davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Mortgage balance discrepancy with Chase prior to loan being transferred. Requesting copies of monthly statement or detailed payment history from XXXX thru XXXX. Payment history to include : -beginning monthly balance -escrow balance -payment & interest -escrow balance YTD paid -interest paid -taxes paid -principal paid -insurance paid -PMI/MIP paid
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2019 I completed an application through TransUnion Smartmove. This was a completed the SmartMove screening request for a property that I planned to rent. I submitted my Social Security Number as well as current address, previous address, phone number, income, email address, and personal information.I also paid a {$40.00} application fee. Once the application was submitted, I received a confirmation email that " No action is necessary on your part - you will be notified by the landlord/agent with a final lease decision. '' The landlord contacted me and told me they received a report of a criminal record, and asked for an explanation. I have never been arrested or been to jail and have no criminal record. I called Transunion customer service to inquire about the inaccurate information that was reported. The customer service rep. told me there was nothing they could do because it matched my name. The criminal report did not even provide the date of birth or social security number of the criminal. So they did not actually match this to me, they said 'it could be me '' So they are reporting someone else criminal record because they have the same name but they have not made any other critical connection, like social security or date of birth, they excluded that information from the report.
Consumer complaint received 2023-01-31
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-04
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. (KS)

XXXX not at all familiar with this account on my Equifax credit report, possibly someone with a similar last name is linked to this. This is only reported on the Equifax credit report, I did not see it on the other credit reports.
Consumer complaint received 2019-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit score was checked by TransUnion and I am not sure why because they are a credit company! It made my credit score XXXX  down and I have no clue as to why it would be checked by then. As far as I know it is an error along with the others included in the picture. XXXX XXXX was contacted by someone that was fraudulent in collecting my info to take out a school loan. I have since put these companies on notice, reported to every I could, called the police and now this feels like a last resort, why is this error happening!!?! 

Trans unionXXXX XX/XX/2019 Hard inquiry never approved or permitted by me! 


XXXX XXXX XXXX /XX/XX/2019 hard inquiry is FRAUD!! Not submitted by me. I have called local officials and put my credit on alert!
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year>, XXXX XXXX  : XXXX PAY TO THE ORDER OF BANK OF AMERICA in the amount {$81000.00}. Account number XXXX. And I further obtain A certified letter from the XXXX XXXX verifying that there is no lien on my property and/or my estate name, ref # XXXX. XXXX Bank of America, XXXX, XXXX, XXXX are making false and misleading reporting and they stole my identity sharing it with third party agencies without my consent. 
XXXX XXXX XXXX making false and misleading reporting on my credit report under account number XXXX. I have proof there is no lien under my estate name. 
here is a fax confirmation Registered Mail number XXXX XXXX XXXX XXXX XXXX for private Bank irrevocable letter of credit in the amount of {$81000.00}. Payable to Bank of America on XX/XX/year> 2024
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has continually allowed me to overdraft my checking account without any consideration to the fact that there may be a problem on my end that's causing me to consistently overdraft my account and charge NFS fees. Over the past several years I have been changed from what I can see so far 56 NFS fees for over-drafting my account. Now that is just from what I've been able to research and go back on my account, I have copies should you like to see them, in any event, it's excessive and Bank of America should've realized that this was an ongoing problem and restricted my account, and not allowing me to overdraft. But Bank of America continued to take advantage of the fact that I was weak and had a gambling problem and therefore kept driving my account into the negative and therefore continue charging me NFS fees. 

Now if this was just a few NFS fees here and there I can understand Bank of America charging me the {$35.00} for the NFS fees but from what I've counted so far it's close to 100 NFS fees in just the last two years if not more. It is the bank 's responsibility to recognize one account is being abused in place restrictions on that count to keep that customer from continually over drafting accounts for purposes that are not considered an emergency were finances are needed. 

I have called Bank of America multiple timeXXXX asking them to reverse the NFS fees but they continue to tell me that at this time there's nothing that they can do about reversing the fees.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

i have XXXX collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted.
Consumer complaint received 2019-12-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (VA)

I sent an ACH Revocation to AF247 on XXXX via email ( XXXX ) and via fax, in which I revoked my authorization allowing this company to make debits to and from my bank account. I sent this revocation letter to my bank as well. The reason for the letter is that I currently can not afford to make their interest payments, which is 90 % of my paycheck. I had asked AF247 to freeze or suspend my account so that no further interest would be charged, and I make payments to my principal. They refused, and stated that I could make smaller payments every two weeks, but could not tell me if the payments would be for principal or for interest. On XX/XX/2019, I discovered they processed an ACH payment, which put my account in the negative. They did NOT have authorization to debit my account. I also found out today that another transaction was initiated by AF247, but the bank returned the payment, which lead to another bank charge. Neither the XXXX or the XXXX transaction was authorized. I spent nearly 45 minutes on the phone with AF 247 on XXXX, only to be told that they had to research and would call back that day. They still have not called back. 

