davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX on XX/XX/18 has an inquiries that I did not request or apply for a car loan threw them on XX/XX/18. I have also filed a complaint with the US Attorney office in regards to the matter of an fraud credit inquiries and proof from XXXX XXXX XXXX to show documents and my signature for a such loan.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MA)

Lexington Law is currently being sued by the CFPB. Our company regularly receives bulk faxes from Lexington Law impersonating consumers and spoofing their number to look like the fax is coming from a consumer and not their company. These faxes come from the same 3 numbers ( XXXX, XXXX, XXXX ) for all consumers and pretend to be dispute letters from the consumer ( including fake signatures ). These faxes are disputing legitimate debts ( violation of the laws governing credit repair companies ) and are coming from area codes no where near where the consumers reside. Additionally they will come o

ne after the other with the address line showing the same number each time but with a different persons name on it. One would have though that with the CFPB currently suing them they would have already stopped this practice, yet it continues every day. Attached are the faxes we received just yesterday from this company. as you will see all faxes are of 1 or 2 formats. They all come from 3 n
umbers. Each number is spoofed to look like the fax came from the consumer. In most instances when we receive these faxes we will contact the consumer to speak about the dispute letter received and in over 90 % of the time the consumer is both unaware of the letter sent in their name and admit that they are in no way disputing that tradeline.
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

This debt collection firm is looking for a person who is not at this number, to whom I am not related nor acquainted, and has not been in the 15 years that I've had it. This has happened repeatedly, and they are again making daily calls looking for this person.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

In 2015 I was the victim of identity theft and credit card fraud. I had over {$40000.00} stolen from my Wells Fargo bank account and my WF credit card was used by the thieves. I have gone around and around with Wells Fargo with police reports and much more indicating I was a victim of fraud. I was told by Wells Fargo to not pay my credit card while the issue was being looked into. I spent months and years working with Wells Fargo and they have me being 90 days late in 2015 as a result of the information I was given by reps at Wells Fargo.
Consumer complaint received 2019-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

IN THE PREVIOUS COMPLAINT WITH CFPB REGARDING THE FACT THAT I PAID AS DIRECTED BY OCWEN FOR THE XXXX MODIFICATION FROM XXXX, XXXX EVERY MONTH, {$660.00} PER MONTH, UNTIL XXXX, XXXX. OCWEN CLAIMS THAT A PERMANENT MODIFICATION WAS SENT IN XXXX, XXXX. IN FACT, OCWEN DID NOT SEND THE PERMANENT MODIFICATION. 
IN FACT, THE PERMANENT MODIFICATION WAS SENT BY AN UNKNOWN LAWYER FROM AN UNKNOWN COMPANY THEREFORE IT WAS NOT RECOGNIZED AS A DOCUMENT COMING FROM OCWEN. THIS IS MORE EVIDENCE OF THEIR ILLEGAL ACTIVITIES. 
THIS LAWYER WAS NOT ASSIGNED TO THE LOAN UNTIL XXXX, XXXX. 
OCWEN REFUNDED THE PAYMENTS FOR THE MONTHS OF XXXX, XXXX, XXXX AND XXXX, XXXX. REFUNDS ARE NOW DUE FOR XXXX, XXXX, XXXX, XXXX AND XXXX, XXXX. THEY CAN NOT BE APPLIED TO THE LOAN.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DFC Global Corp. (TX)

On XX/XX/XXXX I received 3 calls and 3 voicemails from XXXX XXXX whom states she is a process server in State of Texas and I have 2 charges filed against me. My daughters boyfriend received a call from a different number XXXX XXXX XXXX at his private business, XXXX XXXX who also stated she was a process server. She also called my Son last week as well and left same scripted voicemail. She states to contact a company called XXXX XXXX at XXXX. I called them to try and get more information, they stated it was a Moneymart payday loan from XX/XX/XXXX. I told them I filed Chap XXXX Bk in XX/XX/XXXX and it was discharged, they then stated payday loans do not get discharged and she said " good luck with that '' then hung up on me. I called back to get as much information as I could which was not ever presented clearly, I asked where they were located and she would not give me that information or any information about process server. I informed her that bankruptcy was filed and she said that collection would proceed, I could take this up in court or judgment would be placed against me on a debt over 7 years old. They were very argumentative and told me " you can take this up in court ''
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST HORIZON BANK (TN)

XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX. 
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check. 
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful. 

Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused. 

We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days. 

First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue. 

