davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UNITED STATES MINOR OUTLYING ISLANDS)

My name is XXXX I am currently an adult living with XXXX XXXX XXXX. I have had 2 credit cards from chase for almost 2 years. My mom who is also my guardian assisted me on multiple occasions put my account on auto-payment. My United Airlines card stayed on Auto-pay but for whatever reason the Auto-Payment on my Chase XXXX XXXX keeps coming off on its own and Chase keeps charging me late fees on my card I have a total of 9 late fees at {$40.00} each totaling {$360.00} and interest is extra. My current balance is {$770.00} so the late fees is half my bill. Chase also lower my available limit as well on my cards lowering my credit score due to it looking like I was at 80 % usage in my card when I was actually only at 30 %. Chase also put a late fee on my credit report in the month of XXXX due to my Auto-Payment being turned off. I have never had a late fee on my credit report on any of my accounts it once again lowered my credit score. I can show proof that due to chase my score went from 740 to a 680 When my mom tried to assist me with resolving it they refused to speak to her even though I gave permission. One of the reps even hung up in her face.
Consumer complaint received 2023-01-15
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. (MD)

I was looking through my consumer report and noticed a debt from XXXX XXXX. XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Equifax is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Equifax has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX XXXXXXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Remitly, Inc. (FL)

I made three transfers using the remitly application, later I canceled them and I was informed that I would have to wait 10 business days to receive my money, it has been 3 weeks and I do not receive any refund, I try to communicate with the company but I do not have access to the customer service.
Consumer complaint received 2023-01-15
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. (NJ)

Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all XXXX major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (MD)

I was looking through my consumer report and noticed a debt from XXXX XXXX XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Experian is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Experian has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXXXXXX XXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX ONLINE PAYMENT ACCEPTED 10 PAYMENTS FOR SOMEONE'S ACCOUNTS USING MY BUSINESS ACCOUNT. THIS PERSON HAD TO ENTER ALL OF MY ACCOUNT INFORMATION, INCLUDING NAME, ROUTING NUMBER, ACCT NUMBER AND VERIFY THAT IT WAS TRUE. THERE WAS OVER {$3600.00} REMOVED FROM MY ACCOUNT WHEN IT WAS DISCOVERED BY MY INTERNAL AUDIT. ONE PENDING WITHDRAWAL WAS STOPPED THAT DAY AND ONE XXXX RETURNED TO ME FROM BOFA, BUT THE OTHER 8 WITHDRAWALS ARE NOT RETURNED. I MADE POLICE REPORT TO XXXX COUNTY ( EVENT # XXXX, AND BOFA FRAUD CLAIM XXXX, AND XXXX TELLS ME THAT BOFA NOR SHERIFF REQUESTED THE NAME ON THE ACCOUNTS THAT STOLE FROM MY ACCOUNT. XXXX ALSO TELLS ME THAT BOFA BUSINESS FRAUD DEPARTMENT HAS NOT FILLED OUT THE ACH FORM TO GET THE MONEY RETURNED FROM XXXX. BOFA TELLS ME THEY HAVE SENT THREE REQUESTS TO XXXX TO GET THEM TO RESPOND TO THIS FRAUD. I CONTACTED OMBUDSMAN, XXXX, AT XXXX AND THIS IS WHERE IT STOPS. XXXX HAS THEIR ON LINE FORM FOR ACH PAYMENTS AND THIS PERSON USED MY ACCOUNT FOR TWO HOMES, ACCOUNT NUMBERS ( XXXX ) and ( XXXX ) NO ONE WILL FOLLOW UP FOR ME. I NEED THE MONEY IN MY ACCOUNT.,
Consumer complaint received 2023-01-14
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: CarMax, Inc. (IL)

I have reached out to Carmax Auto Finance numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with Carmax being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Consumer complaint received 2020-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

RE : SPS Select Portfolio Servicing Inc Acct # XXXX I am requesting that you look into SPS Select Portfolio Servicing Inc regarding adhering to FHA loan guidelines considering our Freddie Mac loan. I have had nothing but problems going back years ever since XXXX and XXXX XXXX XXXX. 

Due to recent turmoil in our lives we reached out to our new mortgage loan provider, SPS, after our loan was transferred from XXXX XXXX aka XXXX, for assistance. I submitted all documentation requested to SPS regarding our mortgage, via both email and regular US mail. I tried calling on numerous occasions leaving voicemails, sending emails to our contact at : SPS Relationship Manager XXXX XXXX XXXX Ext. XXXX or by email XXXX After weeks of no communication from SPS, I finally receive a letter dated XX/XX/XXXX stating that we are approved for a trial period plan to modify the lien. This trial period doesnt assist with getting down the payment due to both job loss and the Coronavirus nor does it show us exactly what the modification would be. Immediately I called our relationship manager and for the first time I got thru and spoke to an actual person, XXXX XXXX. 

