davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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. (NM)

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. 

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 : It also 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

Portfolio recovery account is Fraud account XXXX XXXX XXXX  is mine debt
Consumer complaint received 2018-10-25
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: JPMORGAN CHASE & CO. (NV)

Chase mortgage account # XXXX this account is over 8 years old and Chase still report to my credit. Please stop reporting this account to my credit report, account too old.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NE)

My mortgage is at about 6.5 %. Refinancing sounds like a good idea -- as far as getting a better rate, lower payments, etc. -- but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage -- original bank, inspectors, appraisers -- seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. 

Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about this?
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2018 I noticed a garnishment on my paycheck in the amount of {$500.00}. My employers payroll department said that a collection agency had placed a garnishment on me for a total amount of {$2900.00}. After work that same day I went to the agency to find out what this was about. After looking my name up they could not find any garnishments so they looked up my social security number and it turns out they had placed my SSN. After determining that I was being wrongfully garnished they gave me a release of garnish paper and said that they would refund the money they took from me and that they would contact my employer to stop the garnishment immediately. On XX/XX/2018 I checked my next paycheck and noticed that the garnishment was not removed and they had taken another {$370.00} from my paycheck. This makes a total amount wrongfully taken from of {$880.00} so I called my payroll department and they informed that they had not received anything at all from Professional Finance Company stating to release the garnishment. At that moment I asked if I could email them release of garnish letter that I received two weeks ago. After work I went to talk to PFC to see why they had not notified my employer to stop the garnish. The so called agent behind the counter named XXXX said that they had talked to my employer earlier today. I asked for an explanation why they had not notified my employer to stop the garnish and all that person said was he did not know. When I asked if there is someone who could actually answer my questions he said " no there's no one. '' Then I asked to talked to someone above him, he brought out a lady that was also no help at all. She tried telling they had sent the notice by mail. I asked for when it had been sent and she could not or would not give me an answer. At this point that lady noticed I was recording them and had that XXXX guy tell me I could not record them. Then I mentioned that it is my constitutional right to record anywhere in public. After I said that lady walked way and the guy kept saying they don't consent to being recorded then refused to talk to me and walked way as well. This XXXX guy is in my opinion useless and incompetent and should be fired.
Consumer complaint received 2019-01-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XXXX, XXXX statement there was a mathematical error in computing a 'new total balance. ' From the amount of 'previous total balance ' of {$64000.00} there was deducted a payment made in previous month of {$1400.00}, added a ne charge of accumulated interest of {$240.00} which should have produced a 'new total balance of {$63000.00}. Instead a 'new total balance ' was provided as XXXX of a fraudulent increase of {$400.00} for no apparent reason. On XXXX, XXXX the amount of unexplained difference increased to {$400.00}. On XX/XX/XXXX I and my husband visited the local branch of Citizens bank and asked to correct the computational mistake. Instead we were told that the increase is a penalty if we prepay the loan before 3 years. This is a XXXX because in computations there is a line for " fees ' where that amount should have been mentioned if the computational equation should have ended in the 'new total balance ' of {$64000.00}. Moreover, why that amount has never been reflected in the computations since XXXX when the loan was initiated? Why that unexplained " charge '' appeared suddenly on XX/XX/XXXX statement?
Consumer complaint received 2018-10-25
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: Navient Solutions, LLC. (NJ)

My Navient student loan account is in forbearance. 

