davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northern Trust Company, The (FL)

I filed a complaint previously that was closed, this information is new and another complaint needs to be opened to handle this, it collaborates my issues with Northern Trust. The original complaint # XXXX, had 2 issues, one was the loan refi, which is what I am creating this new complaint. The other was posting issues and inconsistencies that have gone unanswered for years, for which the Company answered ... without any explanation that " We believe we have addressed his concerns ''.

As to the refi, the nature of this extended complaint surrounds Northern Trust sent me a package for me to fill out to see if I would qualify and refinance the second mortgage. I took the package to my accountant, which has been preparing my tax returns for XXXX, XXXX, XXXX, and XXXX for a year or so. I have not previously given my taxes to the accountant because of the initial analysis of how much taxes I would have to pay because of 1099 's. When meeting with the accountant he told me that one of those 1099 was from Northern Trust, for the first time I was explained it was that the bank wrote off the loan in question in XXXX, that they also sent a notification to IRS a 1099-C Cancellation of Debt for the loan in question XXXX for XXXX and they had sent me Tax statement form 1099 for XXXX. This is a perfect example of the bank does things that can be considered Illegal or at least extreme incompetence. How can they be collecting from me for 4 years, after the loan was closed.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding LLC # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.
Consumer complaint received 2023-05-01
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. (LA)

In accordance with the fair credit Reporting act XXXX  CHILD SUPPORT, 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 furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

have not given you written permission to put anything on my consumer report.

15 USC 51681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

28 You have no permissible purpose by law to contact third parties with my personal information
Consumer complaint received 2020-01-07
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: JPMORGAN CHASE & CO. (AL)

Chase is reporting a fraudulent credit card that I never applied for under and address that I have never lived at. 

The listed address is an address for a business in which my credit report incorrectly also claims that I was employed by. Obviously, this isn't even a residential address so I could not live there so I don't even know why a card was given anyway. 

Furthermore, why would someone grant a card to someone in which their residential address is plainly the same as the company they were employed by? 


This account is not mine and this address is not mine
Consumer complaint received 2022-02-22
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. (CT)

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, Experian and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report 3 years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2020-01-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (VA)

I am in receipt of this correspondence from Ditech paralegal alleging that I still owe a balance .Number one its clear this paralegal is inept and does investigates matter thoroughly because my original complaint stated that although I closed on XXXX, I vacated the premises XXXX. I could have opted to not pay the XXXX mortgage and include it in closing, but I remained compliant in my routine of paying my bills in a timely manner. My lawyer will confirm that the payment to Ditech was received much sooner than they are alleging, and they have a signature confirmation to support that. However, Ditech refused to speak to my attorneys office when they called to confirm this information stating they are not authorized parties. Despite them being one of the attorneys who handled the closing. Additionally, when the firm attempted to conference call me in to authorize consent for Ditech to speak with them, Ditech refused and disconnected the call. Here you are Ditech. I XXXX XXXX give you permission to speak to the law office of XXXX XXXX at XXXX XXXX XXXX, XXXX, Virginia XXXX. His phone number is XXXX and his fax is XXXX. Lets compare confirmations to see whats really the truth. So, let me make sure I understand this correctly, on XXXX Ditech notifies XXXX  XXXX and tells them that the loan I have is paid in full. I have that call on a saved recording, the party at XXXX XXXX confirmed that they would be sending me confirmation of payoff in 30- 45 days from XXXX. However, Ditech references the same date indicating their records show I am in a shortage and to remit the payment to them when the loan was transferred to XXXX XXXX. Now this correspondence state to remit the fictitious balance to XXXX XXXX who has already stated that there is no balance. So, because Im very familiar with the stall tactics that Ditech does and how basically the CFPB does nothing I have enlisted the help of every Senator, Governor, congressman, delegate, and news paper publishing from Florida to Virginia. I am not playing these games anymore with either Ditech or CFPB anymore. I am in the process of requesting my credit report, if AT ALL there is any type of issue with my credit as it relates to the fraudulent handling of my account with Ditech I PROMISE YOU I will take this company down and ruin every opportunity for any investor or share holder to hold faith in them. TRY ME!!! When they were green tree and doing fraudulent activity, they were fined and ordered to pay restitution and NOT ONCE paid one borrower that because they have been able to dodge paying their debts by filing bankruptcy repeatedly. Since XX/XX/XXXX, their practice has been reported by a multitude of consumers and yet they continue to fraudulent deceive consumers. Im not done with this mater at all
Consumer complaint received 2024-03-13
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)

Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist.

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer FCRA
Consumer complaint received 2023-01-17
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. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2020 at around XXXX XXXX  my boyfriend walked into the Chase bank on XXXX XXXX XXXX XXXX NY XXXX to make a deposit of {$1900.00}. After being prompted to put the cash in the ATM machine the ATM machine accepted the money the screen had a circle like it was loading then it just went blank. After a while it restarted and started installing a update, After the update it released my debit card from the slot and it said this ATM can no longer be used and then it restarted again back to the main screen like it was good again. It never printed a receipt nor did it acknowledge the deposit. He immediately calls the number on the ATM Machine and talks to support which take all the information and let him know that within 12 hrs they would credit the account with the amount of the deposit until they do an investigation. While this is happening he texts me whats going on so I walk to the bank. I am the account holder XXXX XXXX. When I get there I also call from my phone to support to explain to them that I can not wait 12 hrs for my deposit to appear in my account. The reason we were depositing that money was to make a payment for our car that had gotten repossessed and they had given us till XXXX XXXX   that night to make the full payment or the car was to be sold at an auction. The lady from support assured me that within 12 hrs I would get credited the money or even sooner. It is now XX/XX/2020 XXXX XXXX  and Im yet to get any credit on my account. After several calls to Chase support now theyre saying that I have to wait 10 business days for any credit to be put in my account and that there is nothing they can do! I dont know what to do this is beyond unfair and theyre being really insensitive about my situation. On XX/XX/2020 my house was burned down and me and my family were left with nothing! And now I have to deal with Chase taking my money! Im sure they have some kind of protocol they go through with these kinds of situations but theyre treating me like Im guilty of some kind of crime! There was {$1900.00} deposited into that ATM the last of our hard earned money and they are holding my money hostage!
Consumer complaint received 2020-01-14
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)

