suit. 

I have contacted them multiple times over the last year asking them to continue to send me paper statements via USPS. They have yet to do that. 

Your help in resolving this deceptive practice for both myself and other customers is greatly appreciated.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (CA)

I cosigned for some of my daughter 's loans. She is having financial difficulties and asked all her loan servicers for a forbearance all of them except Wells Fargo granted the forbearance. Wells Fargo did not acknowledge the request. I myself requested the forbearance, but again we never got a decision, they just kept hounding me. I do n't even have a job right now, and they have absolutly destroyed my once excellent credit. On 2 occasions they just took the money straight out of her wells Fargo checking account. Bad choice to choose wells Fargo for her student loan.
Consumer complaint received 2016-11-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from AMSHER COLLECTION SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

One of the credit service that I always use they always monitoring your credit and alerts you when key change to your credit, including suspicious or fraudulent activity, are detected. XXXX obtained a copy of my Transunion credit report on XXXX/XXXX/2016 from a different person who name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. In which that I never live in XXXX fl, but some how that person use my name to try to get approval for some financial with XXXX ... ..etc
Consumer complaint received 2016-11-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohls/capone On XXXX/XXXX/XXXX I sent Koihls Department a Debt Validation Dispute letter because on my credit account it stated Derogatory acct # XXXX of which I owe {$770.00}. sent it certified Mail Return Receipt requested.Post Mark received on XXXX/XXXX/XXXX. However during the period of days, I received Some bill Invoices correspondence No acknowledge or Debt validation response has come to my attention, They did n't put on my credit report that the acct is disputed.I have sent another letter, waiting the 31 days, I sent another XXXX Disputed Debt validation on XXXX/XXXX/XXXX. But even on the second dispute Debt Validation letter all I received was statements Invoice Bills again with a letter stating they receive my dispute here are invoices to refresh your memory. a week or so passed when I received a envelope with a second letter stated the same date XXXX XXXX, XXXX some more invoices of Bill statement. On Credit check Total which provided you with all XXXX credit bureau on XXXX/XXXX/XXXX its staes Kohls/Capone. on XXXX Charged off as bed debt disputed resolve, reported by grantor. that is false and is in violation, putting words and falsifying, I never had contact by phone or correspondense by me. XXXX was in dispute- now resolve, another lie and violation, I never even spoke.reported by subscriber. unpaid Bal. charge off as a loss by credit grantor XXXXcharge off acct.All I received from Kohls were bills invoices and No acknowledgement of debt validation.I never reported resolve I 'm still fighting this collection. this is a violation of them stating this matter is resolve when it isnt. I would like to know who done this.On My last Bill sent to me as a bill invoice statement it states balance XXXX on XXXX XXXX, XXXX
Consumer complaint received 2016-11-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC ()

The false claim is regarding an emergency visit I had made to XXXX XXXX XXXX on XX/XX/XXXX while traveling in United States. There was originally an error on behalf of XXXX XXXX XXXX XXXX. They had sent the physician bill to a wrong insurance company due to incompetency of their computer system in comprehending XXXX addresses. The Hospital had sent their bill to the correct address and they had received their payments without any issue. The issue with physician bill was finally resolved and it was also paid in full amounts and confirmed by a XXXX XXXX XXXX XXXX representative. However, during the process XXXX XXXX XXXX had sent a false claim to XXXX, a debt collection agency as well. Through correspondence with XXXX, XX/XX/XXXX, I made it clear with evidence, that the debt had been paid and if they had any remaining claims they needed to provide evidence to me. They finally stopped harassing me. I had assumed everything had settled until XX/XX/XXXX I received another call, this time from Affiliate Asset Solutions, another collection agancy, followed by a bill sent to my sister 's address in United States, repeating the same false claim. The new creditor on the collector bill was PENDRICK CAPITIAL PARTNERS who had apparently purchased the unfounded debt. Once again, I enclosed the documents from my insurance company that showed they had paid both hospital and physician bills in their full amounts and faxed them to XXXX XXXX XXXX. I am enclosing these documents here as well. After faxing these documents to XXXX XXXX XXXX, I also confirmed through phone that they have received my fax. Furthermore, the representative gave me the impression that the issue was resolved. However, on XX/XX/XXXX I received yet another call, this time from XXXX XXXX XXXX, XXXX, followed by another bill sent to my sister 's address in California, repeating the same false claim on behalf of PENDRICK CAPITIAL PARTNERS. I really hope you can help me put an stop to this.
Consumer complaint received 2016-11-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (NJ)

I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.