davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (FL)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I have two credit cards serviced by Chase. One of them is an XXXX XXXX. When my XXXX XXXX membership was up for renewal the XXXX XXXX ( serviced/owned/financed by Chase ) was charged for that renewal but that membership was not renewed by them. When I complained XXXX  the XXXX  that they did not renew my membership but instead kept my {$110.00} anyway they ( Chase ) just strung me along for about three weeks but did not remove the phony charge from my bill. I want my {$110.00} refunded and this bank investigated for fraudulent billing someone and even after it is brought to Chase 's attention they did nothing to resolve it and just kept the fictitious charge on my credit card bill. The transaction at issue was on XX/XX/21 for {$120.00}. They refunded the {$7.00} ( which I later learned was for sales tax ) but kept the {$110.00} on the credit card bill. The only logical explanation was that this was done based of greed and vindictiveness because I had asked them why an extra {$7.00} was added to my {$110.00} renewal fee. If they did this to me you can bet they did it to others also. I want the {$110.00} refunded since they canceled my membership instead of renewing it. When I complained directly to XXXX  they told me to " take it up with your bank ''. Even though Chase services the XXXX XXXX they ( XXXX and Chase ) just passed me back and forth with a monkey in the middle run around but no resolution after stealing my {$110.00}.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (GA)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history.

The incorrect names on my credit report are causing a negative impact on m

y credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help corre
ct errors and ensure the accuracy of their credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2021-03-17
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)

There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (PA)

XXXX is not compliant with their investigation The operators are not allowing me to explain show them The law that they are violating there are an authorized Account on mine consumer report
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

To whom it may concern, My name is XXXX XXXX and my wife and I applied for a mortgage with Chase Bank to buy an investment property. We were given a pre-approval letter and we assumed that we were ready to start looking. Our real estate agent helped us locate, make an offer, and get a contract on a property at XXXX XXXX XXXX XXXX, TN. 
On XX/XX/2021 we received an email from one of your employees claiming that we were ready to close and a closing date was set up. We then began making accommodations and ordering inspections on the property assuming we had the funding. 
We attempted to contact the agent XXXX  on XX/XX/XXXX, we didnt receive any response. On Monday XX/XX/XXXX we then found out he was on vacation. At that point we where informed that the person who was in charge of our file while he was out was also on vacation. We finally got in touch with their supervisor XXXX XXXX and discovered that we did not have sufficient documentation to close on the property. Now we are being told that there is a ninety-eight percent chance that our loan will be declined, due to being self-employed. 
I feel as though Chase Bank has mislead us into thinking we could do something we apparently could not do. Now we have not only wasted our own time, but we have also wasted our personal real estate agents time, the sellers agents time, and the sellers time because his house couldve been on the market this entire time. We have also wasted thousands of dollars with inspections and furniture purchases for this property. I feel that we have been abused by Chase Bank because of the ineptitude of their employee. The supervisor even went as far as to say he felt we could afford the property but for whatever reason it seems we will be denied the loan. 
No one has apologized for the inconvenience this has caused not only myself or the other people in this transaction. I expect for Chase to follow through on your commitment for funding that your company initially offered, and I am asking the Banking Commissioners for both the state of Tennessee and Florida to investigate the matter. 
Please feel free to contact me by email at XXXX or by phone XXXX. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2020-03-31
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)

Subj : Dispute filed : XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX XXXX  XXXX XXXX Mortgage last four of acct # XXXX is reporting on my credit report that I had missed XX/XX/2019 payment. I have provided my XXXX electronic bank receipt that show my payment was made on time and XXXX  XXXX XXXX has provided several letters stating the reported late payment needs to be deleted, but EXPERIAN has refused to correct the error and this has caused me to be disapproved for a loan. My acct with XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX is current AND THERE WAS NOT A MISSED PAYMENT FOR THE MONTH OF XX/XX/2019. Im requesting that the incorrect information be removed from my credit report and my acct be reported as current for the month of XX/XX/2019. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

This company represents XXXX XXXX. I paid XXXX XXXX directly the {$110.00} they said was owed. I never received any correspondence from Caine and Wiener. I noticed their information when I was denied my HOME loan based off of their entry to my credit profile.Someone please help. I have made a complaint and a formal dispute with Caine & Weiner, XXXX, and Attorney General of California, Georgia, and Texas. My end resolution is to get this entry deleted.
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

In XX/XX/XXXX I sent XXXX EUR to a Church in XXXX trough Pay Pal, in XX/XX/XXXX I sent another XXXX EUR and the last transaction I sent XXXX EUR in XXXX XX/XX/2019, all this money I sent was for the building project of the Church. They have been trying to retrieve the money with no success, every time the Pay Pal in XXXX demanded a different document, when they { church cashier } realized that will not be able to get the money they informed me and I tried to request the money back, but on the church 's Pay Pal account they don't have the option to approve the return, only that the account is unverified, unable to get them to prove the return I escalated the case with Pay Pal and shortly I received this " We have reviewed this transaction ( s ) and are denying your case ( s ). Cases must be filed within 180 days from the date of the transaction. The decision to deny was made because the case was submitted after the 180-day deadline. Therefore, we are unable to offer a resolution toward this matter at this time '' I don't know what my options are at this point, in XXXX they cant receive the money and here I was denied. 
Please help THANK YOU
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I'm afraid my complaint with reference XXXX did not receive an appropriate remedy : The company has requested me to have the Declaration of Lost Cashiers Check notarized. However, I have since moved to XXXX, and have no trips planned to the US. Thus, the company 's remedy imposes a financial burden that is not acceptable. 

