davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (VA)

I have asked Chase Bank on four separate occasions in the past year to disenroll me from " Chase Credit Journey '' and stop accessing my credit report. 
I am no longer a Chase customer as of XX/XX/2018, yet they keep accessing my credit report on a monthly basis in violation of my privacy.
Consumer complaint received 2019-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America charged me an {$8.00} fee for approximately 10 months for being under a balance threshold. 

They sent me a communication which likely explained this, but the communication was too complicated for me to understand. A simple communication along the lines of " you will be charged {$8.00} per month '' would have sufficed. 

There is a free account that I could have used, so I have received no benefit from this approximately {$80.00} charge.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from XXXX XXXX XXXX told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.
Consumer complaint received 2019-10-20
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. (CO)

Back in the late XX/XX/XXXX's early XX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from Midland Credit Management told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.
Consumer complaint received 2024-09-20
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. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2019-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NJ)

On two ( 2 ) different occasions, Ally Financial as failed to effectively communicate with me the following : 1. How much they sold the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX that I had leased. 
2. Why they refused to offer my financing rates upon the end of my lease regarding the XXXX XXXX that I had leased. 
3. The status/location of the XXXX XXXX XXXX XXXX for which I was in an accident in on XX/XX/XXXX. Although they claim I did not have collision on the vehicle at the time, I have proof that is attached to this email that shows I did indeed believe I had or would have collision coverage on my policy. 
4. My personal belongings located inside of the XXXX XXXX XXXX XXXX have not been returned to me. 
5. Why XXXX XXXX did not respond to my faxed letters. 
6. I did purchase GAP insurance through the company XXXX. Please see attached.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them as soon as possible.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (AK)

The XXXX XXXX from Ohio, also known as the HMC group, called me on XX/XX/XXXX saying I owed XXXX dollars in medical debt. They threatened to pursue legal action against me if not paid. I immediately called me hospital and talked to the head of billing and they said I had paid off all my bills from my er visit and that they do not use hmc or the XXXX XXXX for collections. I called the collection company back and they began to be very rude and said I was accusing them of lying and that I spoke to all the wrong people. They never once explained to me that I could dispute this collection. And NOW I see the collection is on my credit report. I am very frustrated and dont know how to fix this.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SD)

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 2024-09-10
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX **** XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. Stated i have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-10-20
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: Experian Information Solutions Inc. (TX)

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

XXXX is reporting an old account on my report, via Onemain Financial, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Onemain Financial provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Onemain Financial and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Onemain Financial a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequoia Financial Services (CA)

Fraudulent Reporting to Credit Reporting Agencies of Debts I Do Not Owe. 

This collection agency is in violation of FCRA 1681s-2 for fraudulent and inaccurate reporting of debts.

Collection agency failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ). This company failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and license number.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: IMPAC MORTGAGE HOLDINGS, INC. (AZ)

On XX/XX/19 I made two mortgage loan payments however, the payments were misapplied to the same property. I contacted my mortgage servicer ( Cashcall mortgage/XXXX ) to resolve the error. I was told the reversal was being done however, any credit reporting would have to be requested online via email. Unfortunately, it took approximately 30 days for the matter to be corrected because the initial customer service agent made an error which closed the task ; the second agent did as well. As a result, a second negative late payment was generated and sent to the Credit Bureau. I was instructed to contact them by email to generate a ticket which I have done but the site does not generate a ticket. I have faxed XXXX 7 days ago with a copy of the auto message that is generated after submitting an email with no response.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reported Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by this consumer reporting agencies, I have absolutely no idea what these Inquirys are, I have never opened applied for any account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX  it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent inquirys that I am requesting be blocked & deleted and asking Transunion to cease and desist reporting are., I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are : XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These inquiries are fraudulent and I am requesting block to these inquiries under the FCRA 2009 605 ( b ) ( 2 ).

I have filed the FTC IDENTITY THEFT FRAUD AFFIDAVIT, please cease and desist all reporting these inquiries.
Consumer complaint received 2019-10-20
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. (OH)

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Per the attached letter, I have been contacting Equifax by mail, phone, and online to remove a consumer statement- to no avail. I even tried to have it change to no avail. I simply want the consumer statement removed.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMA Advisors, LLC. (NC)

In XXXX of this year, I refinanced my FHA loan through the FHA streamline program. This program allows FHA borrowers to refinance high-rate FHA loans every 6 months for relief of course. A third-party mortgage broker, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , mailed an advertisement offering to assist with refinancing my FHA loan through the Streamline program. At the time, my original FHA loan was with XXXXXXXX XXXX ( aka XXXX XXXX ). XXXX XXXX connected me with a XXXX XXXX XXXX XXXX as the potential new lender. He advised that I would only be needing {$2400.00} to close in XXXX and we had the final closing documents notarized and signed legally. On XX/XX/XXXX, XXXX XXXX also advised that I would be receiving an escrow refund amount of {$1400.00}. Ive attached his e-mail communication in writing. He verbally advised via phone that Id be getting a portion of the UMIP ( upfront mortgage insurance premium ) back as Id refinanced in the first 12 months. This was misleading as UMIP is not offered directly to the consumer in cash. The total of the MIP was roughly XXXX. I agreed to move forward based on all of the fiduciary information XXXX XXXX communicated as a licensed broker. Additional closing docs attached. I believed I would be getting a huge some back. This did not happen. 

After finalizing the legal closing documents via notary, and confirming the final pay off amount of {$310000.00}, a lesser amount was then wired by XXXX to XXXXXXXX XXXX. An amount of {$310000.00} was wired instead by XXXX per mortgage broker. See email attachment. When I reached out to XXXXXXXX XXXXXXXX about the escrow refund of {$1400.00}, I was told Id only be issued a refund of {$400.00}. The broker confirmed via email that {$1000.00} was taken from my escrow account and he has not explained where that money is. My cash to close amount was {$2400.00}. I spoke with XXXXXXXX XXXX, the assigned loan servicer for XXXX XXXX. They explained that I will likely have an escrow shortage because of the issue and my mortgage payment will likely go up. I believe last checked, my escrow had a negative balance after they'd sent payment for my homeowners insurance. I need help getting my money back from XXXX. They do owe me a refund of {$1000.00} and Im demanding it immediately. They can remove it from the balance that I owe via mortgage payments. Alternatively, they wire me my refund owed. They do not have the right to hold my money and keep it from me.