davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report.

4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (NJ)

BMO bank owes me {$12.00} interest shortly paid ( {$3.00} for XX/XX/year>, {$8.00} for XX/XX/year> ). Please credit {$12.00} into my account because BMO bank NEVER informed me that the rate reduced to 2.22 % for XX/XX/year> and only 1 % for XX/XX/year>. 

I contacted BMO bank for this issue ; however, BMO bank refused to pay by giving excuse saying I agreed to accept the rate variably changes. Firstly, if there is any change, BMO bank should tell customers ahead of time, not afterwards. Secondly, I logged into my account every single day. The rate always shows interest rate 0.995 %, and additional interest 2 %, totally should be 2.995 %. Please see attached screenshot. I also attached the statements of XX/XX/year> and XX/XX/year>, which shows BMO bank only paid 2.22 % for XX/XX/year> and only 1 % for XX/XX/year>. Therefore, BMO bank owes me {$12.00}.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 5th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On or about XX/XX/XXXX my bag was stolen and my cell phone was stolen as well. this person or persons used my phone to access my digital wallet and was able to take my money from my chime account using different digital platforms. 

over XXXX was taken and i immediately reported it to the authorities and to chime. XXXX then I have submitted several disputes and the financial institution refuses to give me back my money. there were also disputes for XXXX XXXX that were filed during this same incident and those were in my favor. I have asked several times why this particular dispute was in my favor but the subsequent unauthorized transactions were not. to no avail. I have requested the docs used to make the determination and over and over they deny deny deny and only send me the docs i provided as proof. Included are police reports correspondence with the police. screenshots and statements.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion. 

I'm trying to unfreeze my credit report. Their chat bot specifically tells me to log-in to my account to unfreeze my report, but I don't have an account so I need to create one. When I do that, there is no FREE option to create an account. The only option is to sign up for a {$29.00} account. 

How is this legal? I can't move forward to unfreeze my report unless I create a paid account - freezing/unfreezing is a free service- but not available via the website.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I open a saving and checking account with Chase Bank over 30 years ago. 
At the time of opening the account, there were no balance limited. Now chase is requesting me to keep a balance of XXXX into my savings account to avoid a XXXX fee. I keep explain to chase I need the XXXX to pay my bills and they don't see to care or understand that I am a loyal customer. 

I don't want to close the account because I will start saving again. I go to the bank and ask for chase not to charge the fee because I can not maintain a min balance of XXXX because I need it to pay my mortgage. 

Chase staff don't care, they invest these rules to keep customer from paying our bills. 

I have to pay my mortgage and all my other bills, when I am done, I don't have XXXX to keep in the account. This will be temp for only 1 year. I ask chase to not charge me the fee for 1 year and they refuse.
Consumer complaint received 2023-11-02
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. (IL)

XXXX, TransUnion and XXXX have illegally taken my public records regarding my XXXX XXXXXXXX and XXXX XXXX Bankruptcy Court Cases and have put them on my Credit Reports. I reached out to all three Credit Bureaus to request them in both writing and over the phone to remove the Bankruptcys from my Credit Reports by filing disputes. They refused and said they received my public records from the US Bankruptcy Court, XXXX and XXXX. I have reached out to the US Bankruptcy Court and XXXX and received a response back from them stating they do not report and did not report my Bankruptcy Court Cases to XXXX, XXXX or TransUnion. 

I followed back up with XXXX, XXXX and TransUnion with variable information from the US Bankruptcy Court Letter to me and from XXXX that says they did not give the 3 Credit Bureaus my Bankruptcy Court Case information. My rights to privacy and to safeguard my privacy has been violated and published illegally on my 3 Credit Reports and the 3 Credit Bureaus are refusing to remove them. I told them I will file a CFPB Complaint if they still chose not to remove them from my Credit Reports. 

They have not been able to provide me with proof and verified documentation of how they obtained my Bankruptcy information. They only lied on the US Bankruptcy Court and XXXX. They are violating FCRA Consumer Laws. 

