davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

Hello, I was scammed by a car dealer. I made a transfer for the purchase of a XXXX XXXX car from the USA on XX/XX/2023. from XXXX, the office of XXXX in XXXX. After sending {$3000.00} to XXXX XXXX XXXX XXXX XXXX they sent me an invoice that is missing the VIN number and engine number, shipping document and tracking number. Kindly track your shipment : XXXX XXXX XXXXXXXX Tracking number : XXXX They asked me to transfer another {$1700.00} to them for insurance and other expenses. In XXXX  they are under the name XXXX XXXX, and I was chatting with XXXX XXXX. 
I sent a request for the return of the transfer from my bank XXXX XXXX XXXX but so far there is no response from JP Morgan Chase Bank . 
I would appreciate it if you look into this case and find out who is behind this scam.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my Trans Union Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either. The other two credit bureaus, XXXX  and XXXX  have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that Trans Union reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

In 2010 my husband and I were struggling financially due to an accident that left my husband unable to work at that time. Consequently, we obtained the services of an attorney. We were given a loan modification at the same time we were filing bankruptcy-which Wells Fargo was aware of as the documents were sent at the XXXX hour of our filing. We have in good faith made all payments. At one point in time we received notice that a payment was not made -- to which a letter was sent to the mortgage company XXXX XXXX XXXX requesting what payment they showed missing. We were able to provide payment information and then were told it was a different payment that was missing, as all payments were made were able to provide all payment information. This pattern continued with us being told we were missing payment and us writing letters to get this corrected. This continued until our loan was sold to XXXX XXXX XXXX -- who started with statements showing our account in arrears -- again with us asking about what month was missing, etc. only to be told a different month with every contact made. The first question we had was how could any loan be sold to another lender in arrears? Again, this pattern continued with letters being written to no avail and no resolution. Then the loan was sold -- once again in arrears to XXXX XXXX. It was then that we once again went to where this seemed to begin -- with Wells Fargo and requested a loan payment history and a request for dates of any missing payments. It wasn't until this inquiry was done that I was told that the loan modification we were given would have meant nothing as we had filed bankruptcy. The attorney we used for the bankruptcy has since passed away so we have no way to know what correspondence may have transpired between Wells Fargo and him. I do know that we have in good faith continued to make payments on this mortgage -- without the benefit of it being recorded or recorded correctly. Any help you could give us in this matter would be greatly appreciated.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC (NE)

The name of company is FedChecks Recovery. They use masked phone numbers in order to bypass my phones blocking system. Theyll call me at XXXX in the morning and I work overnights so Im in bed at XXXX. They will call me everyday with a new phone number.
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I have an auto loan with Credit Acceptance a second chance finance company. I get harassing phone calls from them every month. They call the day after the loan is due and I tell them that I will pay this loan on the XXXX Friday of every month. Then the turn right back around and call me every day. I mean every day to ask what day I will be paying the loan and can I borrow the money from someone. That's disrespectful especially to someone whose told you what day the payment is going to be made on. Also, it's just plain old rude as heck. 
I have even asked if they could move my due date closer to the XXXX Friday of the month so I don't have to go thru this with them. Please help me get some relief from this creditor. I have never been harassed like this before. I pay my bills and I have a set order everyone gets paid in.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Flagstar Bank, N.A. (RI)

I received a chapter XXXX discharge on XX/XX/XXXX. 
I received a loan modification from my lender ( Flagstar Bank loan # XXXX XXXX on XX/XX/XXXX. 
Flagstar Bank is NOT reporting my mortgage payments to the credit bureaus. 
I have called and e-mailed them numerous times and they stated they are reporting. 
Thank you for your help! 
XXXX XXXX
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Shindler Law Firm (IL)

i received wage deduction summons from Shindler & Joyce Attorney at Law on a debt i am not aware of. I filed bankruptcy back in 2001 and since them i have never been able to obtain credit, i am soley cash person now. i never opened any accounts that were left unpaid. Shindler & Joyce Attorney at Law has not provided any documents to me about the debt or give me any information on the debt or even tried to contact me in any way at all. they went straight to garnishing my wages and i have no information as to why or how much. that is not right i have obligations to meet now i can not pay my rent!!!! PLEASE HELP ME!!!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC (SC)

Credco, XXXX XXXX, and others checking my credit. Theses are hard hits. I did not authorize theses checks. I want them removed if its not a bank its fraud.
Consumer complaint received 2019-08-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

I have requested several times that the PMI be removed from my loan and always formally denied even though after completing renovations my home has appraised way over the 80 % of the loan. I have even received letters from the bank in which I have ( see attached ) the loan with stating my home is worth {$510000.00} and my loan balance is {$300000.00} well under the {$410000.00} limit. I have paid off more than 3 mortgages, have an over 800 credit score, and well over XXXX in savings, and do not see why I am paying over {$200.00} a month in PMI. I am not a risk, and even if I was this mortgage is insured by the government so do not see why an additional PMI payment was ever needed. 

