davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (PA)

I have received two Debit cards which were not applied for. One is from Chase and one is from XXXX. I have tried to get through to Chase 4 times and got the runaround. I reported it to XXXX XXXX Police and got an Incident # XXXX. Many people are getting the same cards.
Consumer complaint received 2021-03-09
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: ID Analytics, Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX  and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2021-03-09
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: FactorTrust, Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (WA)

I filed a complaint with CFPB in XX/XX/XXXX - your report # XXXX I heard nothing else from this company until I got a notice early this year on my credit report saying it was 120 days past due which made a big difference in my credit score This account was written off by the company and when doing that they decided to file this negative past due payment information So everything they say is not true. They have not been able to prove to me that this was a joint account by providing my original paperwork that I signed in XX/XX/XXXX They have not sent me any of these 120 days notice of late payments by mail or email
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

Trans union and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX  XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXXr I have a service called XXXX XXXX through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I issued a check for {$770.00} which was lost in mail. On XX/XX/2021 I noticed that the check was cashed by my bank without any endorsement at the back of the check. The payee never received or cashed the check. I notified the bank on XX/XX/2021. Although the check was cashed, XXXX XXXX from the bank told me that they will stop the payment. On XX/XX/2021 I called the bank again and XXXX XXXX told me that the check was already cashed they can not stop the payment. She promised to send me a form to fill out and return it to the bank for processing. I waited one week but the form never came through. I went to my Chase bank branch in XXXX, CA and filled out the form. My bank branch faxed the completed form to the main office and showed me that it has gone through. I called the Chase bank fraud department on XX/XX/2021 and they claim that they never received the completed form faxed by their branch in XXXX, CA. They asked me to go to the branch and tell them to fax it again. As of today ( XX/XX/2021 ) I have not received the form they promised to send me from the main office. They told me it will take 60 to 90 days to resolve the issue. I am sick and tired of the bank 's behavior and mishandling the documents. If there is no endorsement at the back of check as to who cashed the check, why the bank will disburse the funds from my account. CHASE BANK HAS A LOUSY SERVICE WHEN IT COMES TO TAKING CARE OF THEIR CLIENTS.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was mis informed by the agent with loan depot to ignore the email that I got from Loan Depot as they can see that I already put in the draft payment last XX/XX/2020. I have spoken to agent several times. I have all the records, even voice conversations with their agent. 

Loan Depot did not send out delinquency letter to my address. This is clearly a technical fault from their side. I also did not receive a MAIL not email regarding the change of payment location that Loan Depot for their permanent notice of servicing. 

I have all the agent information whom I have spoken with. 

This is very bad to mislead a client who has a perfect record for almost 11 years!
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (RI)

Past Due Property Tax Payment from Escrow Account. 

Loan # XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX. 

CROSSCOUNTRY MORTGAGE,XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX is the servicer of our mortgage loan at the above address. 

The City of XXXX sent us Past Due Notice Regarding Real Estate Tax for the year XXXX. 

According to the Initial Escrow Account Disclosure Statement, Property Tax to be credited by XX/XX/XXXX. Due to failure on their part, City of XXXX is charging {$140.00}. XXXX as interest. 

We sent a Notice of Error by certified mail on XX/XX/XXXX and they acknowledged the receipt of letter on XX/XX/XXXX. 


It is more than 14 days and we didn't receive any information. The deadline for Property taxes to be paid is today XX/XX/XXXX and at this time of writing XXXX XX/XX/XXXX the property tax is not credited to City of XXXX, RI
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (SC)

I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.
Consumer complaint received 2022-12-24
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. (CA)

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

XXXX : XXXX has 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 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 2017-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Submitted dispute regarding missing mortgage payment on my credit report. ( Transunion ) on XXXX/XXXX/XXXX. I submitted additional information that was requested on XXXX/XXXX/XXXX. I received a letter stating that the investigation would be completed on or before XXXX/XXXX/XXXX. I still have not received results of this dispute, as of XXXX/XXXX/XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc. (CA)

I received a letter from the collection agency back in XX/XX/XXXX stating that I owe {$900.00} plus interest to an XXXX for a procedure that was done in XX/XX/XXXX in XXXX XXXX XXXX. I havent done any procedure in XXXX! I contacted the collection agency and explained that this doesnt belong to me and asked for a backup documents. They sent me a screenshot of something that doesnt even indicated any proper information as when and why this procedure was done. They verbally told me that It was done in the XXXX XXXX. I contacted the XXXX XXXX XXXX and spoke to every department possible and they have no record of me as they shouldnt because I was never been there before. I called the collection agency back and explained but they refused to listen. I had a perfect credit of XXXX that I worked really hard over the years to achieve and because of this untrue charge my credit went down to XXXX.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MA)

