davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (KY)

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-12-02
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: Commonwealth Financial Systems, Inc. (FL)

I checked my credit report and saw a negative item from COMMONWEALTH FINANCIAL Account # XXXX, Balance {$1000.00} and Date Opened XX/XX/2018. I have no knowledge of this debt, as it does not belong to me. My address has not changed, so i should have received a letter in the mail notifying me any debt and giving me a chance to dispute it or take care of it, according to the Fair Credit Report Act.
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (TX)

On XX/XX/2019 at XXXX. I submitted a request to change the checking account that I use for ACH for my FHA mortgage that is being serviced by GMFS. The conformation that I received stated that the change would go in to effect on XX/XX/2019, Since I was told the change wouldn't not go through until XXXX, I made the XXXX payment manually to avoid being late on my mortgage. On XX/XX/2019 both the manual payment I made, and the ACH that wasn't suppose to begin until XXXX, posted to my checking account. I called GMFS immediately, and they informed me that there was nothing they could do, although they could see from their records why the double payment occurred. I was told that a supervisor would contact me by end of the work day. After not receiving the promised follow up call, I called them again, and again I was told that the supervisor was " busy '' and to prevent the issue from going any further they would cancel any future ACH withdrawals for my account, and make my next due date XX/XX/2019. This would have corrected the issue, so I took no further action. Today XX/XX/2019 another charge was taken from my checking account, despite being told that all transactions of this sort would be canceled. I again immediately called GMFS, and they told me that there was no record of the ACH being canceled, and there was nothing further they could do for me, other than cancel future ACH transfers from being taken out. So, on two separate occasions GMFS erroneously withdrew a payment from my account. Both times I was told there was little to nothing they could do. Their errors are putting unnecessary strain on me financially. Its sad that a company that a company that we are suppose to trust with servicing our mortgage cant take proper action to rectify this situation that was only caused by their own incompetence.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.
Consumer complaint received 2023-06-14
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance Owed XXXX {$16000.00} ;
Consumer complaint received 2019-08-16
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: EQUIFAX, INC. (FL)

I summit an inquiry dispute from XXXX with equifax on XXXX, i stated on my dispute that i want to remove inquiry from XXXX because i never apply for credit or even give my social, equifax disputed all my account on my credit and even when i noticed the remarks i contact equifax and tell them they disputed wrong accounts they told me they can cancel dispute after that XXXX  credit card account was closed and removed from my credit {$9600.00} limit XXXX balance and XXXX {$1000.00} limit XXXX balance closed and removed from my credit, my credit score went down more than 25 points, open accounts from 11 to 9 and credit limit from almost 30k to XXXX, i call equifax they dont resolve nothing this coat me time money, etc
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian auto enrolled me to their membership and do not let me unsubscribe. They keep charging me XXXXmonth and there is no way to cancel the service. They are stealing money from me and I cant stop them from doing that since they have my credit card information.
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Hello, I have been transferring money from my XXXX account into my USAA account, for years now and have never had a problem. About a month ago I transferred over XXXX $ into my USAA account in order to pay off my credit card. Since then, every time I transfer money a hold get put on my account. Right now I have XXXX $ on hold. I transferred that money on XX/XX/2018, it immediately appeared in my USAA account. On XX/XX/2018 that money was removed from my XXXX account. I called USAA to try and resolve the problem, I was told that the hold will not be removed until the XX/XX/XXXX. I was informed that there was nothing they could do, and that it had something to do with the the bank to bank transfers not receiving their money, I fail to see how that's my problem.
Consumer complaint received 2023-06-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I am reaching out concerning the attorney office by the name of Roosen, Varchetti & Olivier XXXX XXXX XXXX I agreed to pay them {$2500.00} from an old debt ( 2018 ) XXXX XXXX. I made my first payment of {$350.00} on XX/XX/XXXX. Another payment of {$350.00} on XX/XX/XXXX. I have been making payments of {$350.00} bi-weekly on XXXX and end of the month from XXXX until XX/XX/XXXX. On Friday, XXXX the XXXX I received a letter from Magistrate court stating I was scheduled for a court date on XX/XX/XXXX for this case. I was very shocked. I in turned reached out to my assigned representative at Roosen , Varchetti & Olivier XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed him of the letter I received he stated he would check into it and give me a call back. I am still waiting to hear back. Im not sure why I have to show up for court when I made every payment and little bit more as agreed with this company.
Consumer complaint received 2018-12-02
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: Credit Karma (AZ)

XXXX today, I found on my Credit Karma report for 2 vehicles listed in my report that ARE NOT MINE!!!! Please remove at once off my report. Send me new updated report immediately. 
XXXX XXXX XXXX XXXX Vin : XXXX XXXX XXXX 4 door XXXX AND XXXX XXXX XXXX Vin : XXXX XXXX Registered XX/XX/XXXX. These are not my cars and NEVER were my cars.
Consumer complaint received 2018-12-02
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: Choice Recovery, Inc. (FL)

I checked my credit report and noticed three negatively reporting trade lines from Choice Recovery for {$400.00}, {$400.00} and for {$570.00}. I have no idea where these debts originated. I have never done business with Choice Recovery.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

XXXX im ' not gon na sit here and say that in a courthouse, everytime ive written you, an objection here and there and maybe i would not of even be allowed to express why they XXXX up not my problem ... 

