davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. 

I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. 

I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. 

Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. 

Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2021 I attempted to disburse weekly allowance funds to the beneficiary from our XXXX XXXX Rep/Payee account. The attempt was declined on several occasion until I decided to call my local banking branch to inquire about our attempts being unsuccessful. 

A banking rep did a further investigation to why this error was happening and indicated the account was placed on restriction. I asked why and he said he would have to call to find out. 

Bank rep called me back the same day and stated the account has been placed on restriction and placed for closure because the beneficiary who had a personal account with Chase Bank had an outburst at a local branch in XXXX XXXX IL. 

I asked why would that negatively impact the XXXX XXXX XXXX XXXX account and he stated it was because the beneficiary name was attached to the account and any account with his name attached would be closed. 

I pleaded with the rep to reconsider or to allow me to send a letter to ask for leniency because the Beneficiary attached to the XXXX XXXX XXXX payee account we established has an array of XXXX  XXXX which would have explained the outburst that took place at the Chase Bank branch in XXXX, IL. 

XX/XX/2021 XXXX XXXX XXXX XXXX wrote a letter of inquiry about the Account Restrictions and Account Closure. I attempted to send via the security message system with the Chase Online banking platform, however that option wasn't available because of the Account restriction placed on the account. 

I emailed my Chase Bank Rep and attached the letter an asked that they send it to the appropriate department for review. 

Just waiting on the response
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ability Recovery Services, LLC (FL)

This company continues to call and harass me by calling my job, my coworkers, friends and my family. I've asked for the calls to stop but they just continue. They harass me everyday. I want the harassment to stop ASAP!
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NY)

COMPLAINT ID XXXX Source Receivables Management reviewed my complained and stated as follows : The last payment was posted against past due balances. A balance remained after this payment was made. 
I am attaching the XXXX bill which confirms my last payment on XX/XX/09, balance forward " XXXX ''. " This account was activated as post-paid and not pre-paid ''. " This account was activated as post-paid ''. Paid two months in advance after activation, proof attached.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have sent in the appropriate documentation that supports proof that an account with XXXX  was fraudulently opened. I have used all appropriate channels and submitted all required documentation including the attached police report and FTC fraud affidavit and filed a dispute with XXXX  ( Equifax ). They concluded the dispute by not removing the fraudulent account. I am in dire need of financing related to the XXXX. I am asking that this account be removed from my credit report as it does not belong there.
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I had a mortae through XXXX bank. On XX/XX/XXXX my mortgage was transferred to XXXX. I made a mortgage payment in the amount of {$1100.00} on XX/XX/XXXX with funds be removed from my checking account on XX/XX/XXXX. This payment was for my XX/XX/XXXX payment. When I went to make my XX/XX/XXXX payment with myloancare.com, they said I still owed them for XX/XX/XXXX payment. I called XXXX, which took an hour to get to a person. I was told I needed to contact XXXX bank and ask them to reimburse my payment to me so that I could pay it to XXXX. I called XXXX bank and was told that the funds had been transferred to XXXX and they could not reimburse me. I asked if XXXX could contact myloancare.com to sort this out and I was told by XXXX that I need to call XXXX and take care of it myself. On XX/XX/XXXX, I called back to XXXX, waited another hour to speak to a person. I ended up speaking with XXXX at XXXX who informed me that they could not see my previous ticket and I would need to start the process over and submit a new request. I did ask to be transferred to a supervisor. I spoke with XXXX, who told me I would need to submit a new request. When asked if there was a simpler way to contact them, I was told no, I have to go through their hour long phone tree each time. I submitted a new request with all requested information. I have now submitted requests 4 other requests to resolve this issue and apply my {$1100.00} payment to my mortgage. It is now saying my payment is past due, but it has been paid. I have gotten 2 responses from them asking me for a transmittal form which I don't know what that is and neither does my bank where I have my checking account. I have submitted 2 more requests with what XXXX XXXX XXXX XXXX and myself believe to be a transmittal form with no response from myloancare. I am so frustrated and scared. I do not have the extra money for this, I do not want to lose my house. Please help me. 

