davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CA)

My loan stated that if I did community service I could have for forgiveness. I not only did charity work throughout my career working at XXXX XXXX XXXX XXXX XXXX but I took a year off work as a XXXX XXXX for my husband a United States XXXX veteran instead they XXXX my child on XX/XX/XXXX and locked me out on the streets for over two years with no way out not even access to my XXXX  daughter. I get an email back saying its a private loan theyre cutting closing my case I am asking for for forgiveness for my loan I am also asking that if my husband abandoned me on the streets a month after I cosign his student loan that he take back his student loan and shove it up his XXXX
Consumer complaint received 2021-08-31
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. (NY)

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX ; Account # XXXX XXXX  XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Consumer complaint received 2021-08-31
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. (FL)

XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX XXXX  XX/XX/21 Have contacted transunion and creditors on multiple occasions to remove these from my report as they were not authorized. Creditors will not supply any proof to validate inquiry or delete. Transunion refuses to delete.
Consumer complaint received 2019-11-19
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. (AK)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-08-31
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX  MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NC)

We have 2 mortgages on our home. The 2nd mortgage was discharged in a bankruptcy and according to the company it has been written off. We had damages to our property which was covered under our XXXX  XXXX XXXX XXXX They wrote the checks to our first, second mortgage company and to us. We forwarded the checks to Shellpointe Mortgage Servicing and without our knowledge or signature they deposited the checks. We are now left with no funds to repair our damages and the first mortgage company is saying we must repair the damage in 60 days. When we contact Shellpoint  they always say we can't find your account etc until you get the right person. Basically they have fraudulently taken the funds.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (NY)

A dispute towards an account on your credit report should be properly investigated instead of relying on machines as the investigator when it comes to disputes. There is an account from XXXX XXXX whom is reporting incorrectly on my report. I never recieved any services from this company that would lead to any dollar amount. My suspicion maybe is that I am mix up with my father who has a similar name and has used my social security number in the past for fraudulent activities. Whatever the case maybe, I never signed a contract or ever heard of this company. The company states the original balance is {$3700.00} then a past due of an amount is {$4900.00}. This incorrect information violates my rights for accurate reporting and II am getting bullied into a debt to be paid that is not even mines for a dollar amount of {$3700.00} or {$4900.00}.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-04-03
Product: Credit 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. (MD)

We made an airline reservation on XX/XX/XXXX, on XXXX XXXX for XXXX business class tickets to travel to Nepal and back to U.S on XX/XX/XXXX and returning back on XX/XX/XXXX. The total price of the ticket was approximately XXXX. By mistake we put a hold on the charge on XX/XX/XXXX. Almost immediately we realized our mistake and called the credit card company and asked them to lift the hold, which they did. We paid our credit card statement for the whole amount from the XX/XX/XXXX statement. 
However, XXXX XXXX never released our tickets, claiming that they had not received the payment from Chase. On XX/XX/XXXX we called Chase to dispute the charge and we purchased new tickets to travel. 
We have continued to speak to both vendors multiple times with no resolution. XXXX says they did not receive the money and Chase says we have sent them the money. 
We asked Chase for the name of the merchant bank they are dealing with, so we can pursue the claim but they have refused to do that. 
We are attaching all the documents that we have sent both to XXXX XXXX and Chase credit card company.
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I was called by a Chase Banking rep saying that someone was trying to wire all my funds out of my bank. Well it happened. I put in a claim with Chase Bank case number : XXXX and the funds went fraudulently out to a XXXX XXXX Banking account in Florida. So far nothing and Chase is saying XXXX XXXX Bank is not responding. This was my savings and all the funds I had. {$6000.00} gone! Chase refuses to update me on the claim or to refund me or do much else. The wires on our accounts are so loosely done with no security protocols in place. When I was with XXXX XXXX  XXXX I couldn't wire funds so easily and I had to call in to verify this wasn't fraud. I want my money back and I want Chase to take some accountability.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (TN)

