davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have received updates from XXXX and my credit score shows on XXXX XXXX, same day received update from Chase Bank that my score on XXXX  is XXXX which is obliviously incorrect since they claim is from the same source. 
Chase Bank is modifying credit score to put customer in disadvantage when applying for credit or mortgage. I did re-finance my mortgage last year with chase and they used much lower score for my application then what was on all 3 credit bureau. 
Also they pulled my credit report twice and now that has big impact on my credit ability. I have contacted them to remove second inquiry and they wouldn't do it This practice will cost mu thousands of dollars for the time remaining on my mortgage, someone needs to investigate this practice, Im not expert but believe this is against law and violates consumer rights
Consumer complaint received 2020-08-16
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: DISCOVER BANK (GA)

Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them. 

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

I have a signed and executed Forbearance Agreement with Dovenmuehle Mortgage stating we have to pay {$0.00} XXXX, XXXX and XXXX XXXX  payment due to COVID-19. I then paid on time my XXXX and XXXX XXXX  payments. BUT the Mortgage company, IN ERROR, reported me 90 DAYS LATE to all three Credit Reporting Agencies. Upon contacting my mortgage company, which took 6 different people and almost 7 hours of phone calls ... I finally reached XXXX XXXX, a Manger and he admitted that they in error didn't not report the the credit bureaus the proper information for many of their customers in Forbearance. He gave us a verbal and it was on their recorded line and he advise me that another department would mail us a letter in 5-7 business day stating such. Problem it that due to their error, my score dropped from the mid to high 700s to the low to mid 600s!!! This caused me NOT to obtain a Mortgage Pre-Qualification letter and I lost the home that I put an offer on! I need help ASAP as I CAN NOT wait 30 days for my score to rebound and the Mortgage company is not willing to do anything to help! ( supporting docs attached. )
Consumer complaint received 2022-11-02
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. (MO)

I've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. E-OSCAR or any other kind of automated verification is not acceptable to me.
Consumer complaint received 2022-11-02
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. The entire amount is holding monies for the entirety of the debt to be paid off. Also, I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Commonwealth of VA ; VA Dept Social SVS DCSE Account Number : XXXX
Consumer complaint received 2020-08-16
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)

I previously sent toXXXX and Experian documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NV)

My american express card was block due to for whatever reason, and when i tried to get help online from the chat box, they told me to called the account protection team because they are open 24/7, which is another lie! all i got was a voicemail. so the whole entire night i couldn't used my card! and i never gotten any notification about my card being blocked! and when i called in the next day. i was being put on hold for an hour. and when i finally gotten the chance to speak to a rep, i was put on hold for an another hour. This company is losing itself. i don't have time to do this hold thing!! as of now my card is still being blocked!!
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting my XXXX XXXX as having a balance of {$6400.00}, last payment XX/XX/2022 and payment status as acollection account, despite the statement I provided them from thd creditor that cintradicts what they are reporting and claims to have verfied as accurate and true. My last payment on this account was in fact made XX/XX/2022, the payment status is both current and paying as agreed with a balance of {$2800.00}
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-08-16
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. (MO)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.
Consumer complaint received 2020-08-04
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: STERLING JEWELERS, INC. (NY)

My identity has been stolen someone used my credit to open an account with Sterling jewelers in New Jersey ... .I have not left the state since the pandemic so its impossible for this to be me
Consumer complaint received 2020-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

XX/XX/2019 XXXX year old was diagnosed with XXXX, he stayed in the hospital x 2 months. I notified penny Mac of hardship no options were offered denied need for forbearance. I eventually picked up second job to catch up. In XX/XX/2019 my son fell really XXXX from XXXX and stayed in the hospital until XX/XX/XXXX. My son was seriously XXXX near   XXXX unable to go to work during this time had approved leave of absence without pay mostly, explained to penny Mac they didnt care or offer any assistance until Covid-19. I have written them and asked if they could delete the late payments since account is in good standing and provided medical documentation from my sons XXXX and hospital stay during the months the payments were late, I received no response. Can you please assist? Im asking for forgiveness if the late payments can be deleted due to my previous hardships?
Consumer complaint received 2020-08-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

ok back in XXXX i had several loans out then i finally got them all consolidated with fed loan i have talked with fed loan reps and they see the problem and tried to help me but since i had so many seperate loans for being consolidated it was exhausting..so i was finally told about what deferments was because i had lost my job and was unable to pay so i got them and everything was ok i was supposed to every year get another one so i moved to another state and my deferment ran out i didnt recieve a notice or anything about i need to get another one finally my mail caught up with me but by that time i had been without deferment for 90 days quickly fed loan reinstated my deferment with no problem but would not remove my late pmts now since i had so many loans it shows on my credit like 8 missed pmts or maybe 10 all im saying since these loans was consolidated shouldnt i just have one missed pmt of 90 days instead of 8 to 10 which now like with XXXX  XXXX is seriously stopping me from getting a mortage all im asking is why should i have so many missed pmts it degrates my credit with so many missed pmts i acknowledge the missed all im asking is why so many consecutive have to show instead of just one missed pmt of 90 days
Consumer complaint received 2020-08-16
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: JPMORGAN CHASE & CO. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TN)

Somebody tried to get a Barclays carnival MasterCard in my name opened on XX/XX/2024. Got a hard inquiry on my XXXX credit report. Received a letter in the mail on XX/XX/2024 requesting my driver 's license # my social security # and a current utility bill with my name. Barclays XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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. (MO)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated this inquiry in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  Date of inquiry : XX/XX/2021
Consumer complaint received 2020-08-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I requested from XXXX XXXX a statement or the letter of approval from the year XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to PORTFOLIO RECOVERY IN XXXX. 


I NEED from XXXX  XXXX WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN XXXX XXXX I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XXXX XXXX
Consumer complaint received 2020-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was trying to purchase a dog for my mother that she found on line, the price of the animal was to be {$600.00} with shipping from allegedly Montana. I was speaking with the guy over the phone trying to gauge some sort of authenticity about him. I checked the website also trying to avoid being scammed. Since I was not sure or trusting I reached out to my banking institution, Wells Fargo for some clarity and assurance about making said transaction via XXXX on XX/XX/2020. the gentleman that I spoke with told me that my money would be covered if I did not get what I was purchasing after I explained what my issue was with the seller. After I was assured by my bank that I was protected I proceeded with the transaction over 2 days time sending {$500.00} on the XXXX of XX/XX/2020 and {$100.00} on the XXXX to XXXX XXXX. Shortly after I started getting the run around about the dog. Then I called Wells Fargo to dispute which went well, they told me give it 7 to 10 days for the matter to be resolved. I then reached out to them again and now they are telling me it is nothing they can do because I initiated the transaction even after talking to a supervisor. They also apologized for the first guy giving me false information but its out their control. My issue is had I not been given the assurance from them the transaction would not have been made because I was already suspect of fraud. So now I'm out of {$600.00}, can someone please help?
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX I was charged XXXX interest for a XXXX purchase from Carecredit. I called Carecredit to see why. I was informed that the interest amount was correct and had been accruing since the purchase on XX/XX/XXXX. I asked how could I have not paid that fee off when I make payments every month. I always pay more than the minimum payment. I was informed by the customer service rep and the supervisor, XXXX, that It was my responsibility to call Carecredit every month and inform them how much I wanted to pay per each charge on my account. I informed the agents that I had NEVER been informed of that and felt that was very deceptive and misleading. They could not tell me why I that had never been disclosed but that I was responsible for that amount. 
I pay my bills every month and this XXXX interest charge on a XXXX charge is unfair and unjust.
Consumer complaint received 2022-12-30
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2020-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

Hello we have problems with this company before to the point I got Georgia governors office of consumer affairs involved we had insurance in these periods they never send notification and we only find out after we check our credit this is a practice they do my wife filed a complaint about the same reason they have me on 4 different things on putting in the system as opened on same day 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX
Consumer complaint received 2022-12-30
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. (TN)

XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on Equifax, XXXX and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on Equifax.