I applied for a mortgage on XX/XX/2021 with Cardinal Financial ( also known as XXXX  XXXX  ) based on rate information published on XXXX and XXXX. Both websites listed XXXX as among the lowest rates and lowest fees available for the product I was considering ( 15 year convential mortgage refinance ). I called them and spoke to a mortgage person and explicity told them that I was calling because of what I saw on XXXX and XXXX. The person collected all of my information and pulled my credit. My qualifications ( income, credit history, work history, current equity level in my home ) were all outstanding and the mortgage person remarked every step of the way how favorable to my application each of these things were. He said he had to run the numbers for me and would call back later in the afternoon. To be clear, I applied for a mortgage expecting something along the lines of 2.125 % APR with total costs of {$1.00} ( what I saw on XXXX ). The mortgage person came back with 2.5 % APR with total costs of around {$2000.00}. When I expressed my dismay about the disconnect between what he was offering and the rates that I had seen online, his response was that he didn't have any control over what is published on sites like XXXX. While he may not be personally providing rates to XXXX and XXXX, I doubt that they are pulling them out of the air with no input from Cardinal Financial. Looking at both XXXX and XXXX today ( a day later ), the rates have changed slightly, but XXXX is once again at or near the top of the list. It certainly feels like a bait and switch set up, where Cardinal Financial is providing rate and fee combinations to these websites where no one will qualify ( even if their credentials are impeccable ). Lots of people rely on XXXX and XXXX for pricing information and Cardinal Financial knows this and has figured out a way to appear to offer the best pricing without actually following through on it. That is deceptive.
Consumer complaint received 2021-03-09
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: Affirm Holdings, Inc (CA)

The company who reported incorrectly gave the loan details to me in which also they never called me about a missing payment when I was clearly paying weekly. They were no help and reported payments missing though I attempted to call with no answer multiple times due to needing covid assistance with my purchase. 

I still paid everything off before they reported the account as delinquent.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

On XX/XX/2021, I made a transaction of XXXX USD ( for payment on my student loan ), and I received the email confirming the transaction was approved and is processing. On XX/XX/XXXX, my account was debited with XXXX XXXX. But on XX/XX/XXXX, my account was closed, and it was not communicated to me until I contacted customer services. The reason was that I tried multiple transactions that were getting failed. This was not the error shown while I was trying to make the transactions. The error on the app was " something went wrong. Please try again. '' The customer representative told me that the transaction was getting failed cause I didn't have enough funds in my bank account, which is incorrect ; I had a sufficient balance in my bank account. I have my bank statement proving this. 

The customer representative said that the amount XXXX is not received for the transaction, whereas my bank account shows that the amount was debited.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

Hi my credit report shows US bank account I have never authorized anyone to open an account with US bank I have called them to let them know that I am a victim of identity theft, however they haven't done anything. I need US Bank to delete this from my records and report accurate information to all 3 credit reporting agencies.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America. I settled a credit card debt with a debt collector ( XXXX XXXX XXXX XXXX ) working for BOA on XX/XX/2020. I paid via XXXX - {$1000.00} and a second for {$790.00}. I need a tax form ( XXXX ) - forgiven amount of $ XXXX from BOA for the settlement account. I have been in contact with Bank of America ; however, I can not get information about the tax forms.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (WI)

Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe VW CREDIT INC and I do not have a contract assigned to VW CREDIT INC. VW CREDIT changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with VW CREDIT INC and I've asked for the credit application which they refuse to provide also.

I have given VW CREDIT INC multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about?

SERVICE I've requested VW CREDIT INC to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I paid off a debt in person to XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of {$180.00}. I sent the receipt to Equifax and XXXX twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion received an update from the Department of Education  today, claiming that my past due balance had increased {$1.00} ( one dollar ). For that information TransUnion reduced my FICO score 55 points. The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. I have attached the most recent payment that posted to my current service provider on XX/XX/21. Showing that the notice Department of Education is purposely inaccurate. This repeated abuse is damaging and its only purpose is to cause injury.
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Good evening, My name is XXXX, and I was scammed on Paypal by XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ). It was services that they didn't complete and didn't give me back a refund.