Navient has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for Navient not to be updating the credit bureaus with the correct information.
Consumer complaint received 2019-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.
Consumer complaint received 2018-10-25
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: CNG FINANCIAL CORPORATION (WI)

was notified of a collection added to my XXXX report from a company called XXXX XXXX XXXX today XX/XX/XXXX for a check n go account. This is from XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations
Consumer complaint received 2018-12-18
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. (CA)

CFPB on XX/XX/XXXX Equifax reported to you that account XXXX was removed from my credit report I never received any document stating that. On XX/XX/XXXX in there changes to credit report it stated it was removed BUT NEVER WAS REMOVED NOT ONE TIME on XXXX again I filed a case still was not removed on XX/XX/XXXX after I phoned them about this the changed the account to charge off,? what changed that they Equifax can play games like this with out any violations XXXX to you CFPB, FTC, OCC, myself this has gone on for over 9 months now with me stating they are playing games and stalling { ling to you on response } remove this account for false reporting and please investigate the way they are doing there reporting. Equifax please explain how you can change you investigation from one thing to something else, are phone conversation you stated I had to wait the 30 days XX/XX/XXXX but you changed report on XX/XX/XXXX you stated you recorded are conversation which can be used against you. Remove this account also you were required to send a 5 day resertion letter never happened. Stall and games supporting Documents enclosed
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This company furnished my credit report without my consent. XXXX sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, XXXX sent me in the mail but STILL havent updated my XXXX  credit report
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has been turning against good customers! Closing their accounts! 

Doing that to customers with perfect payment records! 

Demanding to see confidential documents! 

Demanding that customers with firmly established credit card accounts co-operate with intrusive mortgage-application style onerous processes! 

Threatening to close all their Amex accounts if the customers don't agree to above stated outrageous demands!
Consumer complaint received 2018-10-25
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. (CA)

While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, XXXX, and Experian. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX XXXX. This is despite the fact at the time I had a valid XXXX account in my home in XXXX, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, XXXX, and Experian to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX 's and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  XXXX address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX  discontinued my service and claimed I owed them over {$900.00} for service in XXXX   XXXX. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX  correct this issue, I filed a complaint with the XXXX   Attorney General. XXXX   eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed.

XXXX XXXX   fraudulent inquires : XXXX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX/XXXX XX/XX/XXXX EXPERIAN fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX  Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
Consumer complaint received 2018-10-25
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. (SC)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX  XXXX  : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, Unknown Equifax : XXXX XXXX, Unknown Equifax : XXXX.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NJ)

Sent letter with attached application, copy of passport and utility bill to XXXX over four weeks ago asking for annual disclosure. 

I called XXXX last week asking for another report to be sent because I never received the first report. 

I have still have not received my XXXX report.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

On XX/XX/2021 I linked my mothers bank to my chime account because she was going to send me XXXX dollars. Her bank sent two deposits as a security measure, one for XXXX cents and the other for XXXX cents, they were both successful. After the security clearance passed, she sent me the XXXX dollars and chime denied the transaction, still confused why, they allegedly returned the money to her account, I was notified that it would take 1-3 business days. Since, Ive spoken with numerous operators and theyve just notified me to wait longer. Today XX/XX/2021, I asked to speak with a supervisor, and he let me know that the money should have been back instantly and that at this point there was nothing I could do. I never gave information about the Chime account to anyone and the small transactions were completed successfully, even returned successfully immediately, but the XXXX dollars disappeared.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I opened a PenFed account on XX/XX/XXXX and applied for a car loan. The loan was completed XX/XX/XXXX and the representative mentioned there would not be an additional credit pull, they would use the first original one from XX/XX/XXXX and that it's good for up to 90 days from application for opening any accounts. 

I received an alert today on my XXXX  that they had pulled my credit today without my consent or authorization based off my conversation with the representative on XX/XX/XXXX. I should only have 1 credit pull based off my authorization and conversations. 

I have reached out to PenFed again XX/XX/XXXX and they mentioned that they should have told me that they might still need to pull credit. That was not disclosed at all. 

I a greatly upset with the service from PenFed that I will consider not even doing business with them now. 

Please remove this unauthorized credit pull
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX financed our XXXX XXXX XXXX, in XX/XX/XXXX, I called XXXX and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/XXXX, my husband contacted XXXX XXXX XXXX to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered XXXX placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most XXXX representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
Consumer complaint received 2019-01-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX  are this XXXX XXXX XXXX XXXX XXXX  as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.