davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport and social security card for your files. I am constantly having a hard time being able to have someone help me when I call. They asking me security questions from stuff I cant remember 2 years ago. Please put these documents in your files so it can be easy for me to talk to someone if I ever have to call again.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (GA)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to complete my final payment for rent and services while living at one of their apartments XXXX XXXX. The payment was completed and I understood I owed {$0.00} to the company. 

On XX/XX/XXXX XXXX XXXX XXXX charged me {$490.00} for closing fees on an apartment I was renting. 16 days later ( XX/XX/XXXX ) they wrote off the {$490.00} without attempting to contact me to settle the payment. 

Since XX/XX/XXXX I have not received any attempt or notice that I needed to pay any money for any type of closing fees until XX/XX/XXXX which I received a letter from a Hunter Warfield who is now attempting to collect this {$490.00}. 

My issue is I was charged {$490.00} on XX/XX/XXXX, on XX/XX/XXXX the debt was written off without a single attempt to contact me. Then nearly two years goes by and now Hunter Warfield is contacting me saying I owe money. 

I would also like to note that I spoke with an associate of XXXX XXXX XXXX who told me in XX/XX/XXXX the were having issues with their system. 

I am very confused how a company can charge me hundreds of dollars, write off a charge in 16 days, wait nearly two year never contacting me, and then give my debt to an outside debt collection agency.
Consumer complaint received 2020-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-06
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. (CA)

The Following Inquires should not be on my Transunion Credit Report, and were not authorized. 

XXXX Bank XX/XX/XXXX TransUnion, XXXX Bank  XX/XX/XXXX TransUnion, XXXX Bank  XX/XX/XXXX TransUnion, XXXX Bank XX/XX/XXXX TransUnion, XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion, XXXX Bank XX/XX/XXXX TransUnion.
Consumer complaint received 2019-06-19
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: National Credit Systems,Inc. (MO)

I want to say i have live in the apartment XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XXXX XXXX. i reach out to XXXX/XXXX/XXXX plus natinal credit. 2 creditor have removed and XXXX is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to national credit ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was killed outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am looking for a roommate in my apartment. someone contacted me via email named XXXX XXXX XXXX saying he is working for XXXX. he said the company will be sending the travel expense on my name and i would have to take the amount and transfer to his travel agent so that he will get tickets and come to XXXX. everything went okay and he told me again that by mistake his company HR issues two checks under my name and i have to deposit and mobile check and i have to transfer the same to other accounts. he asked me to keep {$300.00} as a token of advance for the shared room. but next day, i lost my money {$4500.00} from my bank account. I called them and they said that funds are not available under the account which check was issued. then i called XXXX and he says he is trouble and car met with accident. there won't be problem at all the money would return to your bank account soon. after two days he is not responding. then i read something about this fake check scam in internet and understood that i was bullied. I received two checks from that person : check 1 : XXXX  XXXX, check No : XXXX, date:XX/XX/2019 check 2 : XXXX XXXX, check No : XXXX, date : XX/XX/2019. 
he asked me to deposit these checks and asked me to transfer these checks to these persons : XXXX XXXX, XXXX and XXXX XXXX, XXXX. he is always contacting me in email and text. he never picked my phone. 
wired transfer to the below numbers : XXXX XXXX,XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX , XXXX - XX/XX/2019 - {$2000.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$1700.00} USD Original Contact who initiated this scam : XXXX XXXX XXXX Phone:XXXX,XXXX FAKE BANKER : XXXX PHONE : XXXX Police Case XXXX : XXXX, XXXX sheriff office
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I was a victim of identity theft in XXXX. I have had several other phone bills in my name from multiple different states and companies. Please look into this. I've only had sprint in XXXX and that was on someone else 's plan. I'm in the middle of recording my credit and now my score just took a bit for 50 points. I would like my points back please.
Consumer complaint received 2019-06-20
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 (NY)

I have been running into issues with Bank of America as it pertains to transactions being charged to my accounts multiple times. I do not believe this is an isolated issue. Also, when I submit disputes, often I do not hear back. The most recent issue pertains to a payment made to the US Treasury Department for a {$200.00} payment which was taken out of my account twice. I contacted BOA on XX/XX/XXXX. I still have not received a full resolution. Also, I do not feel this is the first time my account has been double charged. I have multiple disputes with the company at this stage.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

Chase levies an automated late fee on my XXXX XXXX XXXX because it fails to credit payments as advertised, the same day that they are made, when they are paid electronically directly from my JPM checking account. When asked about this failure before and when I complained in the past about this, Chase claimed that it automatically issued a credit to offset the late fee. 

I just looked at my credit card account online and Chase is failing to do what it claims it does. While it has an automated late fee debited to the account, no automated credit made simultaneously is being made. As I indicated in previous CFPB complaints about this card, Chase rapidly debits the account while credits lag behind, if they are made at all. 

An electronic payment of {$440.00} was made from my JPM checking account on XX/XX/2019. This was the payment due on that date. Nevertheless, a late fee of {$25.00} was debited to my account on the same date with no credit made at the same time to offset it. 

Why is Chase allowed to automate phony debits and lie about issuing offsetting credits? Credits are not automated and tied directly to phony debits, as Chase claims. 