I have attached all document I have sent to myloancare to prove I made this payment to XXXX.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I qualify for mortgage assistance from XXXX XXXX housing authoritiy. They need a XXXX form to submit payments on my behalf and they sent the wrong form initially. They, Amerihome, after a month have still failed to get ne the correct form after I have made several calls and been on hold for at least an hour every time
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (AR)

XXXX XXXX XXXX called me XX/XX/2021 to inform me of a debt received for collections. I asked the representative to send communications concerning debt to me via mail so that I could verify the debt. I also told this representative not to call me about this debt and that I only wanted mail communication. Later that day I received another call from this company. I called the company on XX/XX/2021 to ask the company to stop calling and the representative said he would remove my number from their automated dialer, later that day I received another call from the company. I have received a call from this company 2-3 times a day every day since XX/XX/2021. I called the company again today XX/XX/2021 to ask the company to stop calling me again. I spoke with XXXX and XXXX XXXX about the constant calls. XXXX but they continue to call. The company still has not sent me communication via mail concerning this debt and they are still calling me 2-3 times per day.
Consumer complaint received 2022-03-22
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. (TX)

There was an incident occurred with my Chase Business account whereas an unidentified amount of {$350.00} was shown debited from the account. I inquired to a Chase personal banker and they inform me it was a wire but could not identify the source. I immediately took action and closed the account under the suspicion of fraudulent behavior and Chase credited back the funds to my business account. It was later revealed to me from XXXX XXXX that my account had gone into 30 delinquency mode. I have an outstanding record of on-time payments with XXXX XXXX XXXX Apparently, the unauthorized wire of {$350.00} that posted to their records on XXXX, 2021 ( for my XX/XX/2021 car payment ) was reversed. XXXX reported to the credit bureaus ( XXXX, XXXX and XXXX ) as delinquent. I spoke with supervisor XXXX XXXX at XXXX XXXX explaining the situation requesting that this delinquency be removed and that I have a letter from Chase explaining my creditworthiness and the situation. They referred me to email their resolution team ( XXXX ). I also disputed with credit bureau and they are saying XXXX is not cooperating to remove the delinquency.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (IL)

Every month for the past 6 months I have tried to change the due date on my loan payment from the XXXX until the XXXX of the month. I have called on the phone and PNC has told me it's done twice. This will be reflected in the system notes. I was then told to write a written request and sign it. I have done that twice. I have sent them messages on the mobile phone application. I'm told we'll message you back to you in 15 minutes. I've been told to call back later. I told them to call me. Then a woman named XXXX calls me from XXXX XXXX and say she would like to help me, but I call her back and she's not available. It's been six months. They could have responded by mail to my written requests that were put in the night drop with my contact information.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (NY)

XXXX told me to let my mortgage get 2 months behind to get a modification instead of refinancing to remove my exhusbands name. Up to that point my mortgage was on time every month with additional payments. XXXX gave me the modification I made 2 payments on time in XXXX the 3rd payment they cashed but did not apply until XX/XX/XXXX so the modification became void. Servicers changed to XXXX XXXX XXXX then XXXX  each time I applied for the modifications I was approved, ( making the payments was never an issue ) But the modifications were numerous documents sent some lost reapplying for every servicer more lost payments. I requested a breakdown of my account since payments were never applied to the principal all I received was a print out of dates and amounts when I questioned where the Journal entries debiting the credits for payments were applied I was told that they did not have those records The balance was what I owed. I requested this from every servicer. The last modification was approved in XXXX of XXXX 3 days before XXXX XXXX had their attorney file the foreclosure judgement. I have been trying for 10yrs to just have my mortgage principal be the correct amount and make the payments on what I owe. Instead of letting me do that the banks and servicers seem intent on evicting me a single mother out of her home. My mortgage was {$120000.00} with out the missing money applied the value of it is {$460000.00}. I believe it is because they want the extra money because I am a single mother and because of my ethnicity. Or why would XXXX consistently tell me they were considering a modification even after the Judgement only to deny it because it was to much in arrears or because XXXX was to close to the XXXX sale date. This is the discrimination that is consistent with Banks and unjust.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

