davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: United One Mortgage Inc. (NJ)

I have already contacted the NJ Dept. of Banking, and due to this being a " federal '' banking issue, they referred me to you ( I know that the NJ Dept. of Banking forwarded to you my file and copied you on a letter sent to me dated XXXX XXXX, 2017 ). I have that documentation and relevant correspondence to submit separately if required, but to quickly summarize my complaint here, I have had fraud committed against me by a mortgage company based in XXXX XXXX, NJ ( United One Mortgage/XXXX XXXX-Owner ). A salesman representing XXXX XXXX, XXXX XXXX, made representations about a HELOC that required some personal funding to help " close the loan '' on a deal handled by United One Mortgage. I was asked to deposit {$5800.00} payable to his company XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. The terms of the short term lending, was I was to have received the original deposit + {$400.00}. That total of {$6200.00} was to be paid " within a few days '' of receipt of those funds. I personally went to his bank and deposited those funds in XXXX XXXX. 
After weeks of trying to collect my money, I found out that XXXX XXXX was put back in prison for fraud/money laundering!! XXXX XXXX never told me that, but only said that XXXX XXXX had a XXXX XXXX and is n't available. However, XXXX XXXX was VERY familiar with my financial arrangements, and he said he would " personally take care of it immediately. '' He sounded sincere and convincing. I did NOT appreciate being lied to about the circumstances surrounding his salesman, but I overlooked that fact, and I let him know that. I only wanted the money due to me. To show my good faith approach, I even referred a friend to do business with his firm AND I did n't want to " hit him '' with additional interest on the money that United One was responsible for. I admired the fact that he took full responsibility for the theft and was wanting to " make good '' on the debt and maintain a relationship to expand his business opportunities. Well, after weeks of phone calls trying to get the status of my money, XXXX XXXX decided to withdraw on his financial obligations!! He became very angry and very disrespectful of me. He obviously was being defensive in his position, but all he did was waste many months of my time chasing what was owed to me. He ended the conversation by saying ... '' I do n't give a XXXX, and you should do what you need to do ''!! When I said I would file a complaint, he hung up abruptly.
Consumer complaint received 2018-12-24
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)

XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband  then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XXXX of XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and Transunion 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX  report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX secured credit card with a limit of {$300.00} that is joint ownership.
Consumer complaint received 2017-11-20
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: EQUIFAX, INC. (OH)

filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from Equifax in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''
Consumer complaint received 2018-12-23
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: U.S. BANCORP (CA)

USBank is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the USBank billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and XXXX 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full.

Please note that my husband and I have a different USBank secured credit card with a limit of {$300.00} that is joint ownership.
Consumer complaint received 2018-12-23
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. (WI)

I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''. 
I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}. 

I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse. 

The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume? 
Please help, XXXX XXXX
Consumer complaint received 2018-12-23
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: EQUIFAX, INC. (MA)

Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.
Consumer complaint received 2018-12-23
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. (MA)

Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.
Consumer complaint received 2018-12-23
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. (FL)

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-05
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. (FL)

I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.
Consumer complaint received 2017-11-20
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: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX LL Bean refunded XXXX to a Barclay 's XXXX Credit Card. This card was closed due to very poor customer service in XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this refund and have been told I will get a check. Recently, XX/XX/XXXX, I followed up with Barclays and was told I would get a check and given case number XXXX. On XX/XX/XXXX, I called again and was told there is no such refund and the agent made a mistake and the cased number is invalid. 
I escalated this to a manager without resolve
Consumer complaint received 2017-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (FL)

On Friday XXXX XXXX, 2017 at XXXX XXXX our car was repossessed. We live in a gated community with security guards. While the security guard was away, the tow truck driver broke into the community by forcing the EXIT gate up and the proceeded to drive over a median flower box with lighting both of which he damaged. Not only did they break in but they came in a Exit endangering anyone that might be leaving the community. The bank that holds the lien, Chase, has been unwilling to share any helpful information. The payment were neglected by my wife, and the car was under my name. I offered to reconcile debt, pay a few months in advance and link automatic payments to my bank account moving forward to make sure this never happened again. Money was not the issue, neglect was. They have refused this and will only allow me to get the car back by paying off the lien PLUS their fees - which are undoubtably towing, storage, etc that were all done illegally. They have also attached this Repo to my credit report, which is understandable for a repo, but their unwillingness to work with me and the way in which the vehicle was taken is just irresponsible business. I now have a matter of days, all with a holiday in the mix which the banks will be closed for, to figure out how to get someone else to purchase this entire lien with my once great credit that is now destroyed. I have taken accountability, humbly apologized and have offered many suggestions including leveraging my personal businesses to reconcile the debt.
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Prosper Marketplace, Inc. (NY)

On XX/XX/2022, someone called with XXXX number saying was from XXXX XXXX, just want to verify my phone number with account. I was suspicious. I immediately call XXXX XXXX and they said that there was nothing wrong with my account. The person continued calling me over 10 times and I refused to answer. At the time, I notice a welcome email from Prosper. I didn't want open it nor any subsequent email from Prosper. However, I received a credit card with a snapshot of spending on it. So I called Prosper -- again, without providing personal information like birthday, etc. other than my name that was already on the card. The person, XXXX, stated that he submit a request to close the card and close any information on it. He also provided a ticket number, XXXX.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (AZ)

To Whom It May Concern : A couple of years ago, XXXX XXXX ( cable/telephone company ) sent me a final bill ( from an old address ) to which I tried to dispute because I felt I did not owe them that amount. Long story short, they sent me to Credit Management XXXX. The bill was {$160.00}. They gave me a discounted amount of {$110.00} which I paid on XX/XX/2019. I was told my balance is now PAID. 

So even though I was unfairly billed, I took the hit just to get them off my back and to make sure they don't hurt my credit score. In addition, I requested for a deletion of said transaction and was denied. XXXX XXXX, supervisor at Credit Management XXXX  said only XXXX  can make that decision. It seems like  extortion and it's me fighting the giants.

After all that, I just found out that my credit score dropped 40 points, caused by the same XXXX bill. My lender told me the credit report showed PAID, but also showed DELINQUENT. That is contradicting. I called Credit Management XXXX and was told they can not do anything about it. 

I need your help PLEASE. What they did was injustice and they have all the power to hurt me. 


Thank you.
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST FINANCIAL SERVICES, INC. (MN)

I previously submitted a complaint against XXXX XXXX XXXX XXXX in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XX/XX/XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through 1st Financial Bank in which the last date of payment was XX/XX/XXXX. I also received a demand for payment the same month. I responded by certified mail XX/XX/XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XX/XX/XXXX, which was a copy of a statement from the credit card company 1st Financial Bank. In XX/XX/XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XX/XX/XXXX they sent me copies of paperwork requesting information from me and discovery. At this point I submitted a complaint against the law firm and 1st Financial Bank with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XX/XX/XXXX that they have filed against me with the court.