XXXX and XXXX also illegally received and reported my Bankruptcies to the 3 Credit Bureaus and are refusing to remove it.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I submitted a complaint # XXXX to American Express XXXX I was having trouble using their gift card. So, XXXX XXXX of the Customer Advocate Services Team agreed to deactivate my gift card and issue me a check for the card 's balance ( {$6.00} ). 

Unfortunately, the check arrived on XX/XX/XXXX, and the check was to the order of " XXXX XXXX. '' My name is XXXX XXXX and the letter I received from XXXX XXXX used my correct name. But the name on the check was XXXX XXXX and the bank declined to cash the check. 

Therefore, I am seeking {$6.00} in check issued to " XXXX XXXX '' so I can actually redeem it. I am tired of having to chase down American Express for their own inadequacies and if this check is not issued in a way that I am able to redeem it at the bank, I will have to elevate this complaint to the next level. I am extremely disappointed with this.
Consumer complaint received 2023-08-27
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: Experian Information Solutions Inc. (CA)

I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with Experian and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from XXXX. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

XXXX XXXX ( Exact name of registrant as specified in its charter ) XXXX ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX  ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX CFO as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, FINRA, and the Attorney General.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

Received email from Experian showing all of my personal info was " updated ''. The subject line was " XXXX, your account information has been updated ''. My name isn't XXXX and I didn't request any changes. I tried to get into my account and I can't because " XXXX '' changed everything. I called Experian at 3 different numbers. The first one said they only monitor the credit. She gave me 2 other numbers for Experian. I called both of those and only got automated choices, no way to speak to someone ( gee, I wonder why ). There are many, many complaints online from people who have the same problem. Their account info had been changed and they couldn't reach anyone for assistance.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

I am writing this complaint regarding my mortgage with the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the mortgage company Paramount Residential Mortgage Group Inc. and was subsequently assigned to XXXX XXXX. 

I am also asking XXXXaramount Residential Mortgage to provide me proof that they also provided me the amount of {$310000.00} which is stated in the Note that I have received. The note states " In return for a loan that I have received, I promise to pay XXXX {$310000.00}. I am attempting to obtain proof that I ever received this amount as my records do not reflect that I have ever received a check or deposit for the amount of {$310000.00}. The attached letter is directed to XXXX XXXX, the CFO of Paramount Residential Mortgage. I have attached an affidavit of debt to be completed by the CFO of the above companies swearing that proper consideration was provided and that each company performed to the terms of the agreement at hand. 

Lastly, I have provided a revocation of power of attorney from any party currently claiming to have power of attorney for the mentioned account that is not XXXX XXXX. 

I am hoping that the CFPB can look into this matter and get the party mentioned above to follow through on what I have asked from them
Consumer complaint received 2023-08-27
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp. (FL)