I am concerned about their blatant refusal to honor my ACH revocation, and I am also concerned as to why they could not tell me if the bi-weekly payments would be applied to the principal amount or interest. The interest is at a mind-boggling 360 %, and I am not sure if this is ok. I'd like them to be investigated if possible.
Consumer complaint received 2019-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

RE : Experian Credit reporting. I have been unsuccessfully trying to get a XX/XX/2010 Bankruptcy filling of of of their report. XXXX XXXX and XXXX have removed it. It can be removed in 7-10 years and it is the " only '' negative I have on any report. I have tried on XXXX XXXX and on XXXX XXXX. My credit would be excellent if it was removed and I should not have to wait 10 years. I have spent hours by phone with 5 different numbers. You go to a automated system and then recording comes on saying they can not help you.The ease of doing business with this company is horrendous. They will not answer the phone.When I finally did speak with some one in XXXX after over 1 hour of sitting on hold they said to bad I would have to wait the 10 years. They subsequently resubmitted the XXXX claim which produced the same unsatisfactory result. I would like the negative filling removed from my report.
Consumer complaint received 2023-05-24
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00}
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NJ)

I randomly came across this on my report and reached out to have them verify the debt I explained I have never done any business or taken any card out with them. The company is yet to verify this information for the last XXXX of years.
Consumer complaint received 2019-12-09
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called and emailed several letters describing why and how the information that companies are reporting is inaccurate but the agency isnt requesting these companies to provide details information for them to verify
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting income on my consumer report
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to XXXX so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Consumer complaint received 2022-04-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is XXXXXXXX balance account # XXXX 90 days late in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I had an existing vehicle loan with schools first federal credit union when I purchased extended warranty from them for this vehicle. On XXXX XXXX I purchased the extended warranty platinum plan for XXXX miles for approx {$1200.00} which was added to the existing auto loan. In XX/XX/2023 the vehicle broke down. Upon reaching out regarding warranty an info email was sent to me. This email reflected incorrect start and expire mileage for the vehicle warranty. It was alarming because it appeared the warranty had expired based on mileage. I followed up and the company indicated that was the mileage reported by the bank at initiation of the contract. I would need to have the bank make the correction on their end. 
It seemed an easy fix. The bank confirmed correct mileage using car fax info and submitted the request only to discover i would have not been eligible to even purchase this plan because at the time the car mileage was above the cut off for the platinum plan. This is resulting in a {$500.00} increase to backdate and adjust to the gold plan which the warranty company agreed to. 
The gold plan is only covering about half the cost of repair -which I anticipated based on my purchase of the platinum plan that i would only be responsible for the deductible. With the comfort of my full warranty for XXXX miles i made the choice to keep this vehicle rather than trade it at which time the value of my car was very high. Now the value is lower and XXXX left with high rental car cost and {$2000.00} out-of-pocket repair. I feel the bank is responsible for this cost since I was unable to make informed decisions at XXXX XXXX of warranty purchase and subsequently since with regard to keeping the vehicle or not based on their error. The bank has denied request for reimbursement of out of pocket cost less the deductible. 
Thank you
Consumer complaint received 2023-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The response I just read from your site states they are the wrong company. My mortgage was with XXXX and I need to be provided the correct website, then, to pay principal payments. 

I received a notice in the mail with no way to pay by check through the mail and they have deleted my online account with XXXX without legally informing me of a change of ownership in my mortgage loan. 

My actions are legal and are not going to change, period. This game of hiding the ball for who owns the loan is not mine to play and I will not. Stop defrauding my and wanting my home. You're not going to get it, period. It's mine and is going to stay mine.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (FL)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : 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 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (OK)

Im around 2012 I purchased a XXXX XXXX XXXX. I was placed with santander in a sub prime loan that was very heavy interest front loaded. I fell behind on payments and was behind for a long time. XXXX came and I was out of work and then santander charged off the account as a loss. I still have a balance even after I have paid thousands more than the car was even worth. Of course Ive seen so many lawsuits over the subprime loans but our XXXX  XXXX  didnt opt in to the big lawsuit. What I want is a clear title to be given and the entire amount forgiven. santander has had predatory practices for years and quite frankly it needs to stop. They took advantage of me and likely millions of other Americans. It should not be allowed. The car no longer runs and it just sits in my garage it will no longer even start. I paid thousands over what the vehicle was ever even worth.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXXXXXX since XX/XX/XXXX.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

We have JPMorgan Chase Business Banking. We got a XXXX XXXX for {$4500.00} out of our account and we are not even Enrolled into XXXX, so we could not have authorized the transaction. We have disputed with with the bank and they have denied our repeated requests that this is fraud. We need your help, we have never even used XXXX for any transactions ever. Thank you, XXXX
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Like I have provided I have been in prison I am currently receiving disibility check from the veteran department since this loan is now at the seven year mark and theres no way I can realistic pay it with what I make would this company consider a 1099c or if your company coild please remove it from my credit report I was not notified of the account going into forcloser and I have no way to pay it and it is now in the seven year period allowed bi federal law to report.