davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (IL)

I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2024-04-10
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: CBC Companies, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! 
Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose.

Please update the following accounts as Paid, Never Late. 
XXXX  # XXXX
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (SC)

Equifax has failed to furnish the date of last activity and the date closed alleged charged-off account XXXX as requested in my first dispute sent in XX/XX/2021 The date of the last payment is inaccurate as seen by the Payment history calendar. This is a failure to ensure maximum possible accuracy before furnishing this alleged charged-off account XXXX on the credit report therefore Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021 I walked into XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I spoke with their salesman XXXX XXXX and told him I was looking for some custom wheels for my car. After sharing some photos with him we came to a decision on which wheels and rims would be appropriate as well as how long it would take to receive the wheels and tires, get them painted by his contractor. and mounted on my car ; he guaranteed me this process would take no longer than 10 days, I paid my deposit of {$3300.00}. From that point on i passed 20 days, then 30 days and Mr XXXX would either not return my call or tell me that their painter had made mistakes with the paint and that they were going to fix them. Every time I spoke to Mr XXXX he told me it would be another 4-5 days. At 40 days i told Mr XXXX that I no longer wanted the wheels because it had taken quadruple the time he promised, He refused and said that because they were being custom painted they would not refund me. I told him I would wait 5 more days and then I was going to file a dispute with American Express with whom I had placed the deposit. We surpassed the 5 days and the wheels were still not ready so I called American Express and asked them to file my first dispute ever. American Express told me that this would not be an issue since I had not received the merchandise and it had been far too long. I was given a temporary credit. Approximately 10 days later I called American Express to see if they had found in my favor permanently and I was told that they had. I have since purchased the wheels from a different company and they completed the transaction under the 14 days that they were promised in.

Four days ago I received a text message from Mr XXXX telling me that American Express had found in XXXX XXXX favor and if I didnt pick up the rims then I would forfeit the deposit! I was furious and called American Express expecting that this was some type of trick. American Express would not acknowledge that they had already found in my favor so I asked how this was possible ; I asked to see what paperwork had been submitted or why no paperwork was ever requested from me to refute whatever bogus claims the merchant had made to allow for a finding for the merchant. This is wrong. the merchant did not provide the merchandise in the time promised. 

I would like my {$3300.00} returned to my account immediately and permanently. This merchant did not provide my completed merchandise in the timeframe they agreed to.
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: CLGF Holdco 1, LLC (VA)

Account name : FEB/GFSCS-RETAIL XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as FEB/GFSCS-RETAIL and initially just " Closed ''. After submitting this document to XXXX in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.
Consumer complaint received 2019-12-04
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Liberty Career Finance, LLC (GA)

XX/XX/XXXX Acct : XXXX XXXX XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : LIBERTYCAREERFIN On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX XXXX XXXX Signature Required to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send two forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXXnd XXXX XXXX XXXX to receive my credit report every month which will be attached.

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 that the information is inaccurate.
Consumer complaint received 2021-08-30
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. (VA)

I took out an auto loan back in XXXX for A XXXX XXXX. I made payments until XXXX or XXXX, at which point, I fell behind and stopped paying altogether. 

The car was voluntarily repossessed. The bank that lent me the money ( XXXXXXXX XXXX XXXX XXXX ) transferred the debt over to a collection agency ( XXXX XXXX XXXX ). There was a court appearance in XXXX for the debt. I contacted the collection agency to settle the debt for the amount of {$5000.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX and I received a letter from the agency saying the account was resolved. 

Recently, I disputed the balance on my credit report, which showed I owed XXXX XXXX  XXXX XXXX {$2300.00} on a closed account. Since then, they increased the balance owed to {$5300.00} and reopened the account, tanking my credit score by 60 points. 

I contacted them today and spoke with their legal department which will pass the information to whomever needs it to rectify this. I am making this complaint because of aggressive tanking of my credit score at a time when I am looking to be preapproved for a home loan. It was retaliatory for something that shouldn't even have a balance, as they repossessed the car, transferred the debt to a collection agency which I paid.
Consumer complaint received 2019-12-10
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. (NC)

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from XXXX. In XX/XX/2015, I noticed on my credit report that XXXX reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments  were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with Transunion in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am 100 percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Tried to apply for a Capital One card ( under a pre-approved email ) to expand my credit portfolio and they declined due to " the applicant has been reported as deceased ''. 
I contacted all 3 bureaus as instructed on the back of the Adverse Action letter along with XXXX XXXX and no one has me documented as deceased. I also, contacted the Social Security office here locally and Nationally and no one has me reported as deceased. 
I called Capital One and they said they would investigate it if I were to mail in a complaint letter along with any reports and letters I received from the different reporting agencies. 
Because of this issue I can not purchase a car, home, rent an apt or home, obtain more credit cards to improve my credit score, which by the way, I brought from no score to a XXXX in a matter of a few months. 
I believe this all started with XXXX XXXX and the 2nd round of the Paycheck Protection Program when they got the 1st 5 numbers of my ssn backwards?
Consumer complaint received 2019-12-04
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: CAINE & WEINER COMPANY, INC. (MN)