The vehicle was under my name for a lease. My XXXX is purchasing it. She went through her credit union for a loan. They filed the paperwork wrong and have been telling me they would send the correct information so we can go change the title. They have already received the payment from credit union the end of XXXX. We have been in contact with them and each time they have told us they will send it out over night. Its been over XXXX days and multiple calls. Today I get a call from collections. Ive called in XXXX today and there is no notes on my file. Ive been transfered around asking to speak to managers and the customer service reps say they decline to speak to me. They said a manager would call me back and no one has called. Ive spent hours on hold and been transferred to incorrect departments multiple times. It has got to the point its effecting my XXXX XXXX and my job.i have no idea how they could be so disconnected within a company this is fraud at this point.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Please delete immediately.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It Mat Concern, I have appealed a credit decision based on extenuating circumstances. I have made efforts to speak with a bankruptcy attorney which was not the best course of action for my family. I later made consultation with the XXXX XXXX XXXX of XXXX XXXX, XXXX ( XXXX ). I spoke with a counselor at XXXX on XX/XX/XXXX, who provided me information and guidance in making contact with Ditech with my permission. On that same day I informed Ditech that I will be represented by XXXX, which is a housing program. Both the counselor and I spoke with a supervisor who informed us to send written notification of what action I will be taking to settle this debt. I also informed Ditech that I was no longer living in the home because I was told by one of the representatives if I was not able to catch up my payments and surrendering the property was In my favor I had 30 days to vacate the premises. I initially put in a written correspondence on XX/XX/XXXX and faxed it to Ditech requesting a settlement offer to Ditech which is the borrower in question. In my settlement letter I agreed to allow a third party to enter into the home to appraise the home only with myself being present. XXXX XXXX XXXX entered into the property by breaking all secured locks and triggering off the alarm system. I later informed Ditech that my rights were violated and I will be pursuing legal representation. I have made attempts to personally contact Ditech in which my calls have not been answered. I have either been transferred to a voicemail or bounced around the system. I returned back to XXXX for further guidance. The counselor at XXXX and I have made several attempts to contact Ditech in which our calls were not taken. On XX/XX/XXXX, it was suggested by the counselor that I submit a letter requesting Ditech to respond to my initial letter. The letter was typed and faxed to Ditech. I have received a letter post marked XX/XX/XXXX informing me to give Ditech 30 days to respond to my written request. Ditech has not since contacted me in reference to the initial settle request. I have made efforts to contact Ditech to resolve this matter and still my calls are unanswered. I have a future appointment with XXXX. I can forward all correspondence that I have submitted to the borrower making attempts to clear all debts. However, I have made ongoing efforts to contact Ditech personally by phone or fax. I have been informed by XXXX to contact the consumer finance protection bureau ( CFPB ).  I have not been able to make payments due to family hardship. Since my initial letter Ditech has been reporting to all credit bureaus. Follow the link belowhttps : //www.consumerfinance.gov/complaint/. My last option will be to surrender the property. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my transunion report and recognized alot of inquiries still reporting on my report that i did not authorize. This inquiries are a violation of my consumer rights and they should be removed. I do not have any accounts with these creditors. 

XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies must correct inaccuracies within 30 days. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), highlights the legal obligation to promptly address disputes. These accounts have not been resolved so i am escalating the matter.
Consumer complaint received 2018-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

THE VEHICLE IN QUESTION WAS A LEMON TO START. IT NEEDED A MOTOR AND A TRANSMISSION WITHIN THE FIRST 6 MONTHS OF BEING SOLD. IT WAS A JOINT SIGNATURE WHICH I DISCHARGED TO MY HUSBAND DURING THE DIVORCE. I DON'T HAVE ANY CURRENT INFORMATION ON MY EX HUBAND. I HAVE BEEN SUED IN REGARDS TO THIS LEMON OF A TRUCK AND HAD MULTIPLE THREATS AND NOW THEY REFUSE TO TAKE IT OFF MY CREDIT REPORT AS WELL, IF I HAD KNOWN THE LEMON LAW AT THE TIME I WOULD HAVE FILED A LAWSUIT AGAINST THEM. I HAVE NOT WORKED IN OVER 3 YEARS DUE TO XXXX AND THEY REFUSE TO TRY TO ASSIST ME ON THIS DEBT THAT IS ALMOST 8 YEARS OLD.
Consumer complaint received 2024-08-19
Product: Credit 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: SYNCHRONY FINANCIAL (KY)

Contacted Synchrony Financial on XX/XX/2024 about a charge they said i owed on my card .Turned out it was a subscription fee for Amazon . I told them I did not authorized this charge that my default card with Amazon was not them. Ask to remove all fee and close account. They said they would contact Amazon and it would take up to 90 days. Keep getting email to pay. Call and told them to stop Harassing me. Received notice from credit Bureau on XX/XX/XXXX that my score took a major hit because of unpaid credit card. Call Syn again and was told I never file a complant. After serval hour on the phone and 4 transfer some one found my original report They agreed the credit bureau should have been reported and it could take up tp 90 days to fix Asked for copy of report and any info pertaining to this be sent to me. 
They said it was for internal eyes only. My interest, banking. loan and insurance rates are being hurt by your negligence. At what point is this company liability for damage caused