davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

There was a hail storm that damaged my roof in XXXX of XXXX. XXXX XXXX sent me a partial check to get my roofing company to start putting on a new roof. I had to send the check to be signed by my Mortgage Company. I got it back within a week. Then I gave it to the XXXX XXXX. When the roof was completed, I sent XXXX XXXX the final bill from the roofing company and XXXX XXXX mailed me a check, I mailed the check to my Mortgage Company at the same address I did the first check. I got the check back in the mail unsigned because they changed servicers. When I called the new servicer, Rushmore Servicing XXXX they told me it might take 2 months because they didn't have all the loans installed into their system yet. I told them I could not wait because the Roofing Company needed to be paid. They said they would have someone call me. Nobody has called me. It has been 49 days as of today the roof was finished and I can not get the new servicer to answer their phone or talk to anyone again. I can not even make a Mortgage Payment to them for this month as their website isn't working. Phone numbers I call say they have a problem and can not be reached. My roofing company understands but they can not wait and said they will put a lien against my house. This is totally not my fault. I work as a nurse, long hours and can not talk at work. I get home at XXXX and that only gives me an hour and a half to work on this issue. In today 's age, this should not be happening. If you take on new loans you best be prepared to download them immediately. I should not have to deal with this stress in my life because of incompetence of the Mortgage Industry.
Consumer complaint received 2023-08-24
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. (TN)

I am a victim of identity theft and the credit agencies are not following the FCRA. I have sent in all the correct paperwork and they are not attaching them to my disputes and removing the accounts per the FCRA. 

I am not getting copies of the verification process per the FCRA. Im just getting the results of the investigation.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX  stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2022-11-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

Ally financial reported my auto loan 30 days late to all XXXX credit bureaus for the month of XX/XX/2023 this was in regards to a payment for XX/XX/2023 that I made 29 days late and they reported it as 30 days late inaccurately. I have reach out many times only to be given different information. I disputed this directly with ally on XX/XX/XXXX reference number is XXXX I was told this would be resolved in 45 days I called back a few weeks later for an update I was told they did determine an error and were aware and it would be removed and its still on my report.
Consumer complaint received 2024-04-24
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. (GA)

I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the XXXX Equifax and XXXX to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
Equifax, XXXX nor XXXX can not verify how information was obtained.
Consumer complaint received 2023-11-04
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. (MO)

unauthorized inquiries on my report ran without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/ my debit card was stolen by a family member. {$1000.00} was took off of my card at a chase atm machine at XXXX XXXX XXXX XXXX XXXX, OH XXXX. I filed a claim XXXX as soon as I noticed money and card was missing. I was suppose to receive a temporary credit while they did their investigation I never got that. They denied my claim I appealed it they reopened the claim denied it aint again reason was I failed to protect bank pin.
Consumer complaint received 2024-04-24
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/ I sent my friend, the recipient of the money transfer, XXXX XXXX Dollars. When my friend attempted to pick-up the Money on XX/XX/XXXX, she was unable to receive it at all of the locations she attempted and was told that the amount sent could not be paid out because it exceeded the amount of money that a Moneygram location can payout in the Country of XXXX. There appears to be some sort of restriction that Moneygram denies, after several calls to Moneygram I was unsuccessful with getting any information and was told by multiple Moneygram representatives for the recipient to go to yet another location to receive the money. She went to all locations provided by Moneygram and each told her the same thing, that she can not receive the money because it exceeds their governmental restrictions for Moneygram in the country of XXXX. Moneygram is stating that the in country limit is XXXXXXXX XXXXXXXX dollars per transaction and Moneygram within the country of XXXX is stating that the limit is XXXX XXXX dollars per month per person. Furthermore many of the locations Moneygram said for her to go to do not exist and she wasted her time even though the location and address was provided to me and I to her by an official Moneygram representative.

This is a huge discrepancy and both the recipient and I are inconvenienced by the matter and are at a loss of how to either get the money in person in XXXX OR get the money back and receive a full refund of all fees for the transaction. I phoned in several times and was told that the money would be delayed in getting back to me and that they will not refund it. I was told once again to have her go to yet another location. 
Please assist me with my refund in the total amount of XXXX US Dollars back to my bank account with which Moneygram unfaithfully took my money transfer and did not pay out.

Regards, Moneygram Reference number : XXXX Thank you in advance for your kind assistance with this matter.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received text from someone claiming to be a Chase representative. I have one credit card, an ATM card, and my mortgage with Chase. The text said a charge was made on my credit card and wanted me to verify it. I responded 'no ', then checked my account and saw the charge. The next day I received a phone call from someone claiming to be a Chase specialist and there seems to be activity in my checking account that seems odd. I explained my credit card information had been compromised, so now it seems my debit card was as well. The 'customer service specialist ' said she would cancel the credit cards and have new ones sent within 5-7 business days. She asked if this was my address and bank information, and it was, so I agreed. She thanked me and hung up. When I signed into my checking account on XX/XX/XXXX, I noticed there were 2 strange withdrawals. I called Chase to ask them how these charges were allowed when my debit and credit cards were cancelled. They said they had no record of my cards being cancelled and reordered. So, the 'fraudster ' who claimed to work at Chase that called me stole my information and started making purchases. The first in my checking acct was {$400.00} and the second was {$2000.00} which caused an overdraft and fees. I explained to the Chase representative ( there were 4 that I spoke to over the course of an hour ) that these were not my withdrawals ( one was an electronic withdrawal 8 hours away from where I live. ) The final representative said there is nothing she can do to refund my account except for the {$400.00}. I went into a branch on XX/XX/XXXX to speak with a banker in hopes the fraudster did not have my checking account information. He assured me the withdrawals were done using my debit card ( which was in my wallet ). He called the home office for Chase and after another hour received the same answer as me. 'I can not be refunded the {$2000.00} '.

