davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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: General Motors Financial Company, Inc. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2019, XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2019, GM FINANCIAL Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year> {$1900.00} Late Payment : XXXXXXXX XXXX Inquiry XXXX XX/XX/year> Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

My card was connected through my XXXX XXXX account and there were some charges made through a XXXX app that I have no affiliation with. I have reported it for over a year now and talked to several people through the Chase company and nobody seems to help me. Everyone I have talked to gives me different answers and I was so frustrated that they didn't resolve it. XXXX shut down that account and canceled the charges made from the app but for some reason Chase won't take care of it. So I shut down my Chase account. I really want this issue resolved and taken care of. It has been stressful on me and it's preventing me from getting a house now because my credit has plummeted.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

FICO CREDIT SCORE DROPPING W/O VALID REASON! 

In the month of XX/XX/XXXX, I was notified TWICE by Experian, that my FICO score had dropped - once by 9 points on XX/XX/XXXX from XXXX to XXXX and again by 3 points on XXXX XXXX to XXXX. I ran a credit report on XXXX XXXX which states at it's very end about my FICO Score 8 - " you have NO negative factors impacting your score ''. This report states 1 ) No missed payments 2 ) Long Credit History ( 23+ yrs ) 3 ) Recent card usage 4 ) Substantial installment loan repayment ( mortgage ) I have 2 Credit cards & I pay them in FULL monthly ( exceptional payment history ) & we pay extra on our declining balance on our joint mortgage ( never missed a payment ). 

I called Experian about this matter TWICE. I called on Sat. XX/XX/XXXX & was advised to call on a weekday. I called on Monday, XXXX at XXXX XXXX & was rebuffed from speaking with a Supervisor & also told that there was NO EXPLANATION to give for this. He agent stated " I am not a credit repair person '' - he gave me a laundry list of " why '' a FICO score could decline, but NONE of them apply. He had nothing else to offer except to try to SELL me " credit repair '' services that I do not need. I was NOT given ANY further opportunity to address this matter with Experian. 

I am concerned about my FICO score dropping further and further, as there is no evidence of any fraud & I AM using my credit responsibly & paying my bills in FULL monthly. I feel I may be targeted or something as I have no explanation for how someone with a decent income, who is receiving e-mails from Experian congratulation them on " low utilization '' and other such markers, could then have them drop their FICO score? I do not know if it is because of my age or gender, but it seems to be not tied to my actual credit usage, payments or income, or any other actual markers.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Dear Sir or Madam : I applied for a mortgage back in XX/XX/XXXX for an apartment I was purchasing. The apartment was {$240000.00} and was intending to borrow 80 % ( {$190000.00} ) and put down a payment of 20 %. I have perfect credit and had, at the time, almost {$500000.00} in my investment account. In XXXX, I was furloughed from my job as a professor at XXXX XXXX XXXX where I made {$91000.00} in XXXX ). I was told that because I no longer have the job, I was going to be denied. 

Having asked my mortgage broker what to do, he said have your father cosign the loan. My dad is retire, but also has perfect credit and has {$1.00} XXXX in liquid asserts as well as a house worth {$750000.00} that is fully paid for with no debt. They told me they were starting a new application in the beginning of XXXX XXXX I have emails to prove this ), but this was not started until XXXX as attached documents show. 

I was told that because he is retired, we STILL would be denied, but that using all of our income together ( by this time, my investment account had ballooned to {$700000.00} ), I can qualify for an interest-only ARM at a higher rate. The payment would be only {$560.00} a month. I told them to do it, even though I had to refinance after 10 years. Although it was not optimal, I felt I had no choice. 

After waiting 6 more weeks ( this is now almost 5 months and the owners of the apartment were frustrated ), I was told on XX/XX/XXXX that I was going to be denied. 
I just received the denial letter, which claims tha t there was insufficient cash as well as unable to verify income. Both of these are untrue as I was told this would be enough for such a small loan and they were provided all documentation. 

I feel that this was incompetence and misrepresentation of the broker and on the bank to string me along for over 5 months for such a small loan for someone who was furloughed, with perfect credit, a cosigner, more than {>= $1,000,000} in liquid funds, and applying for an interest only loan. 

