davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I sold my home on XX/XX/XXXX and was told I would receive a XXXX escrow refund. The first check was supposedly mailed out on XX/XX/XXXX to the wrong address which I dont believe because I got correspondence from them about my account to my new address.I have been calling them since XX/XX/XXXXXXXXBank of america has told me on numerous occasions that they sent the check out to me.I have called them at least ten times and everytime I get a different story the first check was lost they escalated my case the check was reprocessed I was told they would sent the check out via overnight mail on XX/XX/XXXX and they would call me back I never got a call or a check, and I am still waiting as of XX/XX/XXXX.
Consumer complaint received 2018-01-26
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. (DE)

I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of my credit report.
Consumer complaint received 2018-01-26
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. (NV)

On XX/XX/XXXX, I filed a charge dispute with my credit card issuer, Chase Bank regarding a charge made on XX/XX/XXXX with XXXX XXXX XXXX, under chargeback reason code 30. ( Failure of XXXX XXXX XXXX to provide service as stated in their service contract to me. 

I received acknowledgement of my dispute from Chase shortly thereafter, however on XX/XX/XXXX, I was advised by Chase that the dispute was closed due to no response from me to phone calls or letters mailed to me. I advised the Chase CSA 'XXXX '' that I never received no phone calls or correspondence from Chase through the pending dispute. XXXX advised me to resubmit the complaint requesting the dispute be opened. 

On XX/XX/XXXX, I resubmitted the dispute to Chase. 

Today, XX/XX/XXXX, I telephoned Chase for a update, since I never received any correspondence or update regarding the re-opening of this dispute. 

The Chase CSA ' XXXX ' advised that Chase did receive the dispute and it has been assigned and they are waiting for a response from the merchant. 

I asked if they ever received a response from the merchant since I initially opened the dispute on XX/XX/XXXX. He could not provide an answer. I asked XXXX, why Chase is not acknowledging my complaint received as required by law. he could not give me an answer. I asked XXXX if they have record of the aledgedly phone calls or letters mailed to me prior to Chase closing the dispute. He could not provide an answer. 

I believe Chase is not servicing this dispute in the time constraints required by credit protection law and request an intervention by the CFPB in this matter
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One incorrectly and unfairly reported me 30 Days late for the month of XX/XX/XXXX on my account ending in XXXX. I moved from XXXX to XXXX last XX/XX/XXXX. Shortly after, I called capital one and informed them of what my new address is. I was advised that my account/information has been updated. I am not enrolled in estatements/paperless billing nor enroled in autopay. I just mail in check payments with my statements. I just found out that not all of my account was updated to the correct current address. Having two accounts with the same company, all my accounts should have been updated and furthermore, I was advised the first time I called them that the address on the accounts has been updated. I made a payment to them last XX/XX/XXXX for the full balance and a representative updated the address just last XX/XX/XXXX. I should not have been late for that month if only my address was updated. It is the creditor 's obligation to update my information with the current and updated information provided to them. They violated the Califonia Credit Report and I am suffering greatly because of these.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

Received letter from PennXXXX credit stating a request for payment for a transaction I never made with a creditor named XXXX XXXX XXXX for an amount of {$35.00}. From service given XX/XX/year>. ID number XXXX. 
The complaint description is XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I dont want this affecting my credit!
Consumer complaint received 2018-01-26
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: JPMORGAN CHASE & CO. (FL)

To whom it may concern, I was a customer with chase slate for many years with no history of any late or delinquent payments. Although i had an open account with them i did not use the credit card for any purchases during 2017, to my surprise my credit score dropped due to a negative report by this chase credit card. When i contacted them I was informed there was an XXXX subscription charge in XX/XX/2017. I informed chase that i had no idea about this charge, as i received no electronic notification of a bill. Furthermore I was unaware of the subscription charge by XXXX to this particular account. Due to such circumstances, and my overall 15 plus year of stellar credit history where i never missed a payment I kindly requested chase to take the circumstances into consideration emphasizing that i had never missed a payment in the past. They refused which subsequently harmed my ability to apply for a business credit card.
Consumer complaint received 2018-01-26
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: REGIONS FINANCIAL CORPORATION (FL)

Good afternoon, I am making a dispute against Regions bank, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transcontinental Credit & Collection Corp (CT)

I received a bill from XXXX XXXX dated XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX trying to resolve this matter, he offered a settlement in the amount of {$380.00} from the original balance of {$480.00}, I advised XXXX XXXX from XXXX XXXX that I was in contact with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX who should have received my application regarding this bill back in XXXX, I went to XXXX XXXX hospital directly today and drop off my application regarding this account for their financial assistance and XXXX XXXX still insisted me paying the {$380.00} discount price and he ignored the fact that XXXX accepted my financial assistance application and threaten to keep my account in collections instead of reaching out to XXXX to verify the information regarding my account. XXXX XXXX would have not taking my applications if they were not will to work with me regarding this. XXXX XXXX was so insisted on me paying {$380.00} instead of contacting XXXX XXXX. XXXX XXXX billing department put a note on my account stating I dropped off all the necessary paperwork regarding my account so the can see if I qualify for assistance, if not I will make payment arrangements with XXXX where the bill is from
Consumer complaint received 2018-01-26
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: CORELOGIC INC (MD)