When I looked at his computer and saw all these random charges in my checking account, but they were all denied by Chase. If these charges were denied, why would the other 2 be successfully withdrawn when there was a fraud alert on my account. I was supposed to be contacted by Chase to discuss the situation again, but never was. All I am asking for is the {$2000.00} be refunded to my checking account. With all the money I spend with Chase credit cards, and my mortgage, I am appalled that the company would not take my side. I was completely taken advantage of and am a victim of ID theft. I filed a police report/complaint, filed a complaint with the FDIC, and they said I had to deal with CFPB, and they would forward my original complaint. I have not heard anything back yet so am hoping you can help me. 
Thank you, XXXX
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: Bridgecrest Acceptance Corporation (CA)

After reviewing the original copy of my consumer contract provided by Bridgecrest, it has become evident that there is no verbiage or disclosure indicating the sharing of my personal information or transaction data with either affiliated or non-affiliated companies. During a recorded call with a customer relations representative, it was stated that my contract supports an opt-in for sharing my information, and I was assured that supporting documentation would be sent to me. Attached documents further substantiate the violations of my consumer rights, including the failure to provide an opt-in or opt-out method both at the time of sale and throughout each year of my customer journey. Please view supporting documents in attachments.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I opened a XXXX XXXX account on XX/XX/XXXX XXXX XXXX The account is now 11 years old and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, Transunion and XXXX credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this 11plus year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (LA)

I NEED help getting this off my credit report by these CRIMINLAS, KIKOFF LENDING. There is no record for me opening, paying to join, or paying a fee to KIKOFF, yet it shows I made payments in XXXX, AND XXXX and missed a payment in XXXX. Account supposedly opened XX/XX/XXXX, yet showing a first payment made on XX/XX/XXXX, followed by payments in XXXX ( not reflected in any of my bank accounts anywhere ). That is the FIRST RED FLAG AND FLASE REPORT. I HAVE SENT NUMBEROUS EMAILS, MAILED PAPER LETTERS, CALLED, ETC. TELLING THIS TRASH COMPANY THAT THIS WAS NOT ME AND SHOWING PROOF THAT I ASKED FOR THIS TO BE CLOSED AND IMMEDIATELY DELETED IN 2 SEPERATE EMAILS IN XXXX AND YET YET AGAIN IN XXXX AFTER SEEING THIS WAS FRAUDULENTLY OPENED IN MY NAME ( TO WHICH I GET NO REPLY ). I didnt use THE {$250.00} from KIKOFF THEY CLAIM AND ARE CHARGING ME XXXX A MONTH FOR. THEY ARE DESTROYING MY LIFE OVER XXXX dollars! THEY ARE SICK! I wouldn't even know where to go to pay this. I am starting a petition to make sure these CRIMINALS get shut down and REMOVE the false information on my credit report. Please do research and see there are THOUSANDS OF PEOPLE IN MY SHOES WHO HAVE BEEN VICTIMS TO THIS SCAM. I did not open this account, I asked for it to be deleted in XXXX and XXXX. Account should have been deleted LONG BEFORE MY " MISSED PAYMENT '' THEY REPORTED FOR XXXX. I wont stop until this XXXX is 100 % off. This is illegal and erroneous reporting. They are fraud. I've asked NUMEROUS TIMES to be provided proof of my signature for this " loan '' and PROOF OF the {$250.00} used and have got nothing in 6 months. They have no working phone number. EMAILS GO UNANSWERED OR ARE ANSWERED BY ROBOTS and it seems theyve blocked my emails now. Please help. Attached are emails to them in XXXX and XXXX that went unanswered asking to close this account, a formal police report Ive filed and submitted to them for fraud/identity theft. Please do your due diligence. I BEG YOU TO HELP REMOVE THIS MISSED PAYMENT AND this entire ACCOUT IN FULL OFF OF MY CREDIT REPORTS AT ALL BUREAUS. I have attached a few emails but have HUNDREDS more. I DO NOT OWN THIS ACCOUNT. I have PERFECT payment history, I wouldnt skip a {$20.00} payment. It has ruined my life and credit bc now I lost the home I was purchasing bc it dropped my score XXXX points.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Information reported in error or fraud ... numerous unauthorized inquiries on credit report.. request immediate removal... additionally several items reporting in error ... XXXX XXXX XXXXXXXX  reviewing my credit and attempting to purchase home ....
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (IL)

My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my Chase card on time. 

However, I noticed that my statement had XXXX ) the wrong home address, as I had moved XXXX miles away XXXX ) the wrong balance XXXX ) and the wrong authorized payment I have repeatedly called Chase about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called XXXX slurs, and told that I'm a XXXX and a XXXX  by a receptionist at Chase ( XXXX XXXX XXXX XXXX XXXX but that didn't seem to protect me from discrimination  ). I've also been told to go back to my country, even though I was born and raised in America. I've had Chase employees make fun of my name, and told " XXXX XXXX XXXX is irrelevant to Chase 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within Chase about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since Chase fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called Chase Bank yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

Chase has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and XXXX XXXX, and has refused to do report accurate information to the credit agencies. Chase bank needs to be held responsible I have included the Chase statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my XXXX  XXXX XXXX. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit score is very low it was XXXX and changed over night my credit score should be higher than this but your company took it down i am XXXX XXXX XXXX and paying my bills why is my score so low my car paid in full and I paid before time but you took my credit score down