Why is Chase allowed to falsely advertise that payments made between two JPM Chase accounts are credited the same day that they are made? This is a multi-national, multi-billion dollar company. Why does the CFPB tolerate tiresome, hackneyed " back office '' excuses from such a company that will not invest in lawful automated systems? Why is the CFPB complicit with Chase ripping off millions of US citizens? 

Why isn't the CFPB enforcing the law and effectively protecting the public from widespread, habitual, and wanton gouging by Chase?
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Telephone calls 2-3 times daily from a company named XXXX XXXX, also voice messages left stating company has an informational packet that will be given to my place of employment or residence. XXXX   claims debt is owed exceeding {$800.00} but willing to clear debt for payment over {$500.00}. Claims debt is originally owed to HSBC bank with a last payment remitted as of XX/XX/2013. I stated NY state has a 6 year statute of limitations ; and she said I am just a person trying to get out of paying a bill. The person, a Ms XXXX became belligerent and abusive on the phone ; I was not going to stay on the telephone line to take that abuse. 
I have also contacted HSBC bank on two separate occasions to resolve the matter, but HSBC bank will not investigate the matter without myself providing my SSN. I made the argument that the bank already has my SSN ; why is it needed again. I asked if it their bank policy to hand out money without getting a persons SSN in the first place. To sum it up ; HSBC did not want to resolve the matter.
Consumer complaint received 2020-10-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE XXXX DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BKPT CT OH XXXX  All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

My previous balance was {$1800.00} including interest charged for the month of XX/XX/XXXX and payment due to XXXX.I was fully paid the amount of {$1800.00} on the due date XX/XX/XXXX. 
Now, I checked online my Barclaycard credit account and I noticed they charge me for another interest charged of {$34.00} and due to XX/XX/XXXX. 

I called that company and I spoke the manager XXXX.I told her Im fully paid last XX/XX/XXXX and I dont have any credit balance why I have still interest charged of {$34.00} and due to XX/XX/XXXX. 
She said thats my accrued interest charged and she refused to waived that amount. 

This not fair in my side.How I cant get interest charged again, Im fully paid and I dont have balance in my credit account.
Consumer complaint received 2020-10-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (VA)

On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from JPMorgan Chase Bank ( " Chase '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein Chase clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon XXXX XXXX XXXX ( " XXXX '' ) becoming the servicer for said transaction in or around the year XXXX, XXXX begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within Chase 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or XXXX  caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by XXXX that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, XXXX created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX XXXX since XXXX as seen within Exhibit 4.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC (TX)

My name is XXXX XXXX ( formerly XXXX XXXX ) and I was a previous student in XXXX University 's XXXX XXXX XXXX in XX/XX/XXXX. In XXXX I suffered health issue and was unable to continue my classes. I received a bill in XX/XX/XXXX for {$2900.00} due to me dropping classes at a certain point. Fast forward to XX/XX/XXXX, and I am not attempting to purchase a house and there is a recent inquiry from Sunrise Credit Services on my XXXX  credit report. Unbeknownst to me I did not receive any letter or notification of this new debt that has a date of XX/XX/XXXX. Sunrise Credit Services Manager XXXX XXXX, claims that XXXX refuses to negotiate this debt. I spoke to three representatives at XXXX XXXX XXXX XXXX XXXX  that stated the account was indeed sent to collections on XX/XX/XXXX. According to Mr. XXXX, XXXX and Sunrise Credit Services did not become affiliated until XXXX. I am very upset that this recent inquiry is jeopardizing my livelihood and attempted to ask for some resolve from Sunrise Credit Services. I have never received any letter or any form of documentation of the account. All I have is an account number : XXXX
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC (CT)

I took a loan with XXXX XXXX on XX/XX/XXXX when I need necessary car repairs and had no other options. I signed an agreement and tried my best to make bi-weekly payments of {$71.00}. On XX/XX/XXXX I sent an email to the customer service dept. explaining I was having difficulty making the payments and could they please lower the interest rate or work with me to make smaller payments so I could pay back the money faster. They refused and I have been bombarded with text messages, and calls ever since. 

A recent text message offered me the chance to get my account back on track if I paid {$10.00} and then set up a once a month payment. I paid {$10.00} on XX/XX/XXXX and then had set up a payment of {$100.00} on XX/XX/XXXX and thought from what the email indicated they would be taking a {$100.00} payment per month going forward. However, they took {$71.00} on XX/XX/XXXX and tried to take the additional {$100.00} on top of that. I have contacted my bank to stop any further EFT withdrawals from this company as they seem to do what they want and I can not afford to have unexpected withdrawals from my account. 

I feel like this company is taking advantage of people who have no other means of getting assistance to pay for unexpected expenses and are just setting people up to fail with charging almost 100 % interest rate!!!
Consumer complaint received 2020-10-06
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX : XX/XX/1998 SSN:XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

I am an American with a XXXX and a XXXX. I have repeatedly told PNC that I have health issues that prevent me from online banking. I have also other XXXX. 
Despite this PNC continues to charge me for a banking statement. 

Without me even trying to access the voice banking I was notified my voice access was suspended. I am not able to go to a bank due to my health issues. 
A fee of XXXX USD with withdrawn. 
I need to receive paper statements as a XXXX person without having to pay for it under the ADA