I want the PMI removed from my loan and a refund of the PMI I have already had to lay out in order not to be delinquent with my mortgage. I knew I would be doing major renovations so that is why I did not put down 10 to 20 % down. No where on my loan documents does this say the PMI can never be removed. I want this off my loan. I asked to be shown where I was told this would never be able to come off my loan? I was not given any disclosure and there is no mention of it in my mortgage. I was also informed that stated in the by-laws a request can be made from my mortgage company ( NewRez LLC ) on my behalf to FHA to eliminate the PMI. I feel this fee is very unfair. I have a very low mortgage compared to the value of my home ( {$510000.00} ) and I am willing to get an appraisal to prove this, I have an over 800 FICO score, in the past I have paid off multiple mortgages, I have been employed full time for several years, I never had a late payment on anything!!! I told my mortgage company ... '' Please, I am requesting some customer service. Please put an inquiry to FHA to eliminate this PMI from my loan. '' Also I asked if I have an option to pay down the existing loan of {$320000.00} to an 80 % value {$260000.00} with a payment toward my principal of {$40000.00} which would recast the loan in hopes to eliminate this PMI. They have no proof this was explained to me before hand. I asked them to produce something that was signed and they couldn't. I also asked for a compromise since they can not. Why won't they ask FHA on my behalf to reconsider? 

Would appreciate any assistance you can give. I feel this is a very unfair practice and PMI should be eliminated across the board and money should be given back to not only me but all mortgagors.
Consumer complaint received 2019-08-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National Credit Systems ; is the collection agency. 
Original Creditor =XXXX XXXX  XXXX XXXX . Date opened : XX/XX/XXXX. First reported XX/XX/XXXX. Collection account, balance {$5400.00}. The account is scheduled for continuous until XX/XX/XXXX. Investigation outcome reported the information to XXXX  was certified and accurate.The item was not changed as a result of the dispute processing my credit score was lowered from XXXX to XXXX.The balance on the account is incorrect, deceptive and falsified. Never informed or contacted about such delinquent account until the appearance on credit report. Sent XXXX  all recorded documention of proof for dispute. I give CFPB permission to request proof documents. Sincerely, thank you, for your help and support.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MN)

Synchronyc Bank This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Contacted all three credit bureaus and advised them i didnt do any credit inquiries. Was told they would dispute it. Nothing was done. This is all the all the inquiries that was on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MO)

PNC closed my account out of the blue on or near XX/XX/2019. I had applied and received a loan from XXXX for XXXX that I needed for car repairs on XX/XX/XXXX. This is a higher interest loan but I needed it badly. It was deposited into my account on XX/XX/XXXX. 

PNC closed my account without notice. They said they would send my balance ( the XXXX dollars that was direct deposited from XXXX ), within 10 days. Never received it. They sent a letter saying they would send my balance once all pending transaction cleared and settled. This was 2.5 months ago. 

I now am wayyyyyy behind on payments to XXXX and never even got access to my funds. PNC refuses to send my check for the balance they are STILL holding.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

Last night I was on XXXX XXXX and my credit scorXXXX was at a XXXX for XXXX and a XXXX for XXXX. To make sure that I was looking at the credit raise and to ensure that it was indeed mine I checked all the accounts to makes sure that it was all mine and all information was correct. I even logged out and logged back in to make sure I wasn't losing my mind. I saw that my payments for my student loans had decreased by overall debt balances and so I was on a great track. Then, suddenly within an hour 's time I logged in the XXXX XXXX again to show my husband that my score had been raised and my score was no longer at a XXXX for XXXX  and XXXX for XXXX but at a XXXX and XXXX and there was no reason given for the change that had just took place. There was no added inquiries nor new information about a collection added or anything. This is highly upsetting due to the fact that my husband and I are trying to purchase a home and I have been trying to working on my credit for the past 5 years. I am finally in a place where my credit can reflect that and I thought all of my hard work paid off. XXXX XXXX has done this to me before and I can not call them to and it takes two to three business days for a support representative to reach back out about this. I need for this to be rectified.
Consumer complaint received 2019-08-14
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. (IN)

I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my XXXX, XXXX XXXX, and Equifax reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by XXXX  and Equifax. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.
Consumer complaint received 2019-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

I called Shellpoint mortgage ( new rez ) at XXXX XXXX XXXX about removing my PMI since I have been in my home for the last 18 years and have paid into PMI previously and it was removed after 11 years, they refused. My home value and loan amount is well within the required percentage to qualify to have the PMI removed. I had to refinance to put the same home in my name alone per the divorce decree instead of both names. My name was on the original loan, its the same address, I have now had the current mortgage since XX/XX/2016 and have not had any late payments in the last 12 months. Actually I have only been late once in the last 4 plus years. I feel that it is unfair that I pay the PMI again for the same house for another 11 years because of a refinance was required. 

My home value is $ XXXX and the amount of my loan is now XXXX
Consumer complaint received 2019-08-14
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. (IN)

The following inquiries done by XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2019-08-14
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. (IN)

The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ON XXXX, XXXX XXXX  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2019-08-14
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. (IN)

I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my Experian, XXXX XXXX, and XXXX  reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by Experian and XXXX. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.