I must say in all my years of dealing with customer service, this agent XXXX XXXX, was rude, unprofessional and gave me no options but dispute this decision. I asked her about the Cares Act and other options, and she said all I could do was dispute the offer. I was dumbfounded.
Consumer complaint received 2023-01-14
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. (PA)

My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both Trans Union and XXXX XXXX 


Thank you for your time and attention to this matter
Consumer complaint received 2020-04-26
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: Bread Financial Holdings, Inc. (MI)

Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a fire XX/XX/2020. 

I asked that a Bankruptcy of XXXX 1/2 Years Ago & a XXXX Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and they both recommend that I dispute the errors. I asked That XXXX explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at XXXX. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-14
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. (CA)

I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with XXXX.
Consumer complaint received 2023-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with XXXX.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

We moved to XXXX, XXXX on XX/XX/22. XXXX weeks ago I was withdrawing money at the atm in front of XXXX. A XXXX man who spoke good XXXX offered to help me. As he was explaining how if I took dollars instead of XXXX  I would avoid fees, he took my debit card & inserted a card into the atm. While doing so, he actually inserted a different card & kept mine. After racking up XXXX in charges & atm withdrawals I noticed and called Wells Fargo. They told me it could take up to 10 days to issue me a provisionary credit. Yesterday on the 9th day they told me my claim was denied. I told them this was unacceptable as we live on a fixed income. My boyfriend took over the call and the result was they would reevaluate the denial & get back to us. I have been a Wells Fargo customer for 20 years. I have never filed a fraud claim. In those 20 years I have made many automatic deposits for my accounting business. We have also heard of this happening to other friends & people. Does anyone have experience in this or suggestions?? XXXX
Consumer complaint received 2020-04-26
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. (FL)

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX  Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

To whom it may concern :. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks
Consumer complaint received 2020-04-26
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. (NC)

TransUnion is allowing XXXX XXXX XXXX XXXX to fraudulently report 1 collection account as 3 accounts. I have 1 collection account with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 account as 3 separate accounts. I made a dispute with TransUnion and provided documentation showing that I only had one account. TransUnion did nothing at all but update the information as accurate. TransUnion is allowing fraudulent reporting to continue. 

The 3 collections listed by XXXX XXXX XXXX XXXX have the same account number, same original creditor, and same date for placed in the collection. This is all because it's one account with 3 charges
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions does Not provide me ACCESS for my profound. XXXX and XXXX XXXX XXXX. see attatched XX/XX/XXXX letter. Regions requires an IDENINITY Theft Kit on line Or go into a branch office to fill out. I CAN NOT WRITE OR SIGN. REGIONS PROVIDES NO ON LINE MOBILE APP ACCESS because I am XXXX. I AM IN A XXXX  XXXX  DRS ORDERS XXXX. I HAVE REPORTED ID THEFT WITH FTC case XXXX XX/XX/XXXX following the FTC. gov web and the ID THEFT. gov web AUTHORITIES GUIDELINES. Regions requires coming to branch or go on line for ADDITIONAL REQUIREMENTS NOT REQUIRED BY AUTHORITIES. Regions is Not ADA ACCESSIBLE. AS my ID Theft Report EXPLAINS XX/XX/XXXX.
Consumer complaint received 2020-04-26
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. (FL)

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX Account Designator Code XXXX  Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-04-26
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 Technologies, Inc. (PA)

I HAVE REVIEWED MY CREDIT AND FOUND SUSPICIOUS ACTIVITY ON MY CREDIT UNAUTHORIZED HARD INQUIRY FROM CREDIT TECH/XXXX  XXXX Mortgage Companies Inquiry date : XX/XX/2018 2018
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NC)

Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported on XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA.
Consumer complaint received 2020-04-26
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/2013, XXXX XXXX XXXX XXXX XXXX issued a loan in the amount of {$500000.00} to someone for a property in XXXX XXXX, NY, XXXX. She had 75 % interest in this property and did not consult the heirs who had 25 % interest in this property before taking this loan.
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (GA)

PNC Bank states that they can not transfer funds to and from XXXX XXXX. If XXXX XXXX is an FDIC insured financial institution I don't understand why I can not transfer my money to and from it. When asked to provide reasoning for why PNC will not transfer to and from XXXX XXXX, they stated that they do not and can not provide that information.