davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX XXXX XXXX, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I deposited a check of {$150000.00} to my Chase bank account. I got a notice of delayed availability that the funds would be available on XX/XX/XXXX when I checked back on XX/XX/XXXX, the funds were available, but a week later, on XX/XX/XXXX, when I tried to excess my bank account, I couldn't. 
I called Chase and asked them what was going on, and they answered that because they could not verify the check, they closed the account and suspended the {$150000.00} with not notifying me.

So I made a conference call with Chase and the maker of the check so they could verify it with him, but Chase didn't accept it. They told me they needed to call the check maker on a verified number, so we gave them the check maker 's number, but Chase told us that his number was not verified. So we asked Chase how we verify his number, but they didn't give us a way to verify it. 
So I offered Chase 2 other options to verify the check XXXX ) I can come down to the branch with the maker of the check to verify the check or XXXX ) I provide them with the number of the bank of the check maker so they can call his bank to verify the check but that didn't accept this that just repeated, again and again, that need to call the maker on a verified number and that don't have a verified number. 
The next day I went into the Chase branch and explained my problem they understood and tried to help me but they could not help me because they needed to call the same Chase back office I called the day before and got the same answer. 
So I contacted the maker of the check who contacted his bank and asked them to contact Chase but as they said " Chase was giving us the run-around '' so for now the chase has the money locked with no path for me to retrieve the funds. Which is high robbery!!!!!!!!!!!!!!!
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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. 
I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.
Consumer complaint received 2023-05-31
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: I.C. System, Inc. (TX)

IC System keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by IC System XXXX Inc. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from IC System.
Consumer complaint received 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

My DOE loans were transferred to XXXXI then went to XXXX told me to go to XXXX... What is the relationship betweenXX/XX/XXXX & XXXX???
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CA)

Copy of letter sent to XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Of The West XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice of disputed minimum payment Card # XXXX I am writing to dispute the minimum charge that is showing being due in the amount of {$470.00}. Originally it was {$650.00} and has since been reduced but is still excessive. I am requesting that the minimum payment to be recalculated based on the current balance of {$1400.00}. I am also requesting that a late charge of {$41.00} be credited back to my account and no further late charges to accrue until this matter is corrected. According to the branch XXXX at my bank the minimum due is calculated at the rate of 3 % of the balance and should be {$42.00}. Therefore this is the amount I will be paying. 

I have included the letter sent to me by the bank showing my account being credited due to your error, however the minimum balance due was never corrected. 

The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. While this is in dispute reporting to credit bureaus is in violation of my rights under this law. 

I look forward to a speedy resolution to this oversight. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was going to lease a house and wired a security deposit and first/last month rent to XXXX XXXX XXXX XXXX XXXX Bank of America account to a Chase Account. 

I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XX/XX/XXXX. 

I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. 

Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XX/XX/XXXX and spoke to XXXX in the Check and Fraud Department and she told me that my case was closed and my funds were not recovered. 

Bank of America never sent me any notice or kept updated on the investigation. 

XXXX lost : {$11000.00} Claim Number : XXXX
Consumer complaint received 2023-05-31
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. (TN)

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 transunion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX of XXXX XX/XX/2022 transunion XXXX  XXXX XXXX XX/XX/2022 transunion XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX transunion XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2022 I have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (IN)

I used to be with XXXX XXXX but they sold me to Selene Finance several months ago. I have never been late on a payment and have never received calls about payments until they took over. The first 2 months I sent the payment around the XXXX of the month through my banks online bill pay. Both months they called ( usually by the XXXX or XXXX day of the month ) claiming to not have gotten the payment. Then when I came back at them they reluctantly admitted " oh wait, we do have it but it has n't been posted ''. So I started sending it on the XXXX of the month ( again, XXXX online bill pay ) which worked the first month but today I received another call from them! I have read many complaints about them pretty much saying the same thing. It is so very frustrating to know I 've paid - even way early - and still get a call every month harrassing me and telling me they havent received it. What can I do? Please help!
Consumer complaint received 2024-10-23
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. (FL)