Sincerely, XXXX XXXX. 
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX
Consumer complaint received 2019-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I decided to open a account with venmo XXXX,XXXX the XXXX  , upon signing up venmo ask for your first and last name, venmo does not demand your first legal name and your last legal name... I put my middle names as my first and last name which are XXXX   XXXX  I was successful on sending on transfer to a friend and upon me sending a transfer to bank account that was verified by venmo verification department before I could do a ACH venmo made me verify my identity which I did I put my legal first and last name along with my address and last 4 digits of my SS number, now when my deposit date comes for from my transfer from venmo to my back account.. my back returned the deposit due to the name didn't match my account the name was XXXX  XXXX , I immediately informed venmo of this situation and also informed them that I would will be changing my name back to my legal name which is XXXX XXXX.. why would venmo send a ACH without putting my legal name which venmo verified before even initiating the ACH transfer.. now venmo has frozen my account I don't know where my money is, venmo has asked me to upload my driver's license picture.. which I did with myself in the picture along with a picture of me and my debit card that is under my venmo account.. I have not heard anything back from venmo I have emailed them multiple times the representative doesn't even know why my account is frozen or rather why is there a case even open..
Consumer complaint received 2019-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I was declined credit, after being first approved, upon a hard pull of my Equifax report. I was advised by the lender that I had a split file, and my soft pull file was different from my hard pull file. I was told to call Equifax. I did so on XX/XX/XXXX. After over an hour on the phone with a representative telling me I had no split file, I called the lender. The lender gave me very specific information on what was going on. My soft pull file had only my current name, current address, and a few accounts. My hard pull file had my other accounts, but not the ones that are on my soft pull report, all of my names, addresses, and also had the incorrect birth date. I called Equifax back, asking to speak only to a supervisor, at which time, after over an hour again of discussion, I was finally told yes, I did have a split file. I was advised I needed to write a letter to have my split file merged, and also correct my birthdate, and send this in by mail with identity confirming documentation. I was told this had to be done by mail, and it would take 3-4 days. I mailed everything in on XX/XX/XXXX. I called today to check up on this issue. I was told by the first representative, after over 30 minutes of identifying myself, that I did not have a split file. I went through the whole ordeal again, and told her to read the notes. She finally did and then said it was fixed. I asked her when and she said on XX/XX/XXXX. Not possible. I told her that I had not sent in my documents by that point. She told me no one ever got my documents, but that I never had a split file. This made no sense. How can you fix something that you then say never happened? I asked to speak to a supervisor at which time, yet again I was told I never had a split file, and no one had ever gotten any of my documents. Both of these representatives spoke to me as if I was the one who was lacking understanding, which is not the case. This split file is destroying my credit. I am supposed to be doing a renovation and I can not apply or get approved for what I need as this split file situation makes my Equifax hard pull report over 100 points lower in score than my soft pull file, and files from the other credit bureaus. I can not get through to anyone by phone that actually is listening to me, they claim to not have gotten my mail, the chat specialists tell me to call, and they have no email contact information. I am SURE I have a split file. The Equifax report I can look at is my " hard pull '' file, and is missing many accounts on it. The lender was able to see all those missing accounts that I can not see when I pull my own credit report, and verified the information to me. Equifax is being negligent, and the customer service representatives just circle around contradictory statements and offer no help at all.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Collection Management. Inc (UT)

Consumer Collections Management sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.
Consumer complaint received 2019-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I used XXXX to send payment for football tickets which were never received. I called Chase ( my bank ) and they told me there was nothing they could do and offered no help at all. They wouldnt even give me the merchants info. People need to be very careful using XXXX as your bank will not offer any consumer protection for the service offered.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NM)

I received a letter in the mail on XX/XX/XXXX. It says that they are thanking me for my application for an account with XXXX XXXX financing by Synchrony Bank. They said that they are unable to approve my request at the time. I have no idea what this is about. I have not tried to apply for this. I have no idea what it is. It says their decision was based in a part on a credit scoring system that was used to evaluate my request. It says they obtained information from a consumer reporting agency. I have no idea what they are talking about. My name is XXXX XXXX XXXX is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The address that they sent the letter from is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OK)

In XXXX, I contacted ditech regarding my home mortgage loan, on advice of my bankruptcy attorney. I spoke with customer service at length, explaining my desire to pay three monthly payments in advance, for the months of XXXX, XXXX, and XXXX, and to not have payments all consolidated toward principal on my loan. In addition, I instructed the customer service agent that ditech was no longer allowed to auto-draft payments from my account. The agent confirmed this to me twice, then processed three payments for the monthly amount of the loan - {$1000.00}. 

In XXXX, after I filed bankruptcy, I learned that ditech auto-drafted {$970.00} from my personal bank account, putting me in a hardship during the holidays. I immediately contacted ditech. I spent nearly three hours on hold and was eventually told, after repeatedly raising my voice at the agent in order to get the matter handled, that the auto-draft was improper and the money would be returned. The agent obtained a checking account and routing number and told me the money would be returned. The agent 's name was XXXX. That call took place approximately XX/XX/XXXX. 

In early XXXX, I again called ditech because the money had not been returned to my account. After holding for nearly 40 minutes, as I recall, a customer service agent came on the phone, said they were aware of the need to repay the {$970.00}, and that the repayment is approved, but is awaiting a supervisor 's signature. That phone call took place approximately XX/XX/XXXX. 

Today, XX/XX/XXXX, the money has still not been returned. I have called ditech on two different phone lines. At this moment, I have been on hold on one line for 1 hour and 40 minutes and for 1 hour and 7 minutes on the other. I have requested the legal department, or customer service to help. In addition, I learned today that ditech has transferred my loan to another lender. Regardless, ditech has had ample time to resolve this. I believe this practice is systematic and designed to not be accountable to customers, and to benefit from errors by ditech. 

As I am completing this complaint, the 1 hour, 40 minute call has now rolled over to a survey, and the call hung up. I would like action to be taken against ditech, and I want my money returned.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On, XX/XX/2019 Experian provided (XXXX with credit report about my XXXX XXXX which was totally inaccurate. XXXX  did not have a legitimate reason for this information.  XXXX  then used the crediti report in an inappropriate manner in a lawsuit, as part of an exhibit for the purpose of defaming me. Experian transaction number is XXXX