davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (FL)

15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-03
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. (OR)

On XX/XX/XXXX Chase had alerted me and said that they thought fraud was taking place on my account for {$150.00}. I agreed that that charge was fraudulent and locked my card. Chase authorized a new card to the account. After my card was locked and they reissued a new card my account they allowed for a total of 27 charges. 
{$150.00} charge nine times {$63.00} is charged once {$40.00} was charged once {$2.00} is charged eight times {$2.00} charge once I had a meeting with one of the bank specialist to figure out how this happened. They said they're able to access my digital wallet they would return the funds charged by XXXX XXXX. And that it would take two days. However the only reversal that was made was {$2.00}. and then they found that the other charges were not able to be refunded because the scammers had my card information... 

For Chase to alert me that there is from my account but still don't allow 26 more fraudulent transactions is a failure on their to part to protect my money.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/Madam, I am writing to file a formal complaint regarding a case of identity theft and unauthorized financial transactions that occurred between XX/XX/XXXX and XXXX XXXXThe details of the incident are as follows : On XX/XX/XXXX late afternoon my phone ( the number is XXXX ) showed SOS no signal, I went to the phone store they told me my phone number had been unauthorized port out, I lost my phone number. 
On XX/XX/XXXX, me and my family had flight to outside the country before the airplane departing my wife login to our Chase bank account saw the unauthorized wire transfer, resulting in a loss of {$9900.00}. 
During XXXX, the thief use my phone number and my personal information to open 4 credit card. 
Also from XXXX XXXX XXXX the thief try to use my Chase credit card to make purchase. 
- On XX/XX/XXXX, when I get off first stop by airplane, I immediately contacted Chase Bank to report the unauthorized transactions and froze all my credit accounts. 
XXXX XX/XX/XXXX when I come back to U.S - I contacted local law enforcement and filed a police report at Police Station XXXX 
- I also filed an Identity Theft report online. 
- I provided a letter from XXXX XXXX XXXX certifying that my mobile phone number was stolen. 
- I contacted the major credit bureaus notify about the identity theft. 
- I called to dispute the credit cards by thief opened. 
Unauthorized Accounts and Transactions : -Wire transfer by Chase , Account number : XXXX Amount : {$9900.00} - Credit card opened by thief - [ ] XXXX XXXX - XXXX ] XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Chase credit card they try to purchase from XX/XX/XXXX XXXX XXXX, the credit card number is : XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX. XXXX XXXX XXXX. {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX. {$1300.00} XXXX. {$3000.00} XX/XX/XXXX. XXXX XXXX {$500.00} XX/XX/XXXX. XXXX XXXX. {$2600.00} I kindly request that the FTC investigate this incident thoroughly and take appropriate actions to help resolve this case. I believe that the circumstances surrounding this identity theft indicate a clear breach of security and negligence on the part of Chase Bank. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please do not hesitate to contact me if you require any additional information.
Consumer complaint received 2023-10-03
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Equifax is not reporting my score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (SC)

Hello, This is our 18 time writing a complaint about Ocwen Loan Servicing.

Ocwen acquired XXXX XXXX XXXX to collect debt for them. 
XXXX XXXX XXXX was not licensed in the state of Maryland. 
Ocwen were using a company unlicensed and could use any deceitful tactics to collect. 
Attorney for Ocwen XXXX XXXX has stated Ocwen legally did notting wrong.
Consumer complaint received 2023-10-03
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (OK)

I have been paying my mortgage by direct ACH payments, On XX/XX/XXXX of XXXX, a normal payment of {$630.00} went from my account to the mortgage holder Nationstar Inexplicably, XX/XX/XXXX, nationstar returned the payment to my account, XXXX I received notice that nationstar required certified funds for the last payment which should have been less than {$200.00} had nationstar not returned my XXXX payment, Regarless, i went to the bank on XX/XX/XXXX and obtained a cashiers check for the requested payoff of {$700.00} and sent payment by certified mail. 

Nationstar received the payment on or about XXXX XXXX XXXX well before the required due date. 

again, inexplicably, on XX/XX/XXXX, Nationstar returned this payment to my account. 

I tried a third time to pay off the note. On XXXX, I obtained a cashiers check and sent to nationstar by certified mail. 

For the third time, Nationstar sent me a check for the amount of the cashiers check {$700.00}. I still have that check and will NOT cash it. 

Nationstar will not release their lien and are harrassing me at home and at my work. 
I have tried several times to pay off this note. They will not process my payment and just keep adding bogus charges. 

