davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, Transunion and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with Transunion, XXXX and XXXX. According to XXXX XXXX monitoring credit and scores my Transunion credit scores is at XXXX, XXXX XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a XXXX Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report XXXX, Transunion and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XX/XX/XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX  .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXXt .XX/XX/XXXX 6XXXX XXXX XXXX XXXX 7.XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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Trans Union continues to list the dismissed bankruptcy on my credit file. Trans Union 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated.
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Therefore, Trans Union has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2017-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks
Consumer complaint received 2017-07-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reverse Mortgage Solutions, Inc. (FL)

REVERSE MORTGAGE SOLUTIONS, INC keeps insisting they are in my financial business. Now they say They are BUYING ME INSURANCE AND CHARGING ME A FEE??? They have inserted themselves onto my homeowners policy as if they have some right to be there. They are removed every year. <P/>Now they have written me that they need to be " LOSS PAYEE '' on my business accounts. They are NOT A PART of my LIFE. <P/>They are like a tick burrowed in sucking blood from me and harassing an ID Theft victim that is elderly. <P/>I have the documents where my Insurance company removed them and XXXX REVERSE MORTGAGE , LLC they said they bought the " loan " from 10 minutes after I " signed for it. All baloney. <P/>I am attaching documents from my XXXX XXXX that parties were removed from my policy in XX/XX/XXXX-XX/XX/XXXX, the new policy and the deletion page. Same for XX/XX/XXXX-XX/XX/XXXX where REVERSE MORGTAGE SOLUTIONS, INC added themselves one again -- removed as soon as I saw, was sent new policy declaration page and the deletion of mortgagee page. <P/>Unbelievable for a company to be so ridiculous to scam money from elderly.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I had leased a XX/XX/XXXXHonda Odyssey of which I was involved in a motor vehicle accident 1 year later that rendered the vehicle a total loss. The insurance company paid {$24000.00} of the {$26000.00} owed and after some payments I made, there was a balance inXX/XX/XXXX of {$1100.00}. Payment was requested in 30 days. As of XX/XX/XXXX, I reduced the balance to {$930.00}. The payments were accepted without any rejection or return of payment. Prior to the accident, I was never late nor missed any payments on the lease. <P/>Without any warning, Honda Financial Services sent me two letters dated XX/XX/XXXX and XX/XX/XXXX. I did not receive them until XX/XX/XXXX. The first letter said my debt was charged off for failing to fulfill my " contractual obligation '' and was being sent to collections. No explanation was provided for what this meant. The second letter, dated XX/XX/XXXX, said I had 15 days to pay the debt. Relying on the second letter, I paid it in full on XX/XX/XXXX and called Honda Financial Services on XX/XX/XXXX to have them remove the charge off from my credit reports. The representative was rude from the start saying they called and told me I had to pay it in full. I never received a call or letter prior to XX/XX/XXXX saying if I did not pay the balance by XX/XX/XXXX I was going into collections. He said they spoke to my wife, but she was never told that if full payment was n't made by XX/XX/XXXX, the debt was being charged off and going into collections. When I tried to explain the reasons for the delay and that I paid it off once I had the ability to do so ( which was also within the 15 days demanded in Honda Financial 's letter ) the representative 's response was " not my problem ''. He refused to remove the charge off and said I could not speak with a supervisor. The representative also denied having any information of Honda Finance sending me the XX/XX/XXXX letter that gave me 15 days to pay off the balance. I faxed it over to him but of course got no response. <P/>Based on their fraudulent and misleading representations my credit score was lowered 90 points. I was never advised that if I did not pay off the entire balance in 30 days that my account would be charged off or sent to collections. I never receive a final letter until after the debt was already charged off. I also paid off the balance within the time specified in Honda Financial 's letter and its response to me was essentially " we do n't care '' and " not my problem ''.
Consumer complaint received 2017-06-30
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)

A group of people used my social security number to get services with XXXX XXXX XXXX XXXX, XXXX XXXX. The billing was linked to my home at XXXX XXXX XXXX. XXXX Tennessee XXXX. The FBI told me it was an inside job. The entire XXXX XXXX, XXXX XXXX & The XXXX Family. XXXX XXXX. Copies of my birth certificate was made, drivers license, social security card. My date of birth changed with XXXX, my former employers changed. Social Security wrote a query showing my employers from XX/XX/XXXX - XX/XX/XXXX. Tax returns have been filed using my information. The XXXX Family stole Government funds to pay you for your services through XXXX XXXX XXXX. Unemployment funds was being used. The FBI brought this to my attention. From XX/XX/XXXX-XX/XX/XXXX this theft occurred. My number in the home was ( XXXX ) XXXX. You turned my phone off, I was in my home 18 years. The XXXX stole my home. It goes on & on, they 've taken my identity. They are being allowed to continue to abuse companies services. The only way they will stop is you do n't provide them with any type of services.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I have 2 credit cards from CHASE : one VISA and one MASTER CARD. I applied for CHASE British Airway Visa credit card on XX/XX/XXXX. I received a letter letting me know that they could not confirm my information on the application against my current credit cards information with Chase and I need to provide a proof of Date of Birth and current Address reference number XXXX. <P/>I came to Chase bank 2 times to have them fax my passport and my driver license to the fax number provided on the letter. I also mailed a copy of each document to the address provided on the letter. <P/>I received another letter letting me know that Chase had a concern that someone may be using my personal information fraudulently and need to call Chase to confirm if I was the person submitted the application in 30 days from the date of the letter on XX/XX/XXXX. <P/>I called Chase today XX/XX/XXXX to confirm that I submitted the credit card application. The person from fraud department was able to verify my information and there was no fraudulent activity. <P/>However, they told me that everything is fine but they had closed the application and I have to reapply. <P/>There has not been 30 days from the date of the application XX/XX/XXXX nor from the date of the communication letter of XX/XX/XXXX and all of the requested information / documents being verified. <P/>Why did they close my application and I have to re-apply? <P/>There was a hard pull on my credit profile and damaged my credit profile due to this application denial.
Consumer complaint received 2017-07-02
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. (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2017-07-02
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. (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