I have repeatedly disputed three incorrect items being reported on my Equifax credit report. I started disputing these items in XX/XX/2019 and Equifax has repeatedly stated the investigation in process but I would never receive any results of the investigation nor have I ever received any correspondence stating if and how these items were verified. Ive sent multiple certified letters for over a year and a half with no response and these items remain on my credit report. Ive had no problems removing these items from XXXX  and XXXX. Equifax has failed to produce verification and validation of these accounts for over a year or so. Ive sent multiple letters asking for verification of these debts such as proof from the creditors and they fail to send me any correspondence offering this.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Hello I had an Auto loan with Credit Acceptance Corp. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX payments made on time are not reflected on my XXXX XXXX Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on XXXX
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In early XXXX I received an email from Bank of America advising me that my monthly statement was available. When I printed out the statement, it was clear that one of the checks BoA had cashed was not mine. I immediately called BoA and was told that clearly fraud had been committed and that my checking account should immediately be shut down. I complied and the next day went to my local branch office and opened a new account. I asked about the check in the amount of {$26.00} that the bank had erroneously cashed and was told that the fraud would be investigated and I would be made whole for the check. After several calls, visits to local branch offices and providing the information requested by the bank, I was reimbursed {$26.00} on XX/XX/2021. Inexplicably, on XX/XX/2021 the bank reversed the reimbursement. When I called the Banks fraud department to determine why, I was told that my claim had been denied because the check was cashed. This is preposterous, because it wasnt me that cashed the check, it was the BoA. It seems like Im being penalized for the Banks error.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MD)

I have made several attempts including filing an FTC and Police Report for this fraudulent account. Also i have sent several dispute letters stating the Federal Laws i am protected by as a consumer which Early Warning Services had disregarded on multiple occasions. Early warning continues to report this inaccurate information without any means of verification or permissible purpose which under federal law this account must be deleted. Early warning services has violated my rights as a consumer and defamation of my character also disrupting my worthiness as a consumer.
Consumer complaint received 2021-08-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.
Consumer complaint received 2023-04-25
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. (NY)

My name is 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. Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$11000.00} ; LXXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Applied Data Finance, LLC (IL)

On XX/XX/2016 I was approved for a loan for XXXX by personify financial..After numerous medical difficulties I have paid off the principal balance on this loan and have paid close to 7000 dollars in total payments on this loan..But all is left Is the XXXX in late fees on the loan
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (GA)

I continue to have issues with Alliant Credit Union that are unique to other creditors. I have an auto loan with them that is on auto deduction each month out of my checking account. My payments have been made on time each month because they are auto deducted. Recently I began receiving emails and call from them saying my payment was past due. I checked my only bank records and the payment has been paid on time each month. When I called Alliant they told me I'm {$110.00} past due because they added auto insurance to my payment which raised my payment higher than the {$300.00} per month so the payment I made was shown as short and not applied correctly. I have auto insurance and have had with XXXX for many years. The policy has never had a gap. Alliant never made me aware of the need for me to provide my updated policy. They added insurance ( even though I have always had coverage ) without my permission and added unauthorized charges to my account. They ask me to call a number and provide proof of insurance when I called them today so I called and gave them proof of coverage with no gaps. I called XXXX today and confirmed that I have had coverage with NO GAPS for several years. I'm attaching proof of coverage
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I went inside branch to open up a business account I deposited a very large amount check that I was given by the irs from a XXXX I filed XXXX years ago. My check cleared and funds was released but a manager in the branch flagged my account for no reason and when I went there he had no explanation he asked for tax forms to prove where and why I received that amount of money which was none of his business but I brought the proof to him and he closed my account with no explanation and told me they will send my money / check to irs I waited a month and contacted the irs and they said they havent revived anything so basically this company has stolen my money
Consumer complaint received 2023-07-21
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)

XXXX- XXXX XXXX inquiry ( XXXX XXXX XXXX XXXX- XXXX  ( XXXX XXXX  ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX- XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX  XXXX ( Equifax ) Blank XXXX- XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX ,  XXXX ) Please take this off my report its over 7 years old XX/XX/XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX Equifax ) these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

I was working with Penny Mac to refinance my current mortgage that currently sits with Penny Mac on XX/XX/2020. I called Penny Mac on XX/XX/XXXX or XXXX to see where I was in the process and they said they were still underwritting the loan before I could close. I told them I was going out of town on XX/XX/XXXX. They said we likely wouldn't be able to close before then. I asked if it would be okay to close when I get back on XX/XX/XXXX and they said that would be no problem. I asked if the lock on the mortgage rate would expire and they said that wouldn't be an issue. I got a voicemail on the XXXX while I was traveling saying that the rate was going to expire and we needed to schedule closing. I was traveling so I wasn't able to call them back till I was back on the XXXX. Since then, I've left them voicemails and emailed them and haven't heard back at all.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are inaccurate. 
MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also see that on my report there are several incorrect spellings on my name and i'd like to remove any variations that do not read as XXXX XXXX XXXX.