For months I have not been able to access this account. I can't log in and I have called, and even when I call and try to handle this account, I get no where. I don't and haven't even gotten a statement for over 6 months. I have been dealing with an identity theft issue. I think someone is using my info and slowly changing profile information until long information isn't valid. I want to dispute the charges on this account, I don't think that they are all mine. And to make this issue worse, I have been collecting fees, increase interest, and negative remarks on my credit during a pandemic. I thought that companies couldn't report negatively during this time? I'm going thru a hardship where even relief benefits are not helping, probably due to my identity being stolen. I have tried to communicate by phone and I'm sure I have emailed them. 
I'm also having a difficult time with an email hack. I think my calls and emails have been redirected, I notified the provider and ftc. But I'm only one person during a crisis, and I need help, and a way to fix this. New email, new user name no good.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-24
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: Debt Recovery Solutions, LLC (CA)

XXXX XXXX Solutions was added to my credit report in the past. It was taken off because I wrote to them and asked for any legal contract with my signature on it from their company and they could not provide. I have never did business with their company so by law they have no business putting anything on my report. All of these agencies who are buying contracts from other businesses are not allowed to put any negative reports on anybody account, I don't know why you guys keep allowing it. If they can not provide you with my signature on a debt recovery solutions contract, please take off again for the second time. I appreciate all of your help, thank you.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (HI)

On XX/XX/XXXX, I called Chase Bank to open a savings account. Their representative XXXX XXXX XXXX spoke with a manager and granted my special request as I have an existing checking account, but am no longer living in a state with a branch so I am unable to open this account in-branch, nor online, as there is a location restriction that also blocks online applications when there is no branch in your state. Chase told me all I needed to do was sign a signature card and return it along with copies of identification and opening deposit. I did just that on XX/XX/XXXX. However, on XX/XX/XXXX, everything was returned to me without explanation. I called Chase and was told to send everything back along with a billing statement proving my current address matches what Chase has on file. I did just that that very same day. On XX/XX/XXXX, I called Chase to follow up. They are returning everything to me, yet again, this time citing my savings account can not be opened because I need to open it in-branch or online. Chase Bank has been giving me the runaround. None of their representatives are on the same page and XXXX does not return any of my emails. One agent tells me my request has been approved and then another tells me the exact opposite. Chase is showing very poor customer service and providing me with false promises. I do NOT know who to trust. This has been an absolute nightmare.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (NY)

I am not liable with a debt with XXXX XXXX XXXX billing. I do not have any contract with Designed Receivable. This is an invasion of my privacy and defamation of my character.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 2021-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX @ XXXX XXXX  I was contact by Portfolio Recovery about at debt at my work phone number. I immediately asked the representative to remove this number and not call me at my job again, as I am a XXXX. In review of my work caller ID, I was contacted again on my work phone on dates : XX/XX/21 @ XXXX XXXX  XX/XX/21 @ XXXX XXXX  On XX/XX/21 @ XXXX XXXX  I received a call from a " wireless number '' instead of it stating " Portfolio Recovery. '' I informed the rep again, that they should not be contacting me at work, and they can contact me by my cell phone or by mail. I informed the rep, that I had already told someone this on the previous Thursday. 

On XX/XX/21 @ XXXX I again had another missed call on my work phone from " Portfolio Recovery. '' Since the first time I informed this company I am not allowed calls at work, they have continued to contact me ( at least 4x. ) They will also change the phone number they are calling from to get someone to answer the phone.
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: Experian Information Solutions Inc. (IA)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.