today i got a letter from chase bank i love how they go we completed the research if your claim, we all know its a 3rd party company usually fbi who decides for chase the outcome ... .and btw, i never knew that chase bank wasnt kocated in manhattan rather XXXX  XXXX XXXX, texas XXXX XXXX 
acct ending XXXX claim # XXXX im ' gon na send you the letter they sent me tomorrow. and ill keep it simple call them fax my letter and ask chasevid that is what they sent me? when they go yes can you please show me on those two pages somewhere at this timebyou entered your pin number for your debit card? not there..how about my signature to verify that i bought the item disputed? oh its not there but they go XXXX me and were making you psy for it. next ask them if my name was on a flight the following day? so how the XXXX one person two diff dates onevaftervanother on both planes? add no signature no pin number?
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, my checking account was a victim of fraud. It was debited {$1400.00} causing an overdraft to that account. I noticed it on XXXX when Overdraft protection kicked in for {$200.00} and I received an email notice of same. 
I immediately went into my account and noticed that there was an entry from XXXX that said Banking Center withdrawal at XXXX XXXX , XXXX . I live in XXXX XXXX, XXXX and was not in XXXX XXXX at XXXX XXXX withdrawing {$1400.00}. As a matter of fact, there was only {$1200.00} in my account when the {$1400.00} was given by a teller to an unknown individual. The teller gave this person more than was even in my account! 
I called XXXX  XXXX XXXX Fraud division on XX/XX/XXXX at XXXX and reported same.They asked if I had my debit card and I replied yes. I was given the following confirmation id : XXXX. I was told it could take 60 business days for them to investigate. After XXXX days ( which was on Friday, XXXX, I received a notice in my email from the Fraud Department. They stated that they had determined that the claim would not be honored because the Debit card and pin were used as ID during the transaction. This is an outrageous result! Given that this was a teller transaction, did they view the camera footage?? What investigative methods did they use? My assumption is that at one of their banking centers someone must have had a way to copy my debit card and pin. I have been a B of A banking customer for almost 16 years and this is how they treat me? Not only did they fail to protect the security of my debit card but they released more money than was even in my account to a criminal. PLEASE HELP!
Consumer complaint received 2019-03-09
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. (MO)

I've tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}
Consumer complaint received 2018-12-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

XXXX XX/XX/2018 i send money through XXXX XXXX XXXX dollar but I put wrong account number but it shows complete it suppose to refund I called the customer care they tell that contect with receiver bank I already contact they saying not credit in bank
Consumer complaint received 2018-12-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MO)

I spoke to Santander my Creditor regarding my car and we agree if I would pay this bill off with a legal settlement they would removed off of my credit bureau reports. When looking at my credit report its states that I have been late and negative from XX/XX/XXXX until now. I have been trying to speak with them repeating ; they told me that they couldn't do anything to take off this negative reporting off my credit report, but I paid them over {$10000.00} in one lump sum. I have negotiated with them over and over again, even when i paid they still did not help. This creditor is paid and its showing negative on my report and is hurting me a great deal. PLEASE HELP ME
Consumer complaint received 2018-12-02
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: EQUIFAX, INC. (AR)

I checked my credit report on XXXX XXXX and found a creditor on my report that I don't recognize and did not give authorization to. It was made on XX/XX/XXXX and showing up now and is on my credit report to XXXX. I did not do this nor did I give this financial company authorization to use my report. Thankyou
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I logged on to Equifax through your site. 
They asked me questions about my credit history that would suggest they are harboring falls information about me. Now refusing to release what they have, unless I submit to a ridiculous search. They are miss handling information! Why would they be aloud to collect more than what they have gleaned from illegitimate sources?
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IA)

I opened a XXXX Rewards Business card with Chase in XX/XX/2017. When I had to shut the business down a few months later, I asked them if they could convert the account to a personal account, but they told me they could not. However, when the business card was not paid because the business no longer existed, Chase put the debt on my personal credit report, severely damaging my score.
Consumer complaint received 2019-09-30
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA (NJ)

XX/XX/XXXX received an offer to consolidate student loans at 3.75 % With American Education Services ( AES ) After 36 months of on-time payment the rate would drop to 2.75 percent. Even thought I made more the 36 payment time way before XXXX it was not given to me until I called in on XX/XX/XXXX. the balances consolidated were XXXX Subsidized and un-subsidized balance of XXXX. So I happen to check the month statement today and noticed balances of XXXX, XXXX and XXXX the monthly payment is XXXX XXXX applied to principal and XXXX applied towards interest. I called said this doesn't add up to 2.75 percent. They explained there is a daily interest rate added. That was not disclosed to me nor was it clear 33 year term to pay attached. This deceptive. Do not say 2.75 interest rate if there are daily rates attached just say so upfront. They failed to disclose this in plain writing for view. Looking at this now I am not getting 2.75 more like 40 percent monthly. Tell me the its 33 years or let me pick how many years I want to pay back. This is very deceptive to date I have XXXX and will not be finished according to schedule until XXXX/XXXX.
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681Section 602, states : I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card as late for any purpose.
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my XXXX XXXX XXXX app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru XXXX XXXX XXXX to  get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, Chase. There was no warning or disclaimer that this could happen as such I believed that my bank ( XXXX XXXX XXXX ) and XXXX ( since my bank was backing them ) would provide basic protections just like XXXX
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

XXXX, XXXX, payments were made by XXXX from XXXX XXXX to Barclays, XXXX says they where paid, Barclays says they returned them why I do not know, I do not have the money, it is in Barclays hands last with confirmation from XXXX, each tells me to call the other. Now I am in default and fees and more late fees, this is a real problem now in the holidays, Please advise, My credit score has been knock down by 100 points. 

I will look to the courts next, Thank you.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX