davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fairway Independent Mortgage Corporation (CA)

On XX/XX/22 I was contacted by Fairway Independent Mortgage after I was looking to get matched with a mortgage lending company to get more information of FHA loans and other loans for first time home buyers with a credit portfolio similar to the one I have. I spoke to XXXX XXXX and told him I was merely interested in figuring out where my wife and I stood, but that I did not have her information readily available since she was at work. Most importantly I told him we were not prepared to purchase just yet, ONLY to get some ideas on what we needed to do and where we needed to go next. I gave him my personal information for him to get started, expecting no more than a soft credit inquiry. I added what information I could to the online profile and was not even finished adding my W2 information when I received an email from the company that due to my income and credit score they would not be able to provide me financing at this time. Which is not what I asked for. My credit score then showed a XXXX hit to both my XXXX and XXXX for the hard inquiry that Fairway Independent Mortgage performed without my consent and before I was even done with my application process. Now this is on my credit score and could be for the next two years and could severely impact my ability to finance a home. This hard credit inquiry was done without my consent. Fairway Independent Mortgage has not returned my calls or emails regarding this.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

RE : XXXX XXXX XXXX, Account # : XXXX Auto Loan XXXX XXXX has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. XXXX is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because XXXX is predatory. 

This latest discrepancy is XXXX is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : XXXX is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

XXXX is purposely punishing me and slandering my credit report. I will give XXXX 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and XXXX has refused to take responsibility and correct their blatant errors.
Consumer complaint received 2022-01-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Statebridge Company (CO)

Started a refi in XX/XX/XXXX to consolidate debt and to pay off the account I have with them. 

It is now XX/XX/XXXX and they still wont provide a payoff statement and have completely held up my refi as a result.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America are the biggest thives. 
They are charging fees, on top of fees, on top of fees. 
I have received an email on Thursday Morning at XXXX, from bank of america , that my account balance is {$26.00}. 
at XXXX, I have received an email that an ACH transaction was presented and that my balance dropped to $ XXXX. 
at XXXX ( before XXXX am ) while the transaction was still in process. I deposited {$300.00} into the account. 
I have a recipt from the atm that says that the balance in my account after the deposit is {$36.00}. No fee is chaged. 
I have autorized a transaction from XXXX at XXXX on the XXXX!!!! 
and received an email that it used prossesed on the XXXX. the transcation did not prossesed at BOA until XXXX on the XXXX!!! AFTER BUSINESS HOURS!!!! 
today XX/XX/27, i was charged 2 time {$35.00} overdrwon fees for both of the transactions!!! 
I understand that there was charge for the XXXX but NOT FOR THE {$290.00} TRANSACTION WHICH WAS COVERED WITH THE DEPOSIT!!! 
This is unacceptable and completely wrong!!! 
I have 3 other account with other banks and none of them is fee abuser as bank of america. 
Before I am reaching out to get legal advise with regards to this, I am requesting the fee to be returned to my account!!!! 

best regards, XXXX XXXX
Consumer complaint received 2022-01-31
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. (FL)

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus.

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (AL)

Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2024-03-14
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. (TX)

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. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I deposited a check from my son a Joyous occasion that he repaid back a loan to start his business Deposited on XX/XX/XXXX on XX/XX/XXXX a restriction was placed on account, after several hours on the phone, the funds were to be released on XX/XX/XXXX On XX/XX/XXXX restriction remained Chase was unaware of policy at local branch, several hours on the phone information was needed, I complied and had my son go to bank and upload all information, next day XX/XX/XXXX account was closed. NO INFORMATION AT ALL WAS DELIVERED BY CHASE BANK XXXX  NOTHING BLANK CANVAS NOTHING AT XXXX LOCAL BRANCHES IN XXXX OR XXXX XXXX WHERE MY SON XXXX NOTHING TO MY SECURE MESSAGE CENTER< NO REACH OUT TO XXXX BANK MYSELF OR THE BRANCH NO CLUE BY INCOMPETANT CHASE BANK i call again so happy on a recorded line NO ONE KNOWS ANYTHING on XX/XX/XXXX he has to go back into the bank to upload again!!! The account is closed My money is gone, No clue in Chase where it is, when I will receive it, who was notified of additional requirements, when I could expect my money THAT WAS STOLEN and what happened to the XXXX It Is truly a CHASE bank
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (CA)