I believe based on the denial letter, that I was not fairly evaluated ; documents were probably not even looked at ( considering that there is 15 times the amount of cash to back up the small loan ) and was led to believe I would be approved, especially since I have spent my whole life with perfect credit and due to COVID, was furloughed and would soon get either my job back or another.
Consumer complaint received 2024-09-07
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MS)

Several times my husband and I have asked this company add me to the account so things can be discussed with myself as they left me off original paperwork. Last year we had issues with the servicing company paying the wrong property taxes from our escrow account. ( XXXX ) After many emails, calls, and faxes later they finally paid them late. 2 weeks of fighting & proving the correct plat # due to their clerical error. 
All the while we were being told our property could go up for auction. I only figured this out when applying for homestead exemption. 
Then our payments went up as I'm sure they passed along the late payment to us due to their mistake. 
This year they say they sent payment for homeowners insurance XX/XX/XXXX. ( It was due XX/XX/XXXX ) As of XX/XX/XXXX payment has not been received. Sit on hold for 30+ minutes to be told by reps we should call back tomorrow. You get no straight answers and nobody is accountable. As the rep told my husband last night " unfortunetely '' we have no choice in who services our loan. 
These people don't care as it's not them who's being affected. 
XXXX XXXX is used by Lake View. Find a company who's going to service loans correctly.
Consumer complaint received 2021-02-01
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. (VA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and needs to me resolved ASAP!
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian continuously violates federal law by reporting inquiries that are illegal, inaccurate, and misleading. 

Inquiry ; XXXX XXXX service : Inquiry was not approved by me ; violation No credit or loan has been awarded ; their were no probably cause for inquiry.
Consumer complaint received 2021-02-01
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. (FL)

XXXX XXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX  and XXXX it has an open date of XX/XX/2019 and on Transunion its XX/XX/2019. It also shows a credit limit of XXXX on Transunion and XXXX but XXXX credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.
Consumer complaint received 2021-02-01
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

I want the fraud accounts removed ASAP!
Consumer complaint received 2021-02-01
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. (TX)

Today is XX/XX/2021. To Transunion and XXXX, your client XXXX  XXXX & XXXX XXXX XXXX XXXX has yet to answer ONE complaint out of more than 100 complaints. They simply list as duplicate eliminating any response from me and never supplying the request. You, as Credit Reporting Agencies, simply forward complaints to XXXX XXXX who you rely upon to verify for truth and accuracy. So truth and accuracy required by FCRA doesn't exist. After almost 4 years, I have yet to receive a copy of the valid permissible permission used to access my personal information that led to two fraudulent car purchases not to mention all the other damages when the theft received a copy of my credit report. XXXX XXXX doesn't want to admit because of liability and have made matters much worse like politicians do. Enough is Enough!!!!!!!!!!! Remove XXXX XXXX and XXXX XXXX XXXX XXXX from my report.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P. (MD)

The original account was with XXXX XXXX XXXX  and they sold it to LVNV Funding, LLC c/o Resurgent Capital Services, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. In the process of collecting the outstanding balance, they violated several of Fair Credit Reporting Act ( FCRA ) rules. I will enclose a copy of my credit report and the letter I had forward to all three credit bureaus ( XXXX, XXXX, and XXXX  ) proving the errors.
Consumer complaint received 2021-02-01
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: SYNCHRONY FINANCIAL (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB, Inquired on XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I authorized Citibank to withdraw funds from my XXXX XXXX account ending in XXXX. 

For reasons, no one at Citi has explained, funds were withdrawn from another account at XXXX ending in XXXX. 

Not only is the security of my account compromised, I was assessed an overdraft fee of {$35.00}.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute the bankruptcy being reported on my credit report. The credit report states that this bankruptcy is furnished by the U.S. Bankruptcy Court of Alabama, but after contacting the court, they confirmed that they do not furnish or report any information to credit bureaus. Therefore, the bankruptcy information currently being reported by your agency is unverifiable, false, and misleading.

