davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
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. (CA)

In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.
Consumer complaint received 2017-10-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/17 my wife XXXX XXXX filed for Chapter XXXX Bankruptcy case number XXXX. The house was listed on the schedules as she is on title and has to list any properties she owns. She and myself are on title. She is not on the mortgage. My loan is with Chase. Loan number XXXX. Chase has now stopped reporting my account to the 3 credit bureaus as they state I am in bankruptcy. This is affecting me because I can not reaffirm the debt as I am not the one who filed for bankruptcy. My wife can not reaffirm the debt because she is not on the mortgage loan. I called Chase to inquire about this and they said my wife needs to sign a reaffirmation agreement. I explained to them she is not responsible for the debt she is only on title. The reaffirmation is only for the person on the debt that filed bankruptcy. I can not reaffirm the debt either because I have not filed bankruptcy. My wife has asked her XXXX XXXX   and she has advised her that Chase should be reporting the account as current because it is not her debt and I have not filed for bankruptcy.
Consumer complaint received 2017-04-30
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. (MI)

I believe in the month of  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

A business debt of my husband XXXX at Wells Fargo was overdue and because of no contact from XXXX, Wells emptied my bank account and took XXXX. I called the Wells contact in their collections dept ( XXXX ) and she needed to talk to my husband and get permission to discuss adjudicating this account with me which was done. I told XXXX my rent check was going to bounce, I had XXXX kids under XXXX yo and I 'm XXXX. I offered XXXX/Month payment until I could pay more ( debt was XXXX ) and offered tax returns/paycheck stubs/income verification and XXXX refused anything less than $ XXXX/month. We paid off a larger ( $ XXXX in cash and in full XXXX years ago with XXXX! ), however, I started a small business in XXXX and have grown my family. My rent check bounced and added more money and less than a week after my conversation with XXXX from Wells they took another {$3100.00} ( which was to cover my rent ) and when I spoke to XXXX she said it was because she called my husband and he did n't call back ( her reason for taking the original {$2100.00} was due to no contact from my husband ), but I said I am the contact person I 've been trying to work with you. Is that the loophole You call the wrong person and no contact means take all our money I said I wanted to record our call and she refused to talk to me any further even when I said I would not record it she said she did n't believe me and would not/could no tell me legally how they could take over XXXX % of total debt due from a family of XXXX ( XXXX ) who made $ XXXX XX/XX/XXXX? Wells refused to work with us!
Consumer complaint received 2017-10-25
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: Navient Solutions, LLC. (OR)

I am requesting a review of my m current loan status with Navient. Navient currently shows me as being past due 30/60/90 days during the months of XXXX, XXXX and XXXX of XXXX. This is a dispute and a request to remove the past due status due from my credit report due to non-notification and awareness of a balance with Navient. 

I filed chapter XXXX bankruptcy in XXXX XXXX. At the time, my student loans were managed and owned by XXXX XXXX. I made several attempts to get a status of my loan with XXXX XXXX and was informed that my account was under a cease and desist because of the bankruptcy status and they could not release any information or speak to me regarding my student loan account. Under Chapter XXXX bankruptcy ( 5 years ) there was no notice or communication ( phone call, e-mail, letter ) received from XXXX XXXX regarding my student loan account. 

I sent in a previous dispute letter dated XXXX/XXXX/XXXX ( enclosed ) to Navient in which I received a notification that past due is valid and will not be removed. I am disputing the results of that investigation and would like for someone to take a look at the history of events for my account. I called customer service and spoke to a manager who informed me to write in again regarding the history and events so that my case can be reviewed again. 

History XXXX XXXX Filed Chapter XXXX bankruptcy XXXX XXXX Moved from XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX ( enclosed Change of Address Confirmation ) XXXX XXXX Chapter XXXX bankruptcy discharged XXXX XXXX Navient sent letter of loan purchase to XXXXXXXX XXXX address ( I never received and I was no longer residing at that address. My primary phone number also changed ) XXXX XXXX I was contacted by Navient regarding my loan. I made a payment the same day and updated all contact information. 

Please be advised that when Navient assumed the loan from XXXX XXXX, I did NOT receive any communications regarding the sale. It is evident that any communications from Navient were being sent to an old address where I no longer resided ( letter enclosed ). During this time, I am still under the  assumption that XXXX XXXX is my loan provider. I was finally contacted by Navient in XXXX XXXX where I immediately updated all my contact information and made a payment that same day. I have also made my payments each month thereafter on time. As you can see below from my reported loan history, I have never missed a payment, even before I filed bankruptcy, so why would I do so between XXXX and XXXX XXXX.
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from XXXX XXXX, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COAST 2 COAST FUNDING GROUP (CA)

I submitted an offer to purchase a condo on XX/XX/XXXX, at which time my loan-broker [ XXXX XXXX - based in XXXX, CA ] advised me to allow for a 14-day loan contingency period. 

I have received negligent service from both the loan-broker & the lender [ Coast 2 Coast Funding Group - based in XXXX XXXX, CA ] since that time. At this point, I have already paid-out 43 % downpayment into escrow. 

