davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

I was contacted by someone from the phone number : XXXX ( XXXX ) XXXX They said it was Chase bank and that someone had tried to open a bank account under my name and wire money via XXXX. 

They then transferred me to " XXXX '' - this phone number : ( XXXX ) XXXX XXXX. 

They said they would cancel the wire transfer that had happened but that there were 'ghost ' transfers happening that I wouldn't be able to see from my XXXX and to counter act two transfers that were fraudulantly made to a XXXX XXXX , I should go into my XXXX and send {$500.00} to the void code XXXX, nad {$1700.00} to the void code XXXX. 

I understood that this was a scam and told them I was going to hang up and call Chase back on their customer number, so I didn't fall for it, but wanted to report this scam and this line of phone numbers. They also have me recorded from early in the call saying yes and no with my voice, so is there any way I can ensure they can't use that information ( paired with my phone number ) against me in a fraudulant way?
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I opened a secured credit card with Fifth third around XX/XX/XXXX. I decided in XXXX of XXXX that this card was not helping my credit and I wanted to close it. I called the number on the back of the card and told them to close it. They told me they were closing it however I had to pay off the {$260.00} and some chane that was owed on it and the would deposit my {$300.00} into my account 30 days after I paid the card off. However, they opened another card without my permission and on my account and allowed someone to process charges on it and when I told them I didn't make the charges they flagged it for fraud and told me the account couldn't be closed until they investigated. XXXX weeks later I received a determination that the charges were fraudulent. So I called them to have them close my account but was told that the fraud department had to take the block off my card before it could be closed and that they were sorry someone had only closed my card and not closed the account and this was why another cars was generated. So when they transferred me to the fraud department they told me they could not help me until someone from my local branch called them. I called my local branch and spoke with XXXX XXXX and he told me that is not how that works and that he would look into this and call me back but didnt. By this time they have closed and opened XXXX cards without my permission each time they closed telling me they were reporting it to the credit bureau. Which they did. I spoke to a woman at the bank XX/XX/XXXX. She told me it was all taken care of and I would get my money back XX/XX/XXXX which is way after the 30 days. But they have since opened XXXX more cards and let charges go through and sent it to the fraud department. I need my money
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC (IN)

I have been working with XXXX XXXX XXXX ( XXXX ) for XXXX years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission. The assumption is now under review. ( attached document ). This process has taken so long due to the fact the mortgage company would not accept the Legal Affidavit submitted by my attorney. This affidavit is the legal document required for XXXX for the Deed. XXXX have just accepted this document in the past ( approx. ) 2 months. 

XXXX stopped the Sheriffs Sale for XX/XX/2022. However, their attorney and/or XXXX  has XXXX my home back on Sheriff Sale for XX/XX/2022. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales. XXXX stated at this time, a package was already put in for my home to be put back on sale. This package, to put my home back on the sheriff 's sale, was prior to my due date to get in all docs to the mortgage company. The mortgage company and/or their attorneys submitted my home for sale PRIOR to the stated due date. I can understand if I did not comply, but I did. How can this happen when they stated this due date and stated in a letter I complied on time? ( Letter Attached ) I need my home taken off the XXXX sale, and future sheriff 's sale dates, to give me and the mortgage co. time to get the assumption completed and then to bring the mortgage up to date via loan modification ( or another way ). Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the company.
Consumer complaint received 2024-07-26
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. (MI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-03-10
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. (VA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RFNA, LP (AL)

This debt was wiped away/made null and void per the vice president of the company via a phone call he made to me several years ago due to his acknowledgement of unlawful/predatory practices used by Republic Finance LLC and it has still been reporting on my credit, infact, the debt has been growing by around XXXX dollars every month from what research i was able to do. It is showing up on my credit as a debt of about XXXX USD and this is false information. Please correct this asap. Remove this from my credit. This is not acceptable behavior from a creditor. They've been dragging me around by the neck from DAY 1 of our interactions. Do not do business with Republic Finance -- Ever.
Consumer complaint received 2022-10-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-24
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. (MS)

TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (FL)

Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by XXXX.
Consumer complaint received 2022-10-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-24
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-24
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: Nelnet, Inc. (OH)

I have disputed these XXXX duplicated loans for over several months. I know the all loans are closed XXXX balance thats not the issue I only took out XXXX loans period not XXXX the loans the XXXX loans for XXXX and XXXX for XXXX making it XXXX loans on all 3 credit bureaus when originally I only had XXXX loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took XXXX loans and that what should be on my report s not duplicate loans look at the amounts and the dates please
Consumer complaint received 2023-02-12
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: Spring Oaks Capital, LLC (TX)

since the beginning of XXXX of 2022 I sent correspondence every month asking for this company to validate this debt by sending the original agreement and a audit trail of all interactions with this company. I understand that this is my right as a consumer to request this information and if it is not sent to me i have the right to request this account be completely removed. The company continues to send automated correspondence of them acknowledging that they received my request as if my info is being read from a computer not a person.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (VA)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2023-03-10
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. (TX)

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX, Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-03-10
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)

This CFPB complaint is to follow up any response from the Credit Reporting Agencies after 30 days of investigation. As I reviewed my Credit Report, I noticed that there are still accounts that are reporting erroneous and incorrect information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00} and XXXX XXXX XXXX Balance : {$340.00}.