davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XX/XX/XXXX are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XX/XX/XXXXpartial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had GAP insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of GAP insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.
Consumer complaint received 2024-03-21
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. (CA)

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.

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 2021-04-02
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: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. NET CREDIT - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXXn XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2018-03-22
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. (TX)

Hello I reviewed my equifax report and have unauthorized 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX XXXX   XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, 4. XXXX XXXXXX/XX/XXXX, 5.XXXX XXXXXX/XX/XXXX,6. XXXX XXXX  XX/XX/XXXX 7. XXXX XX/XX/XXXX ,8. XXXX XXXX XXXXXX/XX/XXXX,9. XXXX XXXX   XX/XX/XXXX 10. XXXX XXXXXX/XX/XXXX11. XXXX XXXX  XX/XX/XXXX, 12.XXXX   XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX,14. XXXX XXXX XX/XX/XXXX15.XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Medical Data Systems, Inc. (NC)

I had a medical debt with XXXX XXXX that was sold to Medical Data Systems for {$1900.00}. XXXX XXXX agreed to settle for 20 % less but I paid off the remaining 80 % in full last month. I started a dispute when it was reported unpaid after the 80 % payment. During the dispute, Medical Data Systems responded by reporting back to the agency that {$380.00} is still owed. That is incorrect because the hospital settled for an 80 % payment. Experian closed it out with no counter-response from me and it appears as though the balance is still owed. I do no owe {$380.00} because XXXX settled. Please help with this. I am being treated unfairly. MDS doesnt accept partial payments so Im not sure how owing them {$380.00} of the {$1900.00} is possible. They also do not provide receipt of payments, only confirmation numbers so there is no real receipt I can provide to prove I paid the adjusted balance in full.
Consumer complaint received 2021-04-02
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: OneMain Finance Corporation (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section XXXX permissible purpose. 

TransUnion - XXXX XXXX, XXXX XXXX, 2021XX/XX/XXXX XXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (SC)

I applied for a refinance of my mortgage with the same company that was holding my current mortgage, Rocket Mortgage. Six days after the closing the loan ( well past my 72 hours to recend the refinance ) Rocket discovered additional costs that they felt need to be added to my payoff. I received a phone call after three in the afternoon and was told I had a few hours to pay the additional cost or my existing loan wound not be paid off. The additional costs amounted to just under {$1200.00}. 

Appearantly I had 72 hours after closing to terminate the refinance but the mortagee had an indeffinate time to cancel the agreement.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In the process of getting a refinance I was told that the company Midland Credit Management had a lien on my property for an account they purchased in 2007. I have seen the information and it does not apply to me. I am being asked to provide information such as a police report and to contact the issuer of the credit in question. Both of these items are impossible as I am not able to file a police report retroactively and the company that Midland says they purchased the debt from, has no record of my account number or that I even had credit with them.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In response to the case XXXX, my question was not addressed at all. I received the remaining balance a day after I filed the complaint. I was not questioning why the bank holds my fund, I had the deposit agreement and I totally understand. I did all I can to accompany the bank 's request ( went to branch 1st even it's not necessary, went to the branch with POA 2nd time.

1. 1st representative misled me to go to the branch during the pandemic even the POA can be verified over the phone first. 

2. After I went to the branch with the POA. I made a follow-up call, the representative repeatedly told me I need to go to the branch with the POA again and again, even though I told her so many times I already did. Then the supervisor said the banker at Chase didn't call them but I was personally there seeing the banker make the phone call and scan the documents.
Consumer complaint received 2021-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2021 I contacted TransUnion to remove XXXX XXXX XXXX off my credit they have not done so
Consumer complaint received 2021-04-02
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. (GA)

I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX  and Experian and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/2017 {$770.00}
Consumer complaint received 2021-04-02
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: CITIBANK, N.A. (GA)

A hard inquiry appeared on my credit report from Citibank Na, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XX/XX/XXXX reports but still remains on XX/XX/XXXX. I've since put a 7 freeze on for all the credit bureaus. I contacted Citibank, Na, waymc again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/XX/XX/XXXXand reached back out to Citibank again to request this removal. There was no change. I submitted section 609 letter XX/XX/XXXXsent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted XX/XX/XXXX and they have my documents on file but state the were not able to remove from my report due to the letters from Citibank were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time now Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} XXXX XXXX I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings. 

Transactions : That $ XXXX was deducted from my payroll deposit on XX/XX/XXXX.
Consumer complaint received 2021-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Campus Student Funding, LLC (CA)

In XX/XX/XXXX, I contacted University XXXX XXXX regarding my 1098-E tax form. I was told that my loan, Acct # XXXX, had been written off back in XX/XX/XXXX. I was not notified about this ; I had been paying my loan through auto bill pay through my bank, which sent XXXX each month. Once I found out that the loan was written off I stopped the bill pay service. I contacted University XXXX XXXX to ask why they kept accepting the money after the account was closed? They told me that they could not help me and referred me to Campus Student Funding to report my problem about the money. I tried calling leaving numerous voicemails to call me back to no avail. The same thing with their website : http : //www.csfinformation.com, to submit an inquiry with the same result. I don't think that it is right for them to keep accepting money on a closed account. I am trying to recoup my payments. This loan was for a trade school that went out of business. XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX campuses ) They were taken to court for misleading business practices and lost.
Consumer complaint received 2021-04-01
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: CORELOGIC INC (FL)

I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by Credco. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my Transunion report as well as my XX/XX/XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XX/XX/XXXX report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.
Consumer complaint received 2023-02-03
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. (IL)

I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC (GA)

I entered into an agreement with XXXX XXXX and there was an error between myself and my creditor XXXX XXXX. They initially forwarded the account to Recovery One , LLC. 

