davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow victims of identity theft to remove fraudulent items. I have been a victim of a data breach, resulting in unauthorized use of my personal information. I request that the following accounts and inquiries be blocked from my credit report to prevent further misuse of my identity. 
The accounts I request to be blocked and deleted are : XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$930.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$360.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Additionally, I request the deletion of the following unauthorized inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

everytime i apply for credit, i get the same response saying they is no credit score for me. I applied for XXXX  today, i applied for several banks : XXXX XXXX, XXXX XXXX, XXXX. each time apply anywhere i get the same response. one of the lenders asked me to get a letter from equifax and equifax says no. when i call equifax they say nothing is wrong with my file and no lender should have any issues pulling my file. however anything on my report has not been updated since XX/XX/2018. I have been calling and talking to multiple departments and people and no one seems to help. its affecting my lively hood. i cant apply for anything because i will denied for no recent history and no credit score.
Consumer complaint received 2019-01-10
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. (LA)

The following accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX and XX/XX/XXXX, I booked a flight for ( 14 ) people from XXXX to XXXX leaving on the morning of XX/XX/XXXX with XXXX XXXX. The charges were {$940.00} from XXXX, {$310.00} from XXXX, and {$240.00} from XXXX. The airline charges were then charged to my card in ( 12 ) {$100.00} increments and ( 2 ) {$120.00} increments by XXXX XXXX on the week of the XX/XX/XXXX. 

We were to spend a half day in XXXX, then a full day in XXXX, then another half day in XXXX, before heading back to XXXX on XX/XX/XXXX. I purchased the tickets and paid in full with my Chase Sapphire Preferred credit card. 

On XX/XX/XXXX, the airline sent emails saying all of the tickets were " Exchanged '', and the flights had been moved to XX/XX/XXXX, and the returning flight moved to the morning of XX/XX/XXXX. ( leaving about 8 hours from XXXX  to XXXX in XXXX XXXX. 

I contacted the airline, and have multiple emails trying to work out the problems. For 2 months they told me that they would give a full refund, that they were processing the refund, etc. and then cut off all communication. 

I contacted Chase in late XX/XX/XXXX and asked for a chargeback, as I had paid for the entire trip with my Chase credit card. Everything was moving correctly, I submitted the emails, XXXX refund policy, and the regulations on changes greater than 24 hours, and the agent on the phone said the chargeback was temporarily approved ( pending a final judgment ). They called back in about 30 minutes, however, and said that since my call was outside 6 months from the transaction date, no chargeback could be approved. 

I felt this was unfair a transaction should involve purchasing and then receiving what was purchased. These were not delays they substantially changed the trip I thought I was purchasing. 

I believe Chase markets their chargebacks as a protection against unfair business practices, and as such has a duty to protect against merchants that do not deliver what was purchased. 

Even further, XX/XX/XXXX ( the day the airline exchanged the tickets and changed the flights/dates ) should have been used as the transaction date, as the transaction had been significantly altered, and I was forced to accept new terms.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (WA)

*He comment my instagram post like " Congratulations!!! you among the lucky winners for {$15000.00} kindly send a dm to claim your prize. '' I texted him in dm. He start to request XXXX $ for donate children. Then XXXX $ for clearance fee. He said " We now at the final step sire Yo man what's popping your winning is finally ready with me. You only need to send {$850.00} that would be my cut from your winnings sir. Once again congratulations sir hope you do something great with your winning ''. He tried to request again " All you need to do now is to pay {$700.00} for the management cut because they are the one in charge of your winnings and without that XXXX $ they won'e release. I already spoke with them so that's what they need and everthing is cool ''. Then " You have to pay XXXX $ for acceptance fee so your winnings can be completed then we are good bro '' Then " Good you need to authorized this payment with XXXX $ because it still pending here so you will get it without no issue because of XXXX limit so wan na waive the limit so you get your money in full without no issues and we good bro once again Congrat happy for you ''. After that he still request " Here is XXXX info - XXXX. Name  - XXXX. Trasportation Reference - XXXX XXXX. Amount - XXXX $ ''. He requested anohter XXXX $ and i didn't pay him again. I realized he is scamming. I told him " If you want XXXX $ cut from my winning ''. He said " You can't cut from winning ''. I told him I will refund my money back. He said you can't refund your money during process. He said " The whole money to complete this process is XXXX $ and you already paid XXXX $ ''. He didn't tell me from the start i have to pay XXXX before getting the XXXX. He explained more and I'm not trust him anymore. After i paid first XXXX , my bank is pending to transfer him money to his number. He told me to request my friend. So, i transfer to 4 other friends and sent the money. I told him I really need money to pay my school tuition fee in XXXX. He said pay XXXX $ and I will get XXXX . 
* The total amout -- XXXX $ as a XXXX XXXX  this amount is too much for me. 
* That's is happening in XX/XX/XXXX morning and i report the bank at XX/XX/XXXX evening. The bank give me other number and they can help me my situation. At that time, all transaction is pending. Unfortunately, all chase bank has technical issues and i can't do nothing in XX/XX/XXXX. I go to the local bank talk with them. I didn't directly transfer the money to scammer. I transferred the money to my friend then transfer to scammer. It is not grantee. So, I didn't refund my money back. In XX/XX/XXXX and XX/XX/XXXX the transaction is disputed with claim number. So, i called customer call department for claim my refund. They asked me again about the scam. After answering, there is no refund for authorized money. I can't refund. I also report this situation to ic3 website.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (OH)

We sold our home on XX/XX/XXXX and had a mortgage with Chase Bank. We were currently on the Covid 19 Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that Chase has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified Chase and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlantic Credit & Finance, Inc. (TN)

I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept.
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

Had a vehicle loan with Ally in early 2016 for a XXXX   XXXX. I entered bootcamp XX/XX/2016, prior to that had a billing issue with Ally which I was trying to correct with them. During the time I was in bootcamp, I received a letter from Ally notifying me of their intent to sell my vehicle, which they had repossessed over the {$250.00} billing issue. I have copies of the letter from Ally. In XXXX this year, I received a letter from Ally stating that the vehicle in question, had been " repossessed in error ''. They sold my vehicle and are billing me for the residual balance of the original loan. They sold my vehicle and repossessed in error and I should not owe them anything, they should owe me for the equity I had in the vehicle. I went to XXXX XXXX Assistance attorney who sent them a letter of representation and they have been avoiding sending the documentation he is requesting and not returning phone calls at all now. They have not sold this to collections, but the negative reporting is affecting my credit. I want this resolved and corrected.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .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 or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a XXXX  & XXXX. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (GA)

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item PNC BANK ( ADDRESS : PNC BANK XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX  XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

FHA CASE # XXXX A modification was approved on my loan for assistance on or around XX/XX/2018 with Wells Fargo ( WF ). At that time the reported gross qualifying income for my family was stated in the amount of {$6100.00}. 

WF, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2000.00}. However, based on front end debt to income ( DTI ) ratios a gross income of {$6100.00}, and a mortgage payment of {$2000.00}, calculates our DTI, at 33.33 %. This amount of 33.33 %, is outside the guidelines set forth by FHA which has a limit cap of 31 % DTI versus 33.33 % and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. My payment should have been calculated closer to {$1800.00}, based on 31 % of my gross qualifying income. 
Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the WF, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. The Department of Housing and Urban Development ( HUD ) has specific guidelines for FHA debt-to-income ratios. HUD is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to HUD : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. Needless to say, we are furious that our loan was mismanaged by WF and staff and our family is considering filing a civil suit in order to force WF, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.