On XX/XX/XXXX I obtained a copy of my credit report and it reflected a debt for Caine Weiner on behalf of XXXX XXXX, however I contacted my insurance company that have been the same for several years and no debt appears on my record, therefore nothing to collect since I do not owe them nothing. 
Again in XX/XX/2019 I met with my financial counselor and the account still appearing on my report and reported by two of the bureaus XXXX & XXXX. This is affecting my score even more. It is not allowing me to move forward financially.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE ACCOUNT BEING DISPUTED HAS NO RELATION TO ME. THIS ACCOUNT HAS BEEN CAUSING HARM TP MY CREDIT AND REPORTING INACCURATE TRANSACTIONS. PLEASE HAVE THIS ACCOUNT REMOVE AND CLEARED FROM MY CREDIT REPORT.
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

On XX/XX/2020, I was trying to buy a used car. I was told by the dealer, I could use XXXX XXXX. I did not have the money in my bank account, the money was on my prepaid card. My sister said she had the money on XXXX XXXX but I had to give her the money first. So, I did a moneygram for XXXX.I sent her the money they stated, It was processed and being sent but when she tried to pull the money it stated additional information needed. I called and was told after the unusual bias question that I was verified and the money would be sent. The money was never sent but cancelled and refunded. The money will not be in my account until XX/XX/2020. My rent and bills will bounce and I owe my sister a XXXX because of this incident. They kept the XXXX dollar fee also and because of their lies, racial profiling and bias, I am in debt.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (RI)

I made my XXXX payment of XXXX to M and T Bank. My bank accidentally keyed the payment in at XXXX but soon corrrected it to XXXX ; my account was definitely debited. This week I received a statement claimimg that the XXXX payment was not made. I reported this problem to M and T bank and gave their corporate counsel a copy of the canceled check. They have been " researching '' the problem for several days. I am very concerned as they have a bad reputation
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (TX)

on XXXX  got a credit card its been XXXXyrs and still on my credit report and another account same bank was sent to XXXX XXXX XXXX and they tried getting them to lower what i owed so have to pay full amount for XXXXmore yrs they wont lower what i owe we have a hard ship and still wont lower the cards and loan
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bursey & Associates, P.C. (AZ)

This was an attempt to collect on a judgement. I settled the Judgment IN FULL on XX/XX/2020 and continuously asked for a Satisfaction of Judgement lettter either unfiled or filed for 3 weeks and they have refused to provide me any documentation. They have told me numerous times that they have all my satisfaction of judgement completed but their attorneys take 4 weeks to sign the piece of paper. Even after expressing to them I would file a complaint with CFPB they refused to work with me or release the Satisfaction of Judgment Letter.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am XXXX XXXX woman who became very ill with a long term illness and had lost my husband. I had a XXXX XXXX. I have applied several times for a modification. The lender after many attempts finally acknowledged that I submitted a full package.. How ever the lender did not tell me about my denial until approximately two weeks later by their attorney. Please note that my initial mortgage was a pick a payment mortgage.

The lender says that they will not give me an modification because their desktop appraisal is too high. Prior to this they told me I was not getting a modification because I defaulted on a previous one. Ironically, they did not ask for an interior appraisal which would have resulted in a much less valuation.. I believe that no matter what I say or provide them they will not modify my loan. All I keep hearing is sell or refinance somewhere else. 
I believe that these actions are discriminatory because of my medical condition and race. I have seen others get streamline modifications without even applying for a modification.
Consumer complaint received 2021-08-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 From : XXXX XXXX XXXX ; Member, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX TO : Consumer Financial Protection Bureau XXXX XXXX XXXX  XXXX, XXXX, IA XXXX CC : Congressman XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX : JP Morgan Chase N.A. ( Chase ) bad faith behavior and conduct in refusing to disclose the Chases Executive Vice-Presidents name, address, and contact information, for XXXX XXXX where an application for a Note Modification Agreement for Loan # XXXX, property address : XXXX XXXX XXXX XXXX CA XXXX, would be made. 

Dear Sir/Madam, JP Morgan Chase N.A. ( Chase ), as a regulated bank, exists to serve the public interest and has an affirmative duty and good faith obligation to act and conduct itself in the interest of the public and customers it serves.

We are a small business owning and managing residential property. The ongoing COVID-19 pandemic has caused a great financial hardship and in such circumstances, Chase bank has an affirmative duty and an obligation to enter into a Note Modification Agreement in view of the drastically changed economic circumstances.

JP Morgan Chase N.A. ( Chase ) has acted in bad faith and harmed its customers by refusing to disclose and divulge contact information about its executives who are to be responsible for executing a Note Modification agreement for Loan # XXXX, property address : XXXX XXXX XXXX, XXXX CA XXXX. 

Relief Sought : Provide contact information for the Chase bank executive responsible for entering into the above referenced Note Modification Agreement for this loan.

Sincerely, /XXXX XXXX /
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (TX)

I did not give permission to charge my corporate credit card while visiting a local business while on work travel My corporate card was charged various times without my knowledge totaling {$1700.00} on XX/XX/2019 I disputed the charges after seeing them appear on my statement. 
Suntrust bank 's lack of communication and misunderstanding of my dispute brought them to refuse my claim. Even though my other banks had no issue with the claim. 
They wouldn't answer my phone calls or call me back, they would tell me one thing and send me an email stating another. Their customer service is absolutely horrendous. 

They basically told me there was nothing they could do for me, and are trying to force me to pay for something I did not authorize
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (PA)

When making extra payments or early payments they're not crediting them effective the date they're received but rather holding them until the due date allowing extra interest to accrue. When I questioned them about this I was simply told this is their policy. When I explained this was against federal regulation and that the payment must be posted effective the date it's received they told me someone else would call me back who never did.