davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$8900.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX 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
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (OH)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (OH)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NJ)

I have never attended college. I have a loan that surprised me for {$100000.00} with XXXX. When I call they can not tell me where this loan originated from, which school the money was dispersed to, or which student the money is linked to. 

When I call the XXXX XXXX XXXX XXXX they state that this loan was one loan for {$75000.00}. There is no master promissory note or documentation assigned to this loan. They also can not tell me where the money was dispersed to, which student it is linked to, or where the loan originated from.
Consumer complaint received 2021-11-22
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. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

As I was checking my credit report almost two years ago I received public service forgiveness on my under grad student loans acct number XXXX. It makes me angry to see Mohela has my student loans listed on my XXXX  account written disputed consumer and on XXXX student loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal student loans Mohela needs to upgrade my students loans to its rightful status and remove this lie as well as XXXX  these companies should not be allowed to write these un truths on consumers credit reports.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses : 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 2022-05-23
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: Experian Information Solutions Inc. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I am writing to dispute information on my ChexSystems report that I believe is inaccurate and requires further investigation. I have reviewed my ChexSystems report and identified discrepancies related to three accounts, two of which appear to be duplicates with different balances. 
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 XXXXXXXX XXXX XXXX XXXX  Upon careful review, it has come to my attention that Account Numbers 1 and 2 appear to be the same account with different reported balances. I believe this discrepancy is inaccurately reflecting my financial history and could potentially impact my ability to open new accounts or obtain credit. 
I am requesting a thorough investigation into these discrepancies and kindly ask for the following actions to be taken : 1. Verify the accuracy of the reported information on all Account Numbers.

2. Clarify whether Account Numbers 2 and 3 are indeed separate accounts or if they represent the same account with different reported balances.

3. If there is an error, correct the information on my ChexSystems report promptly. 
4. Provide me with written confirmation of the resolution and any adjustments made to my report. 
Enclosed with this letter are copies of relevant documents, including bank statements and account records, supporting my claim of discrepancies in the reported account information. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within 30 days. I appreciate your prompt attention to this matter and your cooperation in resolving these discrepancies. 
Thank you for your assistance in this matter. I look forward to receiving a response within the stipulated time frame. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I was hired by this company called XXXX XXXX by a man called XXXX XXXX. He said I was hired and that they were going to send me 2  checks for the amount of XXXX XXXX  to buy the equipment. Well, the checks were fake, the man was fake and the checks of course bounced. I called Bank of America explained what happened and they told me it will take 90 business days for the claim to be resolved and possibly get a refund and my account back to the way it was an not negative {$1900.00}. The holidays are coming and I have more than enough proof that I was scammed. I will attached everything I have and hopefully I can get this resolved earlier than 90 days.
Consumer complaint received 2017-10-26
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: ENCORE CAPITAL GROUP INC. (MA)

On XX/XX/XXXX, a district court in my state dismissed ( with Prejudice ) a debt collection agencys lawsuit against me in the amount of $ XXXXtheir lawyers did not comply with my discovery request and as a direct result, lost their case. I reached out to the debt collection agency on XX/XX/XXXX to dispute the collections account since the case was dismissed. Not only did they not process my dispute, they stated that they would continue to report to the credit bureaus twice per month. Please help! This is affecting my ability to get approved for credit and to get decent interest rates! Thanks.
Consumer complaint received 2017-10-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I submitted a complaint to your office regarding this issue with Chase bank before. We spoke with Chase bank customer service. We have been told that they will be working on our case and asked us all the proof of income. We submitted all the information but Chase never contact us with the help they say they will help us with. We are at the end of the year no solution. We are wondering on how long will Chase bank take to tell us about our mortgage modification. We our income we are not able to pay our mortgage monthly payments as scheduled. Too high.
Consumer complaint received 2022-06-14
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: CrossCountry Mortgage LLC (PA)

Below inquiry do not belong to me. I have no accounts with Cross Country Mortgage  or XXXX XXXX. To the best of my knowledge the below companies did not have my authorization to pull my credit. 

XX/XX/2021 Institution Information : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : XXXX XXXX  No contact information has been reported by this creditor.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TN)

XXXX XXXX and XXXX XXXX XXXX represented that they were selling their father 's XXXX XXXX on XXXX XXXX. After several weeks of negotiations, we agreed on a price. Friday evening XX/XX/XXXX, XXXX required a deposit to deliver the car to XXXX TN ( my home ) over the weekend. I initiated a bank transfer to XXXX XXXX Friday evening XX/XX/XXXX, but it was not going to post until Monday XX/XX/XXXX. On Saturday morning XX/XX/XXXX, she said she needed the money via XXXX to XXXX XXXX XXXX ( car owner 's son ) so they could arrange the transportation and to cancel the bank transfer ( which showed pending, and had not completed ). I sent additional deposit via XXXX that morning and XXXX said she would deliver the car XX/XX/XXXX. That day and the next day, after multiple attempts to contact XXXX via phone, text, and email, no successful responses and no car delivered. On Sunday XX/XX/XXXX I attempted to contact her again, no response. I reported the scam fraud to my bank, to XXXX, to XXXX, and to the KY Attorney General Consumer Protection division. I would like to formally report fraud and scam by XXXX XXXX and XXXX XXXX XXXX, and press charges if applicable and recoup my deposit money. 

