davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (MI)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$7400.00XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX : {$1800.00} XXXX XXXXXXXX XXXX XXXX {$25000.00} XXXX  XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
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. (MI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (PA)

In accordance with Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Experian written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency " Experian '' is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a phone call from what they said was Chase Bank which is my bank. The individual noted that there were fraudulent charges on my account as follows : {$5000.00} of XXXX XXXX attempts in XXXX Georgia {$2000.00} of XXXX purchases in XXXX Georgia {$43.00} charge at XXXX in XXXX I do not live in XXXX nor have I travelled to XXXX. The individual read off other legitimate charges to me. They indicated that they would call me again on Friday, XX/XX/XXXX, at XXXX XXXX. They also sent me emails from JP Morgan Chase indicating fraudulent charges. 
On XX/XX/XXXX, I received a phone call from an individual who noted that he was noting a {$41000.00} transfer out of our account to a person named XXXX XXXX. He is asked if I authorized this to which I said no. He was sending codes to me and my husband as if he was from Chase ( his phone number was XXXX. He noted that there was a special FBI and Police investigation- it was an active investigation and that I could not speak to anyone to not compromise the investigation. 
He subsequently directed me to the bank to wire money to catch the criminal noting repeatedly that this was the way to catch the criminal. I wired a total of {$40000.00} from my checking account at Chase while he told me to not say anything to the teller as this was part of the process in the investigation. 

I subsequently wired money to XXXX XXXX at XXXX XXXX  and am now trying to recall the wire as Chase has noted that this is not a practice they would do nor would they engage in this type of a criminal investigation. The amount of the wire was XXXX {$40000.00}. 

On XX/XX/XXXX I filed a IC3 Complaint Referral Form with the FBI. The FBI called me 2 days later noting that they had received the information and would put a message out to the banks. 

I subsequently called XXXX XXXX  and have spoken to an individual in the Wireless Fraud Department who has told me that most of the funds that were wired to the account are still there. We have also been in contact with XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX XXXX  has requested us to pursue a Hold Harmless from Chase Bank. We have been in pursuit of Chase Bank ( in person and over the phone countless times ) to determine who can help us from within Chase to obtain a Hold Harmless. We need our funds back and Chase is the bottleneck at this point. I have tried to figure out who the District Manager is at Chase Bank in XXXX XXXX as the Branch Manager is unable to assist much further. 

Chase Bank has also noted - via their Secure Messaging Portal - that they can not get in touch with Regions Bank. I have already supplied them with information on who to contact.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-05-19
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I contacted cap ital one abo ut a payment program because I am a   XXXX   XXXX   who had a reduction in work hours. I was told I was accepted into the program and to pay  XXXX  a month. I paid the  XXXX  a month and my account never updated or my bill never reflected anything about the program. I called back and I was told the lates on my credit report would be corrected I was also sent a letter regarding the corrections capital  one  would fix on my credit report which they never did. I called again and spoke with a  manager  and he assured me to keep paying the  XXXX  that my next bill would be updated. Still did n't receive an updated bill with that amount. Ca pital one ha d ruined my credit because of their mistake. They sent a letter saying they would fix my reports in  XXXX  but they never did. I also was n't sent any materials about my assistance program.
Consumer complaint received 2024-03-05
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. (TX)

Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. Experian, XXXX and XXXX claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out citing that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.
Consumer complaint received 2023-02-03
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. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXXXXXX 15U.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.

15U.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 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 2023-05-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

In XXXX I was given a {$500.00} Visa Gift Card as a XXXX present from my employers. When I first attempted to use it, I was directed to a site where I could check my balance and see what's going on. It showed I had made a transaction to XXXX for the purchase of an item that was not me. I attempted to resolve it with XXXX to see if they can reverse or stop the charge from going through. They said I would need to wait for the card to go through then dispute with Vanilla Visa Gift Card services. I did that. I was assigned a case number. I followed up and received a received a replacement card in XXXX of 2023. At this point it has been 5 months. I received my replacement card and found I can't even activate it. It was saying my date of birth was incorrect. I followed up with Vanilla Visa Card services and they are telling me it is going to take further time to resolve this issue and provided me with a new case number. I don't know what else to do but people need to stop buying these cards, as they make it extremely easy to be scammed and on top of that they make it difficult to access the funds. Please help. Please. I can't imagine how many non profit companies accept gift cards and then aren't able to use them .Do not purchase a Vanilla Visa Gift Card XXXX I will be letting my employer know the trouble it's been and request a different bonus option.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO. (PA)

In 2021 Ford advertised the XXXX  XXXX. Paid reservations had to be made in order for customers to purchase vehicle. 
I have waited now almost 2 years. Now that my reservation has become available for ordering, F

ord is delaying the ordering. There has been a request for dealership change but yet Ford will not change the dealership but has advised, " do not order vehicle until dealership is changed! '' There has been multiple attempts to communicate with Ford and have this issue rectified but still nothing.

I am excited to order and receive vehicle but this level of customer service is concerning!

It seems Ford used customers then have left them high and dry.
Consumer complaint received 2018-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (DC)

PHH Mortgage has made false entries on my account and PHH Mortgage needs to complete a forensic audit of my escrow account. In XXXX PHH began servicing my loan. I have a Customer Account Activity statement that shows {$350000.00} in escrow disbursements. The DC Office of Tax and Revenue has provided me documentation to show receipt of {$190000.00}. PHH transferred my loan to XXXX in XX/XX/XXXX. Prior to transferring the loan, PHH documentation shows 15 disbursements of {$320000.00} between XX/XX/XXXX to XX/XX/XXXX. The D.C. Office of Tax and Revenue only received {$160000.00} in payments during this period. On a single day, XX/XX/XXXX, PHH made 11 entries on my account totaling {$150000.00}. All of these payments are listed as Payment of City Tax with the exception of one disbursement which is titled Special Disbursement. The DC Office of Tax and Revenue has not received any of these payments. I am suspecting false entries and falsification of information. Eight of the XX/XX/XXXX are duplicate entries with duplicated dollar amounts and the Office of Tax and Revenue did not receive any of these payments. Further evidence of escrow fraud is demonstrated by lack of escrow disbursement activity in XXXX, XXXX, XXXX. For these years, my payments were escrowed for taxes ; however, no tax payments were made. InXX/XX/XXXX, PHH completed an escrow analysis and increased my payment to ~ {$18000.00} per month from a previous payment of XXXX {$2200.00}. I suspect this action was to force my property into foreclosure with the false payment entries. Finally, during the years that I was making escrow payments and my loan was current ( XXXX ), my account incurred {$61000.00} in interest and penalty charges. In addition to resolution of the false escrow account entries, PHH owes me a refund of this amount since they failed to make the tax payments ; however, they refuse to address this issue. All of this questionable activity occurred before I stopped making payments inXX/XX/XXXX. The loan was transferred to XXXX in XX/XX/XXXX.
Consumer complaint received 2023-05-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (FL)

On XX/XX/XXXX XXXX 2023 I closed on loan number XXXX with Statebridge Company LLC that took over the loan ( 1 ) month before I sold the home for this loan. Statebridge Company LLC stated to me they reported to all ( 3 ) credit bureau which is not showing on any of the ( 3 ) credit bureau 's. I need it to show I had the loan with Statebridge Company LLC in the amount of {$67000.00} and that it was paid in full. Attached are the closing statements and a letter from Statebridget that they had my mortgage.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX  XXXX  EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2018-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-04-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2019 statement. XXXX CREDITS XXXX {$280.00} & {$200.00} ** USAA REVERSED BOTH CREDITS XXXX  JUST PAID ON XXXX/XXXX/2019.?? Note OTHER CREDITS ( summary account activity ) DID NOT APPLY FOR THAT PERIOD. XXXX TOTAL CREDITS FOR THIS PERIOD {$910.00}. XXXX NONE ARE USAA CREDITS. USAA HAS SUBTRATED ALL. USAA Temporary Adjustment Credits *CONFIRMING TOTAL CREDITS ONLY OF {$910.00} APPLIED XX/XX/2019 WERE MERCHANTS CREDITS. see transactions XX/XX/2019 {$280.00} & {$200.00} USAA REVERSED THE ONLY CREDITS APPLIED MADE BY XXXX. USAA DID NOT GIVE CREDIT TO TAKE. USAA SUBTRATED. ALL THEIR CREDITS ONLY APPLYING {$910.00}. USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD.
Consumer complaint received 2021-07-10
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: Synovus Bank (OH)

I have a first progress credit card. Where I make a {$100.00} minimum payment. I payed on time thorough out all the pandemic. I recently have gone through a financial hardship and I missed one payment because of that. I then made the payment but I still had a late payment on my record. It was in XXXX of 2021.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXXXX/XX/XXXX