I have since spoken with a manager at XXXX XXXX, XXXX, and spoke to her regarding the account. XXXX accepted the full payment of {$600.00} on XX/XX/2021 to resolve the account, withdrew it from the 3rd party agency, Recovery One , LLC and INSTRUCTED THEM TO DELETE the reporting from my credit reports. 

Instead the company updated the credit report to read, 'paid ' as if I had agreed to any contract with them and paid on THEIR contract. 

I called repeatedly to resolve this issue with their supervisor, XXXX XXXX, with no return call. I've called a few times and spoke with a woman named XXXX, who eventually stopped answering my calls and simply starting forwarding the calls to voicemail. I finally spoke with a woman who calls herself Mrs. XXXX, who suggested I 'give it a whirl ' when I informed her that the account was updated rather than deleted and I needed to speak XXXX XXXX XXXX Recovery 's resistance to correct their reporting. 

XXXX, the manager of XXXX XXXX called Recovery One LLC again on XX/XX/2021 to instruct them that the account was withdrawn and should be deleted with no response from their company. I resorted to beginning with this initial complaint to ensue a paper trail prior to further action
Consumer complaint received 2021-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (FL)

I bought a vehicle from XXXX of XXXX ( XXXX ) XXXX on Sunday XX/XX/2021. I was approve for 9 % with XXXX XXXX on XX/XX/2021. The dealer refused to go with XXXX XXXX and went with Ally who is charging me 14 % interest rate. 

I am XXXX, on XXXX because of XXXX and have limited income and I believe they lied or did not supply accurate information on my loan to get approval. 

Ally will not refinance the loan without dealer approval and the dealer absolutely will not allow me to finance with XXXX  at the better 9 % rate. 

The dealer has my trade in and {$12000.00} cash and I am stuck with a vehicle I may not be able to afford at the current interest rate. 

I spoke with XXXX XXXX the XXXX, XXXX XXXX the Sales Manager and XXXX XXXX. They only offered me a {$200.00} gift certificate and refused to assist me in getting the approved rate from XXXX. 

I feel they took advantage of my limited metal abilities and limited social skills. I don't understand how they can do this.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I have had a paypal account for over 4 years now and all of a sudden they quit letting me withdraw by check. Now they want me to add a bank account to paypal before I can withdraw my funds. That is totally ridiculous as I never had a bank account. I sell a couple of things a month on ebay and use that to pay some small bills. Now today I even tried to close my account and send check by mail which they told me they can do. But each time I go online to close it it asks me to add a bank account out of the blue ... My last check withdrawal was last month and now they say I cant? I believe what they are doing is illegal. They have had me verify my address, phone number, SSN and all and they act like they dont know me any more. This is very frustrating. I will upload the chat but please forgive my language.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Spoke with my mortgage servicer XXXX asked what was the status of the requested mortgage forbearance and mortgage assistance request? I was told by XXXX with XXXX XXXX XXXX customer Service the investor of my loan was not going to process any more forbearance or mortgage assistance request processed. i have been affected by XXXX XXXX with my health. I have not had any of the forbearance request granted or recent mortgage assistance request. I am 100 % XXXX and I feel I'm being discriminator against because of my XXXX. I was also told my house has been sent to the Attorney to be set for a property foreclosure sale. Please Help
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This company has obtained my personal identification under false pretenses.Permissible purposes 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.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Im having a hard time getting you all to see what Im dealing with in regards to my credit report through equifax. 

So XXXX just pulled my 3 major reports and on that report you see accounts dated XX/XX/XXXX that do not reflect anywhere on my equifax report with you all. 

Example XXXX appears on the equifax report pulled by XXXX with a delinquency dated XX/XX/XXXX XXXXXXXX XXXX  appears on the equifax report pulled from XXXX dated XX/XX/XXXX with a {$2500.00} credit line 29 total hard inquiries show up on tbe equifax report dated XX/XX/XXXX pulled from XXXX Then previously dating XX/XX/XXXX & XX/XX/XXXX I had 3 in 1 report pulled and all this was showing up dating back then to which I submitted a complaint on here bringing it to your attention tbat 26 hard inquired were appearing back on those and at that time I believe roughly 3-4 hard inquiries were on my report directly from you all.

This next part I understand you dont have control over my actual score but Im sharing this cause per that report sourced directly from Equifax it detects most delinquencies dating just two months ago. And it detects an account portfillo recovery with 120 days delinquency reported on it as well. 

So this is a major issues information coming from Equifax when pulled through a lender which Ive had adverse action letter prior for things I applied for that it obtained my credit directly from you all and was confused by what it mentioned so its not just 3rd party source proving information like this but actual reporting agencies such as XXXX is providing the same data coming from you all on me. So all this started roughly XX/XX/XXXX I noticed my actual reports directly from you all would show one thing yet equifax.com would report widely different things. Ive brought that to your attention through disputes etc. okay it would be fixed but the actual source of the issue clearly wasnt addressed
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (PA)

AXOS bank closed my account on XX/XX/29 and has made it nearly impossible for me to get my money back from them. I have tried to email and call them multiple times with either no response or I was told I was not speaking with someone with authority. They can take up to XXXX  days or longer to get your money back and you have no control over when you get your funds back.