XXXX
Consumer complaint received 2023-10-03
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. (SC)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On my experian credit report theirs a negative item that's fraud its a collection agency account call collection it has a balance of XXXX XXXX dollars I have a federal trade commission identity theft report on file that account supposed to be removed
Consumer complaint received 2023-10-03
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. (OK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (KY)

When I first bought my home Green Tree was the mortgage company but my mortgage has been sold several times and now it is with Shellpoint and I'm trying to get an equity loan and can't because Green Tree is on my title as the lien holder and they are no longer in business and I need that removed from my title so I can transfer it over to a real estate title and can't because Green tree is no longer in business and can't anyone get ahold of someone from Green Tree to get it removed.
Consumer complaint received 2022-12-08
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. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct number XXXX XXXXXXXX I did not provide permission for this to be reporting to my credit report. 


Please remove right away.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (FL)

THEY BEEN CALLING ME SEVERAL TIMES, BOTHERING ME ARISE ME THAT XXXX ARE GOING TO USE A LAWYER TO BE SURE THAT WILL COLLECT OUTSTANDING AMOUNT OF {$10000.00} WITH ALL INTERESTE ACUMULATED IF TAKE ME TO COURT IS GOING TO BE MORE MONEY ... .SEVERAL TIMES ... WHICH TOLD THEM STOP CALLING ME, DON'T ARISE ME ETC, BUT THEY KEEP INSISTING ME I AM XXXX  YEARS BEEN I N THE HOSPITAL TWICE, AND DON'T NEED THIS AGRAVATION, PLEASE I AM BEGGING TO HELP ME NEED TO GET AWAY FROM THESE PEOPLE... .THANK YOU VERY MUCH FOR YOUR SUPPORT AND COOPERATION ... ..They been having a lot of colplaints, from Consumers. 

Note : The name of this Company is : Credence Resource Management, Their PH # ( XXXX ) XXXX, but think they been calling me from others of theirs numbers, Thank Again.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 13th 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 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
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.
Consumer complaint received 2022-11-09
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: Avant Holding Company, Inc. (GA)

On XX/XX/XXXX, a few fraudulent charges came through my AvantCard. I've had several conversations and have filed several disputes with Avant ad they have to resolved the fraudulent charges o my account. Avant has charged me interest rates ad late charges for an account I have to used. I am more than happy to pay the annual fee that charge but the account has to be corrected. I should to be responsible for the fraudulent charges nor the interest charges ad late fees as a result of said charges.
Consumer complaint received 2023-10-13
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has several issues on my credit file which are XXXX XXXX/XXXX XXXX # XXXX I was not past 30 days in XX/XX/XXXX or XX/XX/XXXX and have proof on my bank account when payment was taken. This needs to be removed ASAP Several accounts have late payments listed when payments were deferred due to a natural disaster remove all late payment remarks on the accounts I have requested several times and nothing has changed and the reports back state Experian has done nothing as it states on the accounts item was updated and a date which I disputed recently nothing has been addressed XXXX/XXXX  XXXX Unknown account, how did your company verify this? 
XXXX XXXX # XXXX Unknown account, how did your company verify this? 

There are also several names which do not belong to me XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.
Consumer complaint received 2024-04-04
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. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-08-10
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: Americas Car-Mart, Inc. (TX)

Someone opened an auto loan in my name, They repossessed the car and added it on my credit report with a balance. 

XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX : {$1800.00}
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

Nelnet has not processed my new REPAYE application within ten days and sent me a statement with accrued interest ; they state I am still on XXXX. It has taken longer than four weeks to adjudicate this request.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

Not my debt 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
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (MI)

On XX/XX/2023 I opened a Key Business Reward Checking Account at Key Bank located at XXXX XXXX XXXX XXXX. XXXX XXXX, MI. The account was opened with the marketing code : XXXX, which gives a {$500.00} bonus with the following criteria met : -opening deposit of {$25.00} -make 5 eligible withdrawals and 5 eligible deposits -maintain a minimum daily balance of {$2000.00} in the first 90 days.

I have met and even exceeded each criteria listed above, however Key Bank has not deposited the {$500.00} bonus in my account and they have refused to answer questions regarding this issue.

I have visited the bank several times to speak with bank manager regarding this issue. I have not received a direct answer. The manager and representation at this branch are rude to me. The bank manager even told me not to apply for a credit card because she doesn't think my score would be high enough. I believe the bank manager wanted to discourage me from applying for a credit card due to XXXX discrimination. 

I would like Key Bank to honor the marketing code ( XXXX ) they advertised to get me to open an account at their branch and deposit the {$500.00} checking bonus into my account. I would also like to know why the branch manager told me not to apply for a credit card without even pulling a credit score/report.