davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-12
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. (NV)

Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Holding off with putting such information down here and really wanting to know about how effective it might be along this venue (. ) XX/XX/2020 To start something simply enough and whether this venue exists true, I will basicly say of complaint unto what major problem becomes handled. 
I have the Bank Of America not being really responsive or worthy. I have XXXX  cases which more than really abstract along big problems. 
The lawfirms are not willing to respond back at all (! ) XXXX XXXX
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C. (MA)

This whole situation was initiated by Harmon Law Offices on behalf of XXXX XXXX XXXX XXXX. Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/ I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX ( XXXX ) XXXX and with mobility as well as XXXX XXXX problems highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/XXXX  is XX/XX/XXXXXXXX XXXXAny attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/ XXXX This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/XXXX XXXX for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX  XXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to XXXX XXXX for profit of this elderly XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early mourning XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short XXXX XXXX for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX coming to my door to terrorize me on XX/XX/ as attached.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$2500.00} high balance. Allegedly Balance owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2020-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

In 2017 I transferred a federal unsubsadized loan from FedLoan Servicing to XXXX. This loan had an original balance of more than 220K. Three years later FedLoan Servicing is saying I owe more than {$1000.00} on the loan because of an error made during disbursement. Mind you I have not heard anything from FedLoan Servicing for 3 years about this loan. The balance of this loan has been XXXX for the past three years. They have been charging me interest at 7.5 %. So what they claim was an original mistake of about {$500.00} is now ballooned to over a {$1000.00}. During these past three years they never gave me tax documents or even an invoice saying I owe this amount. I have perfect credit and have never been late on any loan. I have documents to prove all of this. I tried to resolve the issue with them, but they refuse to correct their mistake.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (KS)

XXXX Opened XX/XX/XXXX Original approved amount {$250.00} Bal updated XX/XX/XXXX New credit : {$1400.00} I contacted chase and advised I have never signed up for a credit card with their bank. And one rep told me I was only showing as an authorized signer. Proceeded to give me a name I had never heard of. When I asked to be removed they informed me that I couldnt. I turned around and called XXXX to dispute this account the same day ( XX/XX/XXXX ) and they too advised me that a XXXX XXXX had opened the account. I do not nor have I ever met this person in my life. I want my name removed from this account and all information removed from Chase Bank ASAP! Chase bank refused to do anything about this.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. 

At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. 

Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? 

Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. Chase would not let me speak with a manager and  acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CO)

I call XXXX A call excuse for not attending my lone I request YEAR RND STATE MENT for this lone said : will be sended to fax numbers I dont have fax number Never response XXXX extension XXXX home preservation client representative XXXX XXXX XXXX I paid off I need my the year end statements for tax purposes Never response
Consumer complaint received 2020-03-12
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. (FL)

Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX XXXX.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (NY)

On XX/XX/2022 I withdrew money from the bank ATM and the ATM dispensed a damaged {$20.00} bill. I took the bill and went to a banker to have the bill exchanged. The banker, XXXX XXXX, gave me a hard time with exchanging the bill by failing to document the bill exchange within the bank database. Her supervisor, XXXX XXXX came and XXXX XXXX XXXX for requesting proof of the exchange. She threatened me to leave the branch or else Later I received a letter that all my accounts would be closed as of XXXX at the banks discretion. The branch XXXX used XXXX on me during our interaction on XXXX and XXXX XXXX XXXX  without merit.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified Experian that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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)

My information has been compromised and used to access credit fraudulently on my behalf without my knowledge or consent. I applied for a homeloan and noticed several discrepancies. The accounts list as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These are all accounts that I have never done any business with and are now hurting my credit.
Consumer complaint received 2020-03-12
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)

Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX  company.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (VA)

The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-12
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. (OH)

I have a some adresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following cellphone numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-03-15
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. (MD)

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. XXXX - mailed XX/XX/2020 4. Experian - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to XXXX 3. Response received from XXXX that does not include the method of verification required by the FCRA. 
4. Dispute letter to Experian 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers
Consumer complaint received 2020-03-12
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. (FL)

My information has been compromised and used to access credit fraudulently on my behalf without my knowledge or consent. I applied for a homeloan and noticed several discrepancies. The accounts list as XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. These are all accounts that I have never done any business with and are now hurting my credit.