My banking institution XXXX XXXX Bank informed me that the Bank Transfer could not be cancelled because they use a XXXX party system Zelle to process the transfer and they had no control. I explained to my bank the nature of the scam and fraud. I need to have the bank transfer cancelled and refunded in full.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX of this year, I wrote to the XXXX XXXX/SYNCB that I wanted to close my XXXX XXXX XXXX # XXXX because of the annual fee they charged me. And requested them to waive the annual fee after they have closed this Visa # XXXX! 
On XX/XX/XXXX, XXXX XXXX wrote to me that my XXXX XXXX XXXX # XXXX was closed as of XX/XX/XXXX. And the balance on the account was {$0.00} after they removed the annual fee, late fees and interest. And apologized for the inconvenience and frustration they caused me! 
On XX/XX/XXXX, I wrote to them again and attached a copy of the letter XXXX XXXX sent me! Because their billing department keep billing me for the annual fee with late fee and interest ; they also reported to the XXXX Credit Bureau as delinquent on payment to them! 
On XX/XX/XXXX, their customer service department replied that they were doing right reporting me as delinquent on payment and avoiding the XXXX XXXX letter I sent with my complaint to them! It seems to me they do n't care and what they want is ripping me of with fees and Interest!
Consumer complaint received 2022-05-23
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. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I recently refinanced my home loan with XXXX. XXXX XXXX XXXX ( XXXX ), who I believe is a partner or subsidiary of XXXX first held my mortgage. I made the first payment to them on XX/XX/2021 as required. The mortgage was then sold to XXXX XXXX XXXX ( XXXX ) post payment on XX/XX/2021. 

XXXX is not harassing me for a late payment, threatening credit problems/reporting until payment is made. They are pressuring me to make the payment I already made to XXXX. 

XXXX is telling me I need to get my money back from XXXX, XXXX is telling me XXXX is lying to me and the money will be transfer and it takes time, etc. XXXX is insisting they have the loan, but money was never transferred. 

Both banks are leaving me in the stuck in the middle with no way to turn. XXXX insist I pay the money now. 

XXXX has said they will not report to credit within XXXX  days, but will got back and report all problems that occurred within that XXXX days. I am not sure how this is right or fair. 

Proof of payment and receipt of payment is attached. My bank statement shows the money withdrawn and the other statement is from XXXX showing it recieved.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (LA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.
Consumer complaint received 2017-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION (TX)

Originally, I was 2 months behind with my car payments. I called the lender to make arrangements to pay 1 month 's payment on XXXX XXXX and then the next month that I was behind on XXXX XXXX. The lender agreed, said no problem. I made the payment on XXXX XXXX of {$450.00} which was 1 payment. As of XXXX XXXX, the lender filed repossession and my car was removed on XXXX XXXX, even after telling me I was not in danger of repossession as long as I made the 2nd payment on XXXX XXXX. When I called to discuss the previous arrangement to pay the remaining payment on XXXX XXXX, they did not respond to that question and instead asked me if I wanted to begin the process to get my car back. In response to that, I asked how much I would need to pay to get the car back. They advised they would not tell me until I began the process to get it back ( I did n't know if I could get it back so I needed to know the cost first ). Next I asked how to get my personal belongings out of the vehicle and was then advised that I would need to pay to get the vehicle back. The lady was very unprofessional and was cursing at me over the phone. At this point, I feel as though I do not want the vehicle back because they will come repossess at any time even if I do make arrangements. I do still need my personal property from the vehicle ( XXXX XXXX in overhead compartment ) and would like to see a copy of my loan history notes.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Abra (FL)

I was approached by a person who allegedly claimed they work at Abra which said if i put an investement worth XXXX, i'll earn XXXX and figure was only written on phone possibly the person just thought of the amount just to lead me into a scam. By my investigation she wasn't an Abra user according to the company. 

I started chatting with XXXX on XXXX, then later switched to XXXX chat. I tried to invest on XXXX or XXXX XXXX, so i bought cryptos of up to {$1300.00}, hoping to earn some profits. The card payments and bank transfer that i made was to buy some BTC cryptos which i bought using Abra via XXXX, so it gave a few options like XXXX and XXXX
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

The bank took triple payments when only one payment was due. I was advised in XX/XX/XXXX that the account was current and up today. I was told on XX/XX/XXXX that the account was current when I made the payment. Then when I spoke with the rude manager she advised that they took both XXXX and XXXX even though XXXX has not yet billed then she came back and told me I was past due. Even though I have been told every month that I call in Im current and not pass due. Im being told misleading information and they pull money from bank unauthorized and will not refund the full amount even though I am not doing anything wrong. I want the full amount of XXXX refunded and my account code as current.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This is the first that I heard about this company. It appears on my credit report without proper communication with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.