Just today XX/XX/XXXX the loan underwriter issued yet another demand, asking for additional financial documentation, on top of the thorough disclosure completed many weeks ago. I had tried to back-out of this purchase contract a month ago, because i was alarmed by the incompetence displayed by the loan-broker & lender during the first month of escrow ... but my real estate agent informed me that refund of my initial 3 % deposit would be subject to arbitration, so we kept moving forward with a second month of escrow. 

Meanwhile, I 'm still waiting for the loan to be completed.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello, the discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating that my rights as a consumer are being ignored and violated.
Consumer complaint received 2017-10-25
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: Iron Capital Group (OH)

On XXXX XXXX, 2017 Iron Capital Group submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted Iron Capital Group about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ). They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted Iron Capital Group nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TN)

AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I HAVE CALLED THE CREDIT BUREAUS AND THE CREDITORS AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT ACCOUNTS : ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX XXXX # XXXX XXXX. I WAS ADVISED TO GO TO THE POLICE STATION AND REPORT THE IDENTITY THEFT, WHICH I DID AND I HAVE SENT THE POLICE REPORT TO THE CREDITORS AND ALL THE BUREAUS AS PROOF OF IDENTITY THEFT. I HAVE DISPUTED THE ABOVE ACCOUNTS AND THE CREDIT BUREAUS HAVE RESPONDED BY NOT REMOVING THE ABOVE ITEMS. THE ACCOUNTS ARE FRAUDULENT AND THEY SHOULD BE IMMEDIATELY REMOVED. I HAVE ATTACHED THE POLICE REPORT AS PROOF OF FRAUD.
Consumer complaint received 2017-10-25
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: Federal Financial Services Inc (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Consumer complaint received 2017-04-30
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. (TX)

Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       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  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

My name is XXXX XXXX and This complaint is against XXXX XXXX. While monitoring my credit diligently trying to increase my credit score, I spoke with a agent at XXXX who informed me that If I were to get a " deletion letter '' from all the creditors that are reporting their inquires to my credit reports, they could only then remove the inquires. I had just ( like 3 weeks ago ) finished paying off my XXXX XXXX XXXX account so tried to start with them. The rep that I spoke with stated they had no idea what I was talking about, after speaking to her supervisor put in a complaint and said something about disputing the inquiry, I explained to her that I did n't want them to do anything but send me a letter to mail into my cbr 's, here we are 3 days later after being told I would receive a letter 20 days later letting me know of the outcome I see where they went and DISPUTED the account I JUST PAID OFF, causing my credit score to drop by 20 POINTS!!!!!! So I called and spoke to 2 separate supervisors one that left me on hold for 40 minutes never returning to the phone and the other telling me there 's nothing they can do to remove the dispute ( THAT I NEVER MADE ) and all she could do is make notes that I no longer wanted to dispute the account!!!!! Why on earth would I dispute an account that I worked so hard to pay off so that it would reflect good on my CBR and raise my credit score????!!!! So now after working so hard to increase my score I 'm 20 points down, oh and here 's the thing my credit score had just gone up 18 points just YESTERDAY only for it to drop down 20 today  all because of a Dispute I DIDNT MAKE!!!!!
Consumer complaint received 2017-10-25
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: SECURITY FINANCE CORP (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

My mother has had XXXX since XXXX. Prior to that in XXXX, both my parents gave me DPOA. To date, my mother 's health has diminished more with this diagnosis. I began paying her bills from her account at Chase in XXXX. I managed by just going to the bank and withdrawing monies to pay the bills. I have requested to be placed on the account twice because I have to file accounting with the court who appointed me guardianship annually. Recently the court granted me full guardianship and I have to supply bank statements that can be easily printed online for court purposes. I have had several court dates continued trying to get Chase to give access with legal court documents to take care of things such as court. I know how much money is in the account because I manage and pay all the bills. Chase recently sent my information to their legal department for the second time. I have legal guardianship from XXXX XXXX XXXX XXXX XXXX in Florida. I am under court deadlines and would like resolution to this problem. I am a responsible person with a perfect XXXX credit score and actually have credit cards with Chase, however they must know as children of parents with XXXX, we didn't ask for this responsibility. I had to pay an attorney to go through this process, take a class and annually will have to submit accounting documents to my attorney for my mom 's account filings. Please help the families of parents with XXXX/ health issues correct this problem. I am due back in court next week. I submitted my Legal Court Guardianship to Chase Bank on Saturday XXXX XXXX and I need assistance to have this corrected. When researching this problem, I am noticing this is a common problem with guardians and basis banks such as Chase and XXXX. My attorney stated his next step is to file a motion to compel and I would like to move forward legally as well because this has been unacceptable. Having to change banks, social security payments and all of the bills that are set up automatically would be a nightmare. I will enclose legal documents submitted to Chase who stated they will be submitting the information to their legal department. I have missed one court date due to this problem and my attorney and I will be before the judge again next week to explain why this hasn't happened yet. I am waiting patiently for Chase 's Legal department. Seems the only thing these companies adhere to is class action lawsuits.