I've disputed this account many time and it's still remains. The information is inaccurate do to me not receiving a 1099-c. Also the account is showing a remaining balance but the account is written off on their taxes. It is inaccurate to show a balance on a written off account! I've been through so much to get this corrected and I demand this be deleted immediately or I will pursue with a lawyer
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been going through financial hardship for sometime since the pandemic. I have been struggling to the point where today, XX/XX/XXXX I called my credit card company, Bank of America to ask for forbearance on my credit card payments. I asked if they would suspend my payments for approximately six months or less. I have decided to place my apartment on the market for sale. Actually its been already on the market for a few months, but because interest rates are so high, sales have been slow. I am also offering my apartment for rent. My apartment has substantial equity in it and I would have no trouble paying them back which I explained to them. Unfortunately they flat out rejected my requests. 
I am XXXX XXXX years of age and they are obviously discriminating against me because of my age in violation of part B of the ECOA Law. On their website that I have been using for sometime, there is a section on payment assistance which I will attach, It says WE ARE HERE TO HELP IF YOU NEED PAYMENT ASSISTANCE.Notice on this document there is no option to send a message, only to call, which means Bank of America wants nothing in writing. Bank of America is not here to help especially is one is a XXXX XXXX year old woman. I unequivocally state that I have had a relationship with Bank of America since I first took out a HELOC loan from them on or about in XXXX. Then I opened some credit card accounts at their urging. I have never been late on my payments to them. Bank of America claims I had one thirty day late in XXXX which I disputed. The fact is in my entire life other than this incorrect thirty day late I never had a blemish on my entire credit reports ever. For them to deny me a short forbearance period is discriminatory and disgusting especially for a valued customer that they insist I am.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. 

Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2023-05-31
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: CCS Financial Services, Inc. (CO)

We had an insurance policy with XXXX. That policy was cancelled XX/XX/XXXX. Since then we had moved and did not get XXXX 's letter until XX/XX/XXXX. At that point we were handling the payment with XXXX. XXXX informed us we needed to contact Credit Collection Services and advise them it was being handled directly with XXXX due to charges that needed adjusting. 

XXXX reversed the account given to Credit Collection Services and the account was paid. 

I am showing that Credit Collection Services received the file XX/XX/XXXX. This was during the time it was paid to XXXX. We were not notified that Credit Collection Services still had the account. 

XXXX advised the account was given to Credit Collection Services and they issued a letter stating " External Collections has successfully been stopped. '' This should have been the end of the process. 

XX/XX/XXXX we got involved in purchasing a new home and put our current home on the market. We are set to close on our new home in 2 weeks and have put down a non refundable {$20000.00} deposit with the builder. As of XX/XX/XXXX, Credit Collection Services had not reported to the credit bureaus stating the account was in collections. Had we have known we would have gotten XXXX and CCS involved to resolve the matter since it has been completed with XXXX. 

XXXX XXXX I got an alert that a new collection account was reported. This report was for the total amount ( {$660.00} ) that was paid to XXXX and CCS stated they have had the file since XX/XX/XXXX. Our policy did not expire until XX/XX/XXXX and we handled the credits and payments with XXXX. 

I immediately called Credit Collection Services and advised we did not have an account with them and it was handled by XXXX and the account closed with no record on the report. CCS advised they would need to investigate with XXXX. XXXX has spoken with CCS on the phone and told CCS they needed to remove the collection on our credit report. XXXX has also issued 2 letters asking CCS to remove the reporting immediately. 

We have called CCS daily since reporting and they say it will be handled on their timeframe. The misreporting is causing a {$20000.00} loss and a home for our family.
Consumer complaint received 2023-05-03
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: BARCLAYS BANK DELAWARE (WI)

Hello, I applied for a credit line increase on my Barclays Old Navy credit card on XX/XX/XXXX. On XX/XX/XXXX I was notified that Barclays pulled my credit report and did a hard inquiry with XXXX for the increase. The fact that Barclays would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for Barclays to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.
Consumer complaint received 2023-05-31
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)

After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MS)

I apllied for a XXXX Credit Card and Equifax, minused my Equifax score by XXXX points. My score went from XXXX to XXXX in 24 hours. This is not fair. I was only applying for a credit card to have revoling credit on my credit report in order to purchase a home thru FHA. They have ruined my chances of purchasing a home by minusing my score by XXXX points in XXXX hours. I called and wrote Equifax on many occasions due to they will not take old credit history from 15 years ago off of my credit. I called and they told me every time I do a credit dispute it stays on for 10 more years. I am sick of Equifax. They have ruined my credit for long enough. I need all of those old accounts off of my credit. And my points put back on my credit score. They should not be taking XXXX points for an inquiry on your credit for a credit card
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (KS)

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 informationisinaccurate.
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (MI)

My husband passed away in XXXX of 2013. We had a mortgage with XXXX XXXX XXXX ( servicer ) When I tried to have everything turned over into my name I was told that I had not signed the note therefore I would need to assume the loan. My loan was than transferred to Seterus INC . I have been working with them for the past year to assume my mortgage but they are behind in the assumption dept. so my documents are expiring and I have to re-submit. I spoke to someone today that said I need a Non Recourse Assumption ad she was going to try and get info for me and I should call her back in a week. Seterus is a servicer for XXXX who purchased my loan from XXXX