davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .
Consumer complaint received 2021-01-13
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)

Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.
Consumer complaint received 2021-01-13
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. (TX)

I have already notified the credit bureaus of my issue with identity theft. I have never had a XXXX account in my life and I don't know why it is reporting on my account. This is a fraudulent account and should be deleted from my credit reports immediately. I was under the impression that credit bureaus could only report 100 % verifiable and accurate information. 

I am 100 % sure that this is an inaccurate account because I have never been to a XXXX store or their website. 

My information was also compromised in the Equifax data breach. I don't know has their hands on my information.
Consumer complaint received 2023-01-17
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. (NV)

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lakeview Mortgage Bankers Corp. (MD)

I am concerned with the approval process used by Lakeview Mortgage in Maryland. They provided my client for a conventional mortgage at $ XXXX. They provided a conventional pre approval letter as well. I submitted an offer for my client based on this approval letter and we went under contract. I provided the ratified contract to the lender and he then states he couldnt do the loan it needed to go FHA. He only provided me a conventional letter to help my buyer in her search. He actually had no intention to ever do a conventional loan for my client. My client can not go FHA and was banking on a conventional approval. We are now under contract struggling to get financing because of their negligence to properly approve my client. The loan officer stated hes been doing this often because FHA loans have been frowned upon in the market. I think its bad ethics to give a client a hope for an approval without providing the facts. Im not sure if this has happened to other people but it needs to be documented.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent a series of letters to XXXX, Transunion & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from XXXX  and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.
Consumer complaint received 2021-01-13
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I used JPMorgan Chase 's bill pay service to pay my monthly maintenance fees. The bank sent a check on XX/XX/2020 to arrive by XX/XX/2020, but the payment did not arrive to the recipient and I have been charged a {$50.00} late fee. 
I called the CFPB twice - first spoke with XXXX and then with XXXX -- both times I was DISCONNECTED. Both times, I was asked for a call back number " just in case '' but I did not receive a call back, of course! Very frustrating.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-01-17
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. (NY)

XXXX XXXX reports on my credit bureau as active with a balance owing by me. I dont have any credit card from the company and they were unable to find anything about me so its opened fraudulently
Consumer complaint received 2023-01-17
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)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
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. (TX)

I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.
Consumer complaint received 2020-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Customer could not help me remove any of these hard inquiries i'm willing too list down blow that was inactive on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

On XX/XX/year>, I called Smith Debnam Narron Drake Saintsing and Myers, LLP regarding a letter they sent for a debt their Client XXXX XXXX XXXX XXXX indicated I owed. When speaking with the representative on a recorded line, I first attempted to determine a payment arrangement. In response, the representative advised I could pay the debt off over a three ( 3 ) month period ( totaling {$1700.00} or so per month ). I advised that I could not afford that and inquired further and was told I could stretch it out over a year but in order to do that payment arrangement I must sign a document ( confession of judgment ) admitting to owing the debt, waiving any rights I XXXX have, and agree to have this filed in with the court. The representative then advised that after I sign this document and allowed them to file it in Court as a judgment, I could then begin repayment arrangements. This seemed deceptive as we began talking about possible payment arrangements, but the representative switched and told me oh yeah if you want to do this payment arrange, you can only do so by giving up your rights. I did not agree to this because I quickly understood I would be giving up all my rights to which the representative confirmed I would no longer have any defenses against the debt, but I could then begin repayment. I then stated I would never waive my rights and I indicated to the representative that the debt has been paid to the original creditor anyway, so I do not owe. In response, the representative confirmed that but then said that their client, XXXX XXXX XXXX XXXX XXXX has not been paid. I responded with " I am not sure your Client has the right to collect on the debt. '' The representative then responded that I could call XXXX and obtain that information if I wanted. I responded that I am not required to do that but he is. 
I am not certain if the representatives at this law firm collecting on debt are monitored or trained but their debt collection practices are deceptive and they need training. Further, there is no reason the only way you can have anywhere near affordable payments requires you to agree to have a judgment entered in against you giving up all of your rights. I want proof that their Client has the right to collect on the debt. Specifically, the contract, the purchase amount and agreement.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

I refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take 6-9 months and still might not get escrow refund back. 