I have an inquiry from Credco reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at Credco in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX  number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed
Consumer complaint received 2018-08-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc. (WI)

Brite Financial phone lines have been down for months. There are no live agents available to take your call. My account is only 1 month behind as of XX/XX/18. The email suggests they are going to repo the vehicle. My car note is behind because I have to pay over {$700.00} in repairs. Vehicle has a check engine light and I will be unable to register plates. I responded to the threatening email and proposed a solution of $ XXXX/week to get lease caught up.
Consumer complaint received 2018-01-26
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: Experian Information Solutions Inc. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-08-02
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 (RI)

So I was checking my Bank of America account and saw charges that I did not recognize. I called the bank and was told for a year and a half there was charges from XXXX on my account. Today is XX/XX/XXXX these charges started back in XX/XX/XXXX they issued me a credit for the amount then after the investigation I was told it was not fraud and that i was responsible for the money they credited me back. I did not Authorize the charges made on my XXXX account and do not no where they came from. I cancelled the card was issued a new card and they shut down my XXXX  account. Made a new password for my XXXX account and applied new cars to the account. There has not been a charge for 4 months since and they still tell me its not fraud. I called again to see if they could investigate the charges again and they said yes but are still charging me back on my account.
Consumer complaint received 2018-01-26
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. (TX)

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did  not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with EquifaxXXXX XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers :  XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: KINGS CREDIT SERVICES (CA)

XXXX at XXXX XXXX- Kings Credit Service called my place of employment. Said they had every right to contact me at any of the numbers they had. I explained to them that they can't contact me at work or my employer because I am not allowed calls at work and will be fired. XXXX said that was incorrect they could contact me at work if they couldn't get in touch with me any other way. I explained to her that i didn't know about the bill at first, thought insurance had paid it but can't afford to pay it right now. i am trying to pay other dr. bills as much as i can at the moment. I remember the bill from XXXX XXXX saying they would not take payments you had to pay all of it at once if insurance didn't pay. I called XXXX back and told her that i could not get calls at work and that it was not legal for them to contact me after i tell them not to at work. she stated that it was legal and they could contact me at work if they needed too. again, i will be fired and can't get calls at work. I also sent them an email to contact them and told them not to contact my employer or me at work.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I am a long time holder of a Chase XXXX card ending in XXXX. I was required to get a new card. My credit limit was basically cut in half. I got shuffled around the call centers and finally got a supervisor XXXX. It should be noted the new card and bills had been sent to the wrong address. XXXX who stated she did a " review ''. XXXX stated she would close the card because of reports on charge offs and some items that were supposedly charged off on my card. I stated that when customer service had told me of a past due balance on my XXXX. I paid it immediately by my checking account over the phone. That I was part of a special program that was working with my creditors to settle and pay my debt. I asked to speak to another supervisor to reverse the decision and reopen my XXXX card ending in XXXX. Several days later a XXXX  who identified himself as a supervisor from Chase credit. He belittled me over the fact that I was using negotiators to settle my debt and the XXXX card would remain closed. As a point of two facts, one some of the credit card companies had contacted me some time ago to settle the credit cards. Why was ok for the credit card companies to negotiate settlements and not me. Second fact is that settlement of debt is legitimate and is an alternative used by many professionals, business people and even companies themselves. I was treated by XXXX and XXXX as a mere line item on a credit score. I am human and a business person, my credit has not always be perfect. However I proactively took steps to eliminate my debt.
Consumer complaint received 2018-01-26
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: Experian Information Solutions Inc. (UT)

I submitted documentation to the credit bureaus on an old account that I did not remove. I am XXXX XXXX XXXX and it looks like I have barely had any credit at all. 

The Credit Union also contacted the credit bureaus and nothing has been done since XXXX! 

I requested that it be resubmitted asap to no avail
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have been in contact with Equifax several times over the past few years. I have two significant concerns with their integrity at this point.

1 ) I have never lived at an address or used a bank to pull a hard credit file in Indiana. I was born and have lived in Michigan my whole life. 
See Examples : Under address : XXXX, IN XXXX Under hard inquires :XX/XX/2016 XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX ) In 2016 an erroneous medical bill was put into collections under my name. I fought it with the local doctor and they called and had it removed from Original Creditor Name XXXX XXXX XXXX XXXX XXXX. I then had to call and advise XXXX XXXX XXXX XXXX XXXX  if they did not REMOVE the claim in full ( I never owed a dollar ) not just show it paid that I was going to take legal action as it was haunting me under my credit report. Somewhere the total got reduced from {$57.00} to {$3.00} and closed. I went through several months of Equifax saying that XXXX XXXX XXXX had to remove it ( not just the {$3.00} but the whole claim as it was not correct ) and XXXX XXXX saying that they had sent everything in and that EQUIFAX was delinquent in updating the information. I have begged, pleaded and threatened Legal action. These responses have all been sent numerous times over the past 6 years to get all three of the inaccuracies off of my credit report. I get no response. The other two reporting agencies do not have either of them on them.

I am asking that you please help me. This is having a significant effect on my credit and is causing me to pay extra for insurances, mortgages and etc.