I WAS  XXXX  IN  XXXX     2013  AND ARRIVED OVERSEAS END OF  XXXX     2013  AND WAS LATE PAYING MY MORTG. WELLS FARGO REIMBURSED ME FOR LATE FEES BUT WOULD NOT TAKE OFF  XXXX   2013  LATE PAYMENT OFF MY CREDIT REPORT. I WAS NOT LATE PAST 30 DAYS. I HAVE PAPER SHOWING THAT THEY REIMBURSED ME FOR LATE FEES AND ACKNOWLEDGE I WAS OVERSEAS BUT REFUSE TO TAKE OFF THE  XXXX  DELINQUENT MARK OFF CREDIT REPORT
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NH)

I moved from my apartment on   XX/XX/XXXX  and stopped service with  XXXX  on  XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the  same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes.   XXXX  I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.
Consumer complaint received 2017-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I have maintained my mortgage with Chase Bank since XX/XX/XXXX. I was recently informed by my Financial Advisor that the Private Mortgage Insurance ( PMI ) should have been " automatically '' cancelled in XX/XX/XXXX when the loan to value of my home reached an 80 % loan threshhold because of appreciation and improvements. <P/>Earlier this month I formally requested Chase to terminate the PMI because my loan has a current loan to value of 62 %. My request for cancellation was not approved because of Chase 's interpretation of " delinquency ''. Chase claims their policy requires no delinquency in the prior 12 months prior to cancellation. <P/>My payments were made promptly and uninterruptedly over the past 11 years. Earlier this year I lost my job due to downsizing and at the exact same time my mortgage was adjusted up by {$700.00} each month. I requested a forbearance of the " increase '' payment amount. I continued to make monthly payments pursuant to Chase 's direction based on the prior payment amount while they reviewed my modification request. <P/>Prior to their decision on the modification I found employment and was able to pay the increased payment amount. <P/>Chase is claiming that my withdrawal of my request for payment modification retroactively changed the status of the " adjusted '' payment they were reviewing.
Consumer complaint received 2017-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (UT)

I opened an account on XX/XX/XXXX under a promotion where I was to receive, by XX/XX/XXXX, {$100.00} for setting up a direct deposit and {$50.00} for for using my new debit card. I received the {$100.00} for the direct deposit but never received the {$50.00} for using the debit card. The fine print of the {$50.00} bonus was that I needed to use the debit card to make 10 debit card purchases of at least {$3.00} each for two consecutive months following the month after my opening deposit cleared. <P/>I believe I have met the terms of the promotion. My {$500.00} opening deposit cleared onXX/XX/XXXX. I used my debit card at least 10 times for purchases of at least {$3.00} each for both XX/XX/XXXX and XX/XX/XXXX. Several weeks ago I discussed this issue with a customer service agent where he said he believed I had met the terms as well, and said he was going to submit a request for me to get the {$50.00} bonus and I should receive it in 3-5 business days. That time came and went. I called again and a customer service agent was very dismissive and just kept saying I would receive it by XX/XX/XXXX. That did not happen. I called once more and the agent said he would submit a request, but had no idea what the time frame would be, who would contact me, or when. <P/>Because I believe I met the terms of the promotion, the terms explicitly stated I would receive the bonus by XX/XX/XXXX, it is after XX/XX/XXXX and I have not received the bonus, and claims made by representatives from the bank have turned out to be false time and time again, I feel like I have no choice but to file a complaint.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
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When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
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This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

I have used credit cards for years. I have had no problems paying my bills. However, whenever I have had dealings with Synchrony Bank, they fail to notify me of my payments. They charge me late fees. Not only have they done this to me once but several times. I contacted the company in  XXXX   2017  about this and they told me about a glitch in their computer. They did it again several other times and I had to call them. We checked all my information and it was all correct and they still failed to send me notifications. I had to look on my accounts trying to figure out what my payments were and noticed they were charging me late fees and the bill was due  XXXX   XXXX   2017 . I paid my bill on  XXXX   XXXX   2017 . I called them again about the bad practice and not notifying me. I immediately paid the bills, and cancelled my cards. To add insult, I get a noticed on  XXXX   XXXX     2017  telling me they are reporting me to the credit bureau and charged me {$25.00} and that was going to accumulate interest until I paid the remainder. For 30 years of having above stellar credit rating, and paying my bills on time. Synchrony Bank has been the worst company I have ever dealt with and I have never complained about any other company before. This truly ridiculous how they treat consumers
Consumer complaint received 2017-07-01
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. (OH)

I did not ask for a security freeze to be put on my credit The problem is the verification/validation Transunion did not verify the XXXX XXXX collection account on my credit. XXXX is not a valid form of verification. XXXX XXXX is a third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the XXXX representatives are not allowed to call the creditors nor the collection agencies. I sent Transunion a method of verification form that was never filled out.. Once again XXXX is a web based automated system that Transunion use . That is not verifying this account. I will be contacting the president of Transunion XXXX XXXX XXXX if this account is not removed immediately. The account not verified nor validated are XXXX XXXX.