same complaint going on still into XXXX with no escrow refund payment. 
i have contines to persure the payment as the bank said it was fraud and should have already been rerfunded. ihave called and get the same answer " that we will esculte the matter '' with nothing happening call log XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( police and postal inspection service filed ), XX/XX/XXXX, XXXX, XXXX, ( XXXX ) XXXX, XX/XX/XXXX, XX/XX/XXXX everytime told they will esculate the matter to NO avail. check was CLEARLY not deposited by me ( check included ) my last option will be tp file small claims case against SPS
Consumer complaint received 2019-09-19
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: WELLS FARGO & COMPANY (PA)

WELLS FARGO DEALER SERVICES is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2024-06-12
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I ordered custom items from spier and XXXX clothing for {$380.00} which showed as XXXX on XX/XX/year> with XXXX tracking : XXXX however the item was never delivered to me. 

This is strange since i received another package earlier from them that shipped with XXXX just fine. I contacted the merchant for a refund and they did not resolve the issue. 

I then contacted goldman sachs with a dispute and they are not helping me resolve this fraudulent charge from spiermckay for merchandise that was never delivered to me
Consumer complaint received 2024-06-08
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: TRUIST FINANCIAL CORPORATION (TX)

Filed dispute with XXXX on XX/XX/year>. XXXX completed the dispute same day. Therefore, I believe no investigation was attempted. I received dispute results same day I filed the dispute & it was marked completed & updated. In addition, names listed are inaccurate. I've only used XXXX XXXX XXXX. No other names. Phone & addresses are also inaccurate. I live at XXXX XXXX XXXX in XXXX, TX XXXX & my phone number ends XXXX. I am unaware of any other addresses or phone numbers listed on my report.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I recently spoke with XXXX in consumer relations department team and she didn't really want to help me with verifying the current inaccurate reporting ( per 15 usc 1602 your required to do that with my written consent ) you guys have furnished on my chexsystems report. the following accounts are inaccurate and against my rights as a consumer the fdcpa states you need written consent to furnish anything on my consumer report I demand to have the following accounts removed immediately XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Missouri XXXX, The Following addresses are also inaccurate and have ruin my reputation as a consumer XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX the following address are all inaccurate or erenous and unverified my current address which also the following name I provided my current address already as well which is XXXX XXXX XXXX XXXX XXXX , Az XXXX or XXXX XXXX XXXX XXXX XXXX. this has been an infringement upon my rights and has caused me major distress on me as a consumer. I hope that you can assist in regards to this issue that been brought to hand I have been trying to get this resolved since XX/XX/XXXX.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

In XXXX I was involved in a financial crisis not of my own making. I contacted Bank of America to discuss what repayment options I had available to me in order to save this account ( {$500.00} limit ). The customer service representative informed me that they would be able to suspend my account and I would be responsible for making {$50.00} a month payments for a period of 12 months, after which I would be responsible for any balance above the credit limit and my account would be reviewed for reactivation. This was in XXXX of XXXX. The payments were made automatically every month with the final payment coming out of my account on XX/XX/XXXX of this year ( XXXX ) .Upon contacting Bank of America to conclude the arrangement, I discovered that my account was closed in XXXX of XXXX yet was continuously charged interest and late fees. According to BoA, these fees made my XXXX monthly payment insufficient and the account was charged off as of XXXX XXXX. The incomplete information given me led me to believe that I was doing all the right things to save this account and my credit. I paid XXXX on a maxed XXXX credit limit and they report a balance of XXXX owed as of XX/XX/XXXX. Taking into account late fees accrued between XX/XX/XXXX and XX/XX/XXXX does not explain what has occurred here. Should I have been told the truth, I would have adjusted my payments accordingly. The saddest part was that this was the only credit card I tried to save after my financial debacle.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MO)

I was robbed XX/XX/year>. XXXX people took my phone and wallet including my Chase debit card. I filed a police report. The XXXX  station on XXXX XXXX XXXX XXXX XXXX mo said camera footage should be available. About XXXX that night. I had Chase bank file a claim. They gave me provisional credit for a little over {$3000.00} and then took it back a few days later. Reason was the pin # was used but I never gave anyone the pin #. The hackers must have discovered the pin. I was robbed and did not authorize any of these transactions highlighted. Two or three ATM Withdrawels over {$500.00} that I did not do. The Chase bank is Insured for its customers 100 % for this type of loss and Chase even states zero liability for its customers that robbed/stolen cards identity theft etc. I want my {$3000.00} back. 

Thank you, XXXX XXXX