I have received the Declaration of Lost Cashiers Check form at my address on file, who is attended to by an agent of the utmost confidence. In fact, I have received many pieces of mail, including checks, at this address. However, the Chase bank checks never arrived to my own address when I lived in the US,  nor to the current address on file. 

Since I now live in XXXX, please advise on appropriate the course of action. 

Thank you.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XX/XX/2020 I received a letter in the mail from Specialized Loan Servicing ( SLS ) stating they got notification from my Insurance Company regarding Cancellation or Non Renewal of my Homeowners Insurance Policy so I called them on Tuesday XX/XX/2020. A lady in the Escrow department said when my loan came to them the " Insurance '' portion was not placed into escrow ( which is not correct ). She stated she would do an Escrow Analysis right away so she took my Insurance Agent information and said she would contact them to let them know payment is coming. On Friday XX/XX/XXXX I called my Insurance Company and they confirmed my policy had cancelled effective XX/XX/XXXX. I was also informed that no one from SLS had contacted them. That Insurance Representative took my Mortgage company information and fax number and sent SLS a reminder that payment is due asap for my Homeowners policy. Today XX/XX/2020 I called SLS again. I was told they need to do an Escrow Analysis and my payment would increase which it should not but if it does to me it would be a small amount because the escrow I currently pay is more than enough to cover both taxes and insurance. My annual taxes is {$4700.00} and my escrow payment is {$470.00} per month. The Insurance renewal is {$1000.00} annual. The Representative XXXX invested more time in telling me that my payment would increase then looking into why nothing has happened since a week ago when I called SLS. She could see notes that I called in and an Escrow Analysis would be done and the Insurance Company would be contacted but she said she would have to do the same thing. 
When I asked why nothing has happened in a week she said she didn't know. Keep in mind that my Homeowners Policy has cancelled and I have no coverage on my home yet I'm paying for it every month in my mortgage payment. I called twice to my lender and was not only treated poorly especially by XXXX but I have no assurance that anything is happening to fix the issue and get my Homeowners Insurance paid. 
And by the way I got their letter on Sat XX/XX/XXXX and it stated that if I don't get some insurance by XX/XX/2020 they would get Insurance for me and add it to my monthly mortgage payment but they are the ones who has my Escrow account. Why didn't I get notification sooner? Please I need your help. The Insurance Agent told me if my Homeowners Payment isn't received by XX/XX/2020 my Homeowners Policy can not be reinstated without a break in coverage which could increase my insurance rates. 

Thank you.
Consumer complaint received 2020-03-31
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: CITIBANK, N.A. (VA)

On my statement billing cycle ending on XX/XX/2020 CitiBank issued me a credit for fraudulent charges of {$1600.00}. On my statement ending on XX/XX/2020 I was RECHARGED for the unauthorized online purchases in the amount of {$1600.00}. 

I advised the bank that XXXX  had my card as an authorized purchasing option. However, my XXXX was compromised and the card was charged for online purchases on XXXX. I advised CitiBank that these charges were not authorized or performed by myself or any authorized user. It seems they were correcting the issue but have now un-reversed the fraudulent charges.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (LA)

I refinanced this loan on my primary home in XX/XX/XXXX. Payment # 1 was Due XX/XX/XXXX. I made payment # 1 on XX/XX/XXXX ( to XXXX XXXX, the originating lender ). On or around that date the loan was transferred to Amerihome. Once I made XXXX payment it was applied to XXXX and I have been in accurately reported late to the credit bureaus. 

Please find proof of my XXXX payment ACH ConfirmationXXXX Inbox x XXXX XXXX XXXX   XXXX Thu, XX/XX/XXXX, XXXX XXXX  to XXXX ACH Confirmation XXXX This is your confirmation for the ACH Debit set to occur on XX/XX/XXXX in the amount of : XXXX Your Confirmation Number is : XXXX If you have any questions related to this transaction, please let us know and will be happy to assist you. 

Thank you for choosing XXXX XXXX!
Consumer complaint received 2020-04-10
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with Sprint/Boost cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a personal statement on my credit file that I would like removed. The identity theft report FTC Report Number XXXX and statement is no longer useful. This statement prevents me from monitor and improving my credit. because I can not get a credit report from transunion. I am requesting that this removed immediately.
Consumer complaint received 2021-11-17
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: Mercedes Benz Financial Services (TX)

The company ( insert collection company ) purchased a debt from another company and i had no involvement in the transaction. According to 15 USC 3002 i am a natural person which means my name in all caps is not me. My name is ( insert your name ). Per 15 USC 1692a ( 1 ) The term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus. There is only one bureau and that is the Consumer financial protection bureau.