davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (IL)

Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement.
Consumer complaint received 2020-11-13
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)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed.

I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I had XXXX, then saw ad from XXXX about paying-off contract from XXXX XXXX XXXX. Went to XXXX but had to submit my new cell phone. I paid XXXX amounts of {$96.00} that SAME day before handed the " new '' cellphone. The " new '' cellphone happened to be a refurbished one and to my surprise it never worked. A few days later I called XXXX and explained situation. The representative answer was " My hands are tied, ca n't do anything about that ''. The next step I took was to cancel the account. A month later I received a bill for the month of " service '' that was supposedly used. Again, call XXXX to inquire about the charge and explained about the cancellation ( I had previously ask for a cancellation reference number and was told that they did n't do that ) and that they knew the account was cancelled. Next month ( two months later ) I received another bill for the " service '' they had " provided '' .I did AGAIN the same thing : called XXXX, explain, was given the same " run-around '' excuses and the SAME explanation, " My hands are tied '' ( I 'm sure they have the conversations recorded ). At this point I was ( am ) still extremely XXXX insulted by the business practices of this IMMORAL corporation. I strongly invite you to see my credit scores and history and SEE for yourselves what kind of client I am and most of all, my moral character when it comes business practices and how I deal with my financial responsibilities. At this point I still feel I owe nothing to the immorals at XXXX and actually I'AM the one something is owed to. At this time I want to offer my gratitude for your time in helping unravel this situation. Thanks and feel free to contact me at my e-mail.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian has refused to correct my information from my name to date of birth and even address. I don't use any address but a XXXX XXXX for many years and they added several without getting the information from me. They got the information from a creditor that I have never done business with and refuse to fix it. They have many names that are not mine and my date of birth is wrong and continue to refuse to fix. I have made several calls to them about this and still refuse. You can't verify personal information from a creditor that I have not done business with.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX out of his XXXX and wanted to get the XXXX sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In reviewing my credit report last year, it came to my attention that there is a derogatory and incorrect piece of information on my credit report. I contacted the company, XXXX, XXXX.directly and I provided the XXXX credit bureaus with the same information in XXXX 2014. I requested that XXXX, XXXX provide accurate information to the credit bureaus regarding this account. Specifically, XXXX , XXXX inaccurately reported a civil claim against me for an account that was paid in full when I learned that it was due and PRIOR to a court decision being rendered. To date, I have not received a response from XXXX , XXXX or any of the XXXX credit bureaus. This information remains on my XXXX and TransUnion reports but has been removed from my XXXX report.
Consumer complaint received 2016-05-24
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MI)

XXXX bank in Michigan refuses to cash a check drawn off their bank to a non customer unless the customer opens an account called XXXX. I have proper state issued drivers licenses and XXXX other forms of acceptable governmental ID. I do n't bank with them nor do i ever plan to but they should be required to honor checks written from their customers to others. I was told it was a federal regulation that required me to open this XXXX account. When I asked what federal regulation stated that " i am in banking and know every regulation like the XXXX '' I was told well we dont know but its a federal regulation and you MUST open this account.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Russell W Richardson, Attorney at Law (GA)

I received a message from my ex sister in law of 20+ years that she was contacted DFC Legal wanting to know information about me and to leave a message for me to call them. The woman told my ex sister in law that I " would be very happy to hear from them. '' My ex sister in law has been divorced from my brother over 20+ years now, she has remarried and has n't gone by our last name for over 15 years. As a matter of fact, she is now a widow and has returned to using her maiden name. She does n't even know how they got her telephone number or put together that we were related at one time. Also, I have no outstanding debts to be collected. All of my debts are current and there is no reason for this company to be contacting me or any one that I know. I have had the same telephone number now for about 14 years and I 'm sure they wanted to contact me ; my information can be found very easily.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX reports my mortgage was in collection and charged off which is not correct. XXXX has not investigated this matter properly. XXXX can not show me or XXXX any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Transunion shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Transunion with loan details showing I was not in collection and there was no negativity on my account. Transunion could also review past credit files to see XXXX never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I 'd like to dispute all of the credit inquiries on XXXX my Transunion report and my XXXX report. I have XXXX on Transunion and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my Trans Union credit report it shows a bankrupcy Chapter XXXX Dismissed Reference number-XXXX, I was going to file but never did the attorney I had at the time sent in the papers. XXXX XXXX was my attorney she should have not sent in the papers. As you can see it was filed on XXXX/XXXX/2008 and dismissed the day after XXXX/XXXX/2008. It has been 8 yrs this should not be on my report never went to court never did a bankrupcy proceding or anything.
Consumer complaint received 2020-11-13
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: AES/PHEAA (MD)

The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX, XXXX XXXX US XXXX XXXX XXXX. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Consumer complaint received 2020-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (UT)

