davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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. (MO)

XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA
Consumer complaint received 2020-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Im Chase Bank customer and on XXXX around XXXX I deposited exactly {$1000.00} in cash ( XXXX {$20.00} bills and XXXX {$100.00} bills ) in the Chase drive thru ATM located at XXXX XXXX XXXX XXXX XXXX but the deposit didnt go through and the ATM didnt print any receipt but I took a picture from the screen and went into the branch to ask an employee what to do. The employee XXXX XXXX just told me to call the customer service showed on the screen because they have no access to open the ATM. 
I called customer service at the same day around XXXX and opened a claim, and the funds were posted on XXXX. I had several debts and doctor consultation to pay and I was behind on that bills. 
On XXXX my funds were took from my account, they called claim reversal. I called customer service and they just stated that the investigation department didnt find anything wrong on that day, I argued that they can check the cameras located at the ATM, and in the drive thru but they refused to do so and refused to provide me any additional evidence.

I went to the branch on XXXX asking for help to the manager XXXX XXXX that called customer service and told me to wait. I had to pay my credit cards and really needed my money back. 
On XXXX I went to the branch one more time asking for help and XXXX XXXX helped me to submit a picture from the ATM screen but on XXXX I got a letter from Chase stating that the transaction was processed according the information I provided and no adjustments will be made in my account. 
Im struggling to keep my daily expenses such as pay utilities bills, groceries, credit card because my account is overdrawn since XXXX. Is unacceptable Chase Bank that supposed to protect my money simply took off from me, sounds like a robbery.

Im being very detailed to make easier to Chase make all the investigation necessary and put my money back in my account. If Chase can check the footage from several cameras surrounding and the ATM camera this issue can be easily resolved.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX : XXXX XXXX XXXX. 
Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX BALANCE : {$7300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

This loan was fraudulently taken out under my name. I did not live in Utah at the time, and I was not attending college in Utah in 2010. Transcripts will show that I was taking classes in Wyoming. This has been ongoing since 2010.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (FL)

In XXXX, my divorce became final and in XXXX I requested to refinance my mortgage loan. The representative told me I can't refinance my loan until after 2 years from the finalization of my divorce. At that time the rates were much lower and I could have refinanced with a lower payment. I lost my job in XXXX, then the Pandemic happened and I wasn't to find employment and I had to file for Chapter 13 Bankruptcy. I'm currently in a Chapter 13 Bankruptcy Plan, my mortgage was modified outside the Chapter 13 Bankruptcy Plan, the Trustee setup the payment plan amount for monthly amounts. Then, the mortgage company mailed me a modification plan attached ( see mortgage loan modification letter attached ) with a much higher amount then what's listed on my attached statements from the mortgage company, which list the payment plan amounts the Trustee setup ( see mortgage statement attached ). I was speaking with my Relationship Manager and he told me the amount on ( see mortgage loan modification letter attached ) is the amount I must pay and at the scheduled time. I couldn't make that payment because it was higher then the amount on ( see mortgage statement attached ) and I was receiving conflicting information from my Relationship Manager. I asked for a forbearance and they declined, when I didn't make the payment they withdrew from the Chapter 13 Bankruptcy, had the stay order lifted and filed for foreclosure with a sell date on XX/XX/XXXX. The Mortgage company is an affiliate of Ocwen Mortgage Services. I'm a XXXX XXXX XXXX XXXX and I don't want to lose my home. I've lived in my home for 25 years and I don't have no family here and no where to live and I don't want to be homeless. I asked the XXXX XXXX from the mortgage for more time to pay the much higher modification amounts and they sent me an email ( see email attached ), the same day stating if I don't make that payment the modification will be declined. I told him this isn't fair because they sent me the morning of the same day they ordered me to make the payment. I want this mortgage company to be investigated for changing the repayment plan amount to a much higher amount then Trustee ordered and to have the sale date canceled and to give me a stay.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BMO Bank, N.A. (WI)

Approximately 3 months ago I received a credit card in the mail from BMO Harris Bank. I did not order this credit card, ask for it, apply for it, nor did I make the activating phone call noted on the back of the card. I mailed a note to BMO Harris Bank on XX/XX/2019 explaining the above and noting the card has never been used. To date I have received no mailings and/or reply from BMO Harris Bank, only a billing statement asking for the yearly fee of {$80.00} due on this card. Three statements have followed, stating in addition to the yearly fee, fees charged and interest charged now total {$180.00}. 

I am an XXXX year old female, and I consider this an unfair and deceptive practice.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-04-29
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: Southern Auto Finance Co (GA)

To : SAFCO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed SAFCO put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my XXXX XXXX. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (RI)

On XX/XX/2020 I sent a request for documentation to Specialized Loan Servicing Consumer Complaint Division. I requested three specific types of documentation, all related to fees I was charged at closing that I believe were unallowable, unreasonable, or not incurred, including attorney fees for services that were undocumented, unnecessary or not-incurred. 

I requested, by XX/XX/2020 : 1. A detailed itemization of outstanding fees/corp. Advances 2. A full explanation for a {$1000.00} error in the last payoff statement provided by SLS, good through XX/XX/2020, and used at the XX/XX/2020 closing. 

3. A final, detailed accounting for the full {$8700.00} escrow/impound advance balance. 

As of XX/XX/2020 I have received no response, by email or post. 

I did receive a " payment notice '' with additional charges added to the " past payments breakdown. ''
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

To Whom It XXXX Concern, In retaliation against me and my business by JP Morgan Chase XXXX, my online profile was locked out preventing me from accessing funds and statements ( XXXX ). Despite numerous attempts on the phone, email and in person they would not unlock the accounts so I could access the funds, statements, points, etc. 

At the request from from JP Morgan Chase XXXX, I was instructed to go into the branch to access the funds and statements. I visited the XXXX, MI branch on XX/XX/XXXX and worked with the branch manager XXXX XXXX. She also refused to restore access and also refused to print all my statements so I can reconcile the account.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I went over my Transunion consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Transunion to report accurate and verifiable information only. Transunion is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Transunion and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose
Consumer complaint received 2020-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX