davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: AR Resources, Inc. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hi I called the companies and bureaus many times about these unauthorized inquiries and nothing has been done. These are fraud called on XX/XX/XXXX 3 times and was hung up twice on by XXXX, called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Bank XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Finance XXXX XXXX Inquiry from XX/XX/2020 + Finance Please remove these fraud inquiries
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

My loan with Dovenmuehle was paid off on XX/XX/XXXX. When I logged in to confirm my loan was paid in full there was a disclosure that stated to allow 15-20 days for escrow refunds. Since that time has lapsed, I have called on at least five separate occasions and been told every time that a task would be opened and to allow an additional 6-10 business days for the refund. Today ( XX/XX/XXXX ) when I called, I was told that the " wrong task '' had been opened previously and now the correct task was being opened and I should allow another five days for the funds to be processed. I'm not hopeful they will resolve the issue so rather than continuing this fruitless cycle, I'm filing this complaint in hopes it will be resolved.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

The mortgage on my home was paid off in XXXX of 2018. 5th 3rd bank has left the mortgage open and has illegally left a lein on my property. I am unable to obtain a loan against my property with another bank until this lein is removed. I have contacted 5th 3rd bank XX/XX/XXXX. XX/XX/XXXX XXXX and XXXX and nothing has changed. I have had the XXXX county recorders office send over proof of lein on XXXX and XXXX. According to ohio law the mortgage co. Has 90 days after loan is paid off to remove lein on property. My loan was paid off 31 months ago. I want lein removed from house.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2021-01-11
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. (TN)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (ID)

On XX/XX/2021, my mortgage payment of {$1000.00} cleared. On XX/XX/2021, a duplicate mortgage payment of the same amount cleared, which I was not expecting. On XX/XX/2021, I noticed the anomaly and immediately contacted my loan servicer, Homeloanserv, to correct the issue. The customer service agent was friendly, but they simply directed me to a support email address with instructions to submit a screenshot of my bank statement as proof and ask them for a refund. 

I did this right away, to which I received an automated response asking me to wait 5 days before expecting a response ( due to COVID-19 ). 

On XX/XX/XXXX, a new transaction appeared on the website for a refund, but it was left as In-Progress. By the end of the day, the transaction was updated to say that the transaction was completed, but I have yet to receive a refund. 

On XX/XX/XXXX, I contacted the company again via phone, and I was informed that they are only allowed to send refunds by a physical check in the mail. I received the tracking number from XXXX, and it looks like the check is supposed to arrive today by XXXX. 

Finally, on XX/XX/XXXX at about XXXX, the check arrived. I was able to deposit it and have {$500.00} in my account today while the remaining {$550.00} is on hold until the check clears. 

Also, it's important to note that the duplicate mortgage payment was a complete duplicate, as in I paid interest and escrow in the duplicate, not just principal as would be expected for any additional payments in a single month.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently visited XXXX, XXXX, and Transunion websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; Transunion shows XXXX actual XXXX.
Consumer complaint received 2022-11-18
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXX  .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2021-01-12
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: Santander Consumer USA Holdings Inc. (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (FL)

On Sunday XX/XX/24 my bank account was robbed after scammers, posing as my bank under the name Chime XXXX, informed me of a pending {$500.00} charge in XXXX Texas and proceeded to call me and told me to sign into my account. 
When did as told they had me approve their spending telling me that I will be refunded shortly. 
Since then I have been wrestling with Chime to refund my money and have been denied for five days straight. They refuse to give me a reason why my account was denied and now it seems they want ME to pay them {$640.00} for charges I did not make.

Im financially ruined and now having to live off my dads credit card all because of scammers and a bank that refuses to help.
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: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I sent a letter to Experian requesting full disclosure pursuant to 15 US Code1681g ( a ) ( 1 ) on XX/XX/2024 to all accounts listed. I clearly stated that I did not want another copy of credit report and that is what they sent back to me.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On XXXX, the account was charged on XX/XX/XXXX. On Equifax, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to Equifax for the year XXXX, while also showing CO status on XXXX during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, Equifax, and XXXX have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES (LA)

This company keeps contacting me and my job even though the debt is not mine. The worker stated that she will not stop contacting even though she knows I do n't owe them anything. This collection company is jeopardizing my job.
Consumer complaint received 2023-07-15
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: JPMORGAN CHASE & CO. (WI)

XXXX and XX/XX/XXXX, sent negotiable instruments which Chase processed but did not adjust amount on balance. Account paid in full. They altered a negotiable instrument but claim it wasn't accepted.
Consumer complaint received 2021-01-12
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. (CA)

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-03-01
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

XXXX has deleted the payment plan I had set up and closed out the two collection accounts. But they are still doing me wrong by unfairly reporting these unpaid every month on my credit report. They are lying in their responses just to get out of being in trouble. They have removed XXXX account from my XXXX  credit report but not my others.
Consumer complaint received 2021-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: California Business Bureau, Inc. (CA)

on XX/XX/2021, I received a message from XXXX  that the company California Business Bureau, address XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX, made an installment Loan Inquiry, hard inquiry. I didn't consent or allowed this company to make a request and I didn't request or summit any request for any type of loan. I believe this company is using my information illegally to obtain my personal information. I had spoken to this company about a collection account that I was not aware of. This company later made an installment loan inquiry. I am concern that the above company will continue to violate my privacy.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc. (TX)

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Harvest Associates does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2023-05-26
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My loan was transferred to this New Rez Shellpoint Mortgage XX/XX/XXXX. I was informed of the transfer very late. Because of the late notice, I was unable to cancel a payment that I scheduled electronically XX/XX/XXXX with the initial lender. All of the notices I received ensured that all payments made to the previous lender would be credited to my mortgage. Fearing late payment fees, credit reporting, and other negative implications, I made a payment to the current lender~Shellpoint on XX/XX/XXXX as well as XXXX the other lender. I called the evening of XX/XX/XXXX and spoke with a representative by the name of XXXX XXXX and he assured me that any payment made to the previous lender would be credited to my account. I have been calling Shellpoint mortgage every week since that day. Despite proof of payment ( copies of bank transactions, previous lender documents ) they have not credited my account. I have received notices from them threatening to report me to credit agencies. Every time I call, I get a new agent who knows nothing about the situation. After an hour of repeating the issues I am told that it will be escalated and to call back in 48 hours. It has been 4 months without any resolution. As of this date,XXXX, I have called Shellpoint Mortgage 20 times speaking with reps, supervisors, customer service representatives each call lasting on average 45 minutes. The calls always end with an empty apology and promise to escalate. I received notice today that they have reported a late payment to the credit bureaus.