My bank account has a user that is using credentials we both didnt create nor still have access to. XXXX and XXXX should NOT STILL BE ON THE ACCOUNT since I have not had either that email or number in several years
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In 2008 I received a bill from Capital One, account was opened in XXXX 2008, we contacted them and told them we had no account, did not apply, had not gotten a card, wanted no account, owed them nothing ( no transaction had been made ) and wanted it closed immediately, they said ok, it was closed. unknown by us, there was another account supposedly opened XXXX, ( a month before the other one, is n't that kind of odd? ) we never got a bill, never got a card, never applied for an account, just as we told them about the other one but this is now 7 yrs later and last month we got a bill or {$100.00}, I called and told them I did not have an account, did not want an account, did not make any transactions, do n't have and have NOT HAD a card yet we owed money? This month we got a bill again for {$100.00}, I called again, they will not close the account unless we provide them with all the information needed to open an account, NO WE WILL NOT GIVE THEM SS #, BIRTHDAY, FULL ADDRESS, so they can build an account? They hung up refusing to pull up the account with the account number, last digits and year of birth, so we have never had a card, never bought a thing, and they had negative information on the credit and a bill of {$100.00} that is growing by late fees and interest AND WE ARE NOT THEIR CUSTOMER. WE BOUGHT NOTHING. WE HAD NO IDEA FOR THE LAST 7 YEARS THAT THE ACCOUNT WAS OPEN. I want the negative information removed, not shown as paid but shown as charged without permission, and the account closed. NOW. I am thinking of buying a car and I want this removed, without having to provide them with any of my personal information because I never provided it to them in the first place. The CAP ONE XXXX attachment is the " other '' account that apparently was opened a month after the account in protest, the reporting in erroneous as well, we never had a card or made any transactions as soon as we found out about it, we closed it, we never knew about this one until last month. Why would they open more than one account within a month of each other? We never applied to open an account at all. 
thank you
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I took out credit card as a XXXX. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CO)

1. On XXXX XXXX, 2015, my wife presented her Chase MileagePlus Awards XXXX credit card for the {$3500.00} fee. The transaction posted on XXXX XXXX, 2015. 
2. On XXXX XXXX 2015, she contacted the merchant and presented my MileagePlus Club card for the {$3500.00} fee and was told by the merchant that the charge would be reversed on her card and the merchant provided a reference number for the charge reversal - XXXX. 
3. I did make payment on the full balance of my card for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
4. When the reversal did not appear on her statement she initiated a formal dispute of the charge. She was instructed not to make payment. 
5. The dispute resolution department has examined the documentation provided twice and determined " that the transaction was valid. '' 6. Despite the fact that I made full payment for the services rendered on my card, despite the fact that she was instructed to withhold payment : a ) Chase has continued to assess her financing interest ( easily corrected ), b ) and more importantly, Chase has notified the credit agencies of an adverse determination ( possibly irreparable damage to her credit )
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (TX)

I am fuming over this. I had a Dillards American Express for years from back when I worked there, they paid us on it. Anyway, unfortunately I kept a balance on it until XX/XX/XXXX when they closed my account over late payments. I paid it off after that and did n't worry about it, until I went to my credit report and saw they marked me as XXXX late payments and closed my account, hitting my credit score hard. I then went back though some of my statements in XX/XX/XXXX, and I saw they charged me : Mind you, my payment was due on the seventh of each month XX/XX/2016, {$25.00} late fee, when I paid on XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX I called them after I researched it and they said in 7-10 business days I 'd have a check for the {$95.00} total. I waited, nothing. I called last week, they said 1-2 more days, I waited, I called tonight ( I work XXXX ) and they said it was just getting to research since they 'could n't see the fees ' and that I should call them in a week. I contacted my credit agency and filed a change for the late fees, and it was resolved.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO. (FL)

They are mixng my name with my dad. His name is XXXX and my name is XXXX. They are also mixing my address with my dad. My XXXX lived before XXXX, XXXX, NJ XXXX. I have never live there before. My XXXX now lives XXXX, XXXX, fl XXXX. 
I live now at XXXX XXXX, fl XXXX Before that Live at XXXX, XXXX, fl XXXX before that XXXX NJ XXXX. 
Please Help me fix this problem. 
XXXX XXXX
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have requested that the XXXX account XXXX be removed from my credit file as it does n't belong to me you responded back saying that you had updated the information bite it looks like everything was fine with the account until XXXX where it was 30 days behind and now for the last 3 months they 're not even reporting it says XXXX the account does not belong to me the bank is not even reporting on it if you 're going to keep it on my account then I expect you to show me the steps you took to prove that the account belongs to me not just taking their word for it I clearly have a history here in the last year of fraud there were a lot of accounts removed I 'm not quite sure why this XXXX is still on here but I would like it removed permanently as soon as possible thank you