This bankruptcy has been incorrectly listed on my credit report for several years, despite my consistent disputes claiming that it is not mine. I am requesting immediate removal of this inaccurate information from my credit report, as it is causing unnecessary harm to my credit profile.

Please investigate this matter AND STOP USING OCR ( IF I AM TELLING YOU ITS WRONG PLEASE COMPLETE A HAND INVESTIGATION OR JUST REMOVE IT ) and provide me with confirmation that the false information has been removed. I appreciate your prompt attention to correcting this error.
Consumer complaint received 2021-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I had contacted Navient ( the company my loans are through ) days prior to the payment due date about lowering my payment options. The representative who helped me also took my payment for that month over the phone. Days after the due date I started receiving strange calls from Indiana and only now did they leave a message. It was an automated message and said it was about my Navient loans and to call them at a specific number. I did not call that number, as I was wary off it being a scam, so I looked at my Navient profile. It was saying that I was short a {$17.00} for my loan payment! I could have defaulted on my loans or pay an extra fee had I not checked all because the representative did not take the full amount needed for my loans.
Consumer complaint received 2021-02-01
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. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I booked a XXXX XXXX flight to XXXX, on XX/XX/2020 at XXXX, using Chase credit card reward points. On XX/XX/XXXX, I received a notification from XXXX XXXX that my booked flight XXXX XXXX XXXX is cancelled. I was then rebooked ( w/o my confirmation XXXX to a flight on XX/XX/2020 at XXXX. That XXXX pm flight was also cancelled. 

I submitted a refund request to XXXX XXXX on XX/XX/2020 and they responded the following day informing me I had to submit my request to the travel agency XXXX Chase Rewards ) I booked my flight with. 

On XX/XX/2020, I reached out to Chase and they informed me XXXX XXXX was able to issue airline credit ( {$610.00} ). Chase informed me that if I wanted a cash refund, I'd have to reach out to XXXX XXXX directly. However, since my flights were cancelled, I wanted a full return of my Chase credit card points. I did not want XXXX XXXX travel credits. 

Then in XX/XX/2020, I submitted a US DOT complaint regarding the credit card reward points refund process. I received the same response from XXXX XXXX. Talk to your travel agency if you want a full refund of points. 

The problem here is when I ask chase for a full points refund the refer me to XXXX XXXX. And when I reach out to XXXX XXXX, they refer me back to Chase.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IL)

Previous to XX/XX/2019, we received fraud on our checking account. US Bank advised us to close the account and reopen a new one due to this fraud, of which we did on XX/XX/XXXX. The next month we received a statement saying that we owed them XXXX for credit card/overdraft charges. They said that my husband, when he set up the account, set up for overdraft, when he thought if any overdrafts were to be coming out of his savings. He never signed for a credit card/overdraft protection. This was a special going on at the time and he never signed for it. He never noticed the few overdrafts going to a credit card, only that they were coming from his savings. The company can not prove that he ever signed for this. In the meantime, we have been trying to get help on the phone. When we could not get any help to resolve this issue, we wrote a letter to the President of US Bank. When nothing helped, we called one last time and they said someone would get back to us. A few days later, we received a letter stating that they had written off the {$1200.00} plus interest totaling {$2900.00}. We then called collections and they said to have our lawyer write a letter to US Bank of which he did and we are waiting to hear from them. In the meantime, a XXXX XXXX XXXX told me to write you and that ironically enough, sounded like the scam that XXXX XXXX did ( charged people with a credit card when they did not ask for one and sign up for a new account ).
Consumer complaint received 2021-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (AL)

Yes my name is XXXX XXXX and I feel as if people has been getting loans in my name the people are XXXX XXXX and XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (FL)

Credit Control , LLC has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXXXXXX. I am a Federally Protected Consumer and Credit Control has violated me in many ways. Credit Control , LLC is a third party debt collector. I never gave Credit Control , LLC written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Credit Control , LLC has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Credit Control , LLC can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Credit Control , LLC a debt validation along with a cease and desist. I received no response in over a month. After I sent another company who they are affiliated with they then send me a statement on this alleged debt.