The following account is fraudulent and must be blocked from my report ; XXXX XXXX XXXX, This was blocked by Experian when reported but they added it back recently with no reason. 

attached is the Theft report from the FTC that was reported in XXXX.
Consumer complaint received 2022-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
Experian when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested Experian to remove due to incorrect/missing data and the age of line past XXXX. Experian instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I reaffirmed my mortgage with Santander Bank, N.A. when I  filed for chapter XXXX Bamkruptcy in New York State in XX/XX/XXXX. I have proof the company received notification of this reaffirmation. Since early XXXX, Santander has insisted this mortgage was included in the bankruptcy filing and reports this as closed on XX/XX/XXXX. Santander did not close the mortgage account but briefly transferred it to XXXX XXXX  XXXX then back to Santander with a different mortgage number!! None of this has been noted on my credit report. In fact NONE of my continued ON TIME and UP TO DATE payments have been included in my credit report. Other than the false statements about including my mortgage as part of my bankruptcy filing and the mortgage being closed on XX/XX/XXXX, there has been NO MORTGAGE INFORMATION listed on my credit report for almost two years!!!!! PLEASE HELP!! 
I have made numerous calls and have written to Santander to no avail. I have filed disputes with XXXX XXXX, XXXX and XXXX. Apparently none of them require any documentation from the bank and only report what the bank tells them. NOT GOOD!,
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (LA)

This company began calling me on XX/XX/2019. At first they left me a couple of messages and since then all they have done is call me repeatedly. The phone calls start as early as XXXX XXXX, no matter the day of the week and as late as XXXX. They have called me sometimes 7 times in one day and I am now getting texts and even XXXX messages from people that I don't even associate with, asking me if I have put their names down as a reference or something because they are also receiving multiple phone calls from this company. One person I haven't had any actual contact with in almost 15 years! This week they have started calling me at my workplace and they call there multiple times a day as well. They have even asked the receptionist personal questions about me. My phone company has tagged them as a " spam risk '' so I don't even know if they are legitimate. I feel as though I need to block the number but that will not stop them from calling my workplace and other people they feel I am in touch with.
Consumer complaint received 2022-11-12
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. (NC)

In accordance with the Fair Credit Reporting act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I have made 2 payments to Goldman Sachs XXXX on XX/XX/XXXX for {$1200.00} XXXX on XX/XX/XXXX for {$1500.00} Credit limit is {$2700.00} And {$0.00} available for any charge up to this very date Ive called twice Their explanation was XXXX waited 5 days to reject a payment of {$1500.00} on XXXX? Or XX/XX/XXXX. Unsure The default auto-payment feature is defective In order to auto pay a minimum or specified amount under this feature you must manually tweak to preferred or specified amount Before end of month Im trying to see how to correct but this complaint is based on the electronic payment Goldman Sachs accepts to claim they are awaiting clearance from payment bank and the funds have cleared the day of or day after payment This appears as a fraudulent practice and fiduciary irresponsibility and incompetence. 

GS is using money already paid to my Credit card account while CLAIMING theyre awaiting payment.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

In the XXXX I opened an account with a bank in XXXX AZ. Due to various mergers etc. this account is now with Chase- JPMorgan Chase . As I have not used the account for several years and I no longer have any family in the States it is rather pointless keeping it open. I have written in the last three months two letters to the bank asking them to close the account. No reaction either by email or by post to those letters. On XX/XX/XXXX I rang their customer service. I spoke to someone who confirmed the account balance and said that she could arrange account closure. The problem arose because I could not supply a US SSN, which was not needed when I opened the account. I do not have an American SSN number as I am not a US citizen and I have never worked in the States. After speaking g with her supervisor she said that she would pass the call to a teller. The call transfer did not go through as I got a recorded message saying that the teller was busy and asked me to call later. I have no idea as to how to get the teller 's number, hence my contact with you. I can not believe that I am the only person trying to close an account who does not have an SSN number.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX/XXXX XXXX transferred the loan to XXXX when I paid XXXX off in 2017. XXXX is reporting the loan on Experian as an unpaid chargeoff with a balance of {$19000.00} which is incorrect.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have hard inquiries on my credit report from all 3 bureaus that are fraudulent and I have contacted them directly to have them removed but I was told to file this report. Please see the items below.. XXXX Hard Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 
Experian Hard Inquiries - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (TX)

I am a victim of identity theft and cXXXX XXXX XXXX XXXX as well as IXXXX XXXX has fraudulent information on my credit profile.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (TX)

I have disputed XXXX inquiries that are not mines as well as some accounts that are not mines and now I can't see my credit report on XXXX XXXX nor will equifax send me any information. They sent enclosed letter stating i needed to prove who I am for the 15th time in the past two years.

This is why I know they are not investigating or removing information that is not mines. They cant even keep up with who I am. 

I have attached my ID and SSN card.