XX/XX/2019, i received a collection letter from the office of so called agency MUNICIPAL SERVICES BUREAU, i have never heard of this entity or of the amount of the collection attempt, according to internet search this agency history is that of untrustworthy business practice and is currently in civil law suit procedures .. i have requested more information from them regarding their claim and now waiting on response. i should not be harassed for an illegitimate collection
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments
Consumer complaint received 2022-01-31
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. (FL)

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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. (MA)

XX/XX/2022 Certified Mail Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Massachusetts XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
Experian previously removed the accounts from my credit file, but I recently discovered this debt is back on my Experian credit report. Experian reports the account as in collection with a past due balance of {$500.00} as of XX/XX/2022. This isnt right and the loan should be deleted from my file like it was several months ago. 
Enclosed is a copy of the page ( s ) from my credit file that have the disputed debt. 
Please let me know if you have any questions. 
Sincerely, XXXX 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 2022-06-01
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-01
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. (WI)

In accordance with the Fair Credit reporting Act XXXX Account # 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 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I recently got approved for {$7400.00} credit limit on my Chase Sapphire credit card credit reporting name JPMCB CARD. it was open and activated on XX/XX/2019 and i was using it regularly for my bills and paying full balance off. Not even a month goes by, and i'm at the XXXX store trying to purchase XXXX   for my business startup, and i get a declined at the store. Completely humiliating me in front of customers. I feel like i am being discriminated against. when i called to rectify the problem, they stated that there were too many seeking credit for too many accounts. Also, now that it has a balance of approx XXXX dollars, they expect me to pay that but not re open my credit card after reconsideration. I have not misused any of my credit and this credit card company and i really like there product but if i have to go to social media. Solution, please re open the credit card with the full benefits i had.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX at Bank of America are illegally and with malice providing false information on the payment status of my account to XXXX XXXX XXXX  a utility service providing payment services for the XXXX XXXX XXXX XXXX where I own a vacation property. Bank of America is illegally holding ACH Deposits that should by law be deposited within 24-48 Hours for up to 6 Days in an attempt to cause valid payments to be bounced or late. False Data from Bank of America Transaction ID reference number Bank of America Transaction ID XXXX {$140.00} On : XXXX falsely reported the Merchant as NSF Bank of America Transaction ID XXXX {$40.00} On : XXXX falsely reported the Merchant as NSF Bank Complaint Ticket Number -, XXXX Bank of America Agent XXXX, Supervisor Customer Service Fax sent to Bank of America r Fax Number - XXXX XX/XX/2022 Bank of America is : XXXX ) Illegally holding ACH Insurance Annuity Deposits from XXXX XXXX XXXX ( XXXX ) for 5 or 6 Days that should legally be reflected in the account within 48 Hours 2 ) XXXX XXXX Nationalists working for the Bank are manually changing Deposit Dates in the Account to force the appearance of a " Negative '' Balance when there are in Fact XXXX  of dollars available XXXX ) Sending False Data to companies like XXXX XXXX XXXX and even changing the dates of withdrawals on records to make it appear as though the withdrawal occurred 3 or 4 days earlier. This is illegal banking manipulation and a violation of ACH and FDIC guidelines for managing Credits and Debits. 
XXXX ) using illegal banking tactics and associations with other XXXX XXXX XXXX to attempt to ruin my financial standing and information because I am a XXXX The average deposits in the account exceed {$10000.00} USD. 

On : XXXX valid XXXX payments for {$40.00} and {$140.00} were falsely returned by Bank of America as NSF when the deposit from XXXX XXXX XXXX was made more than six days earlier on XX/XX/2022 ( XXXX ) and more than covered the debits. 
Despite knowing the account ending in XXXX had substantial funds to cover the utility debits Bank of America sent a False Notice of Insufficient funds to XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX who in turn took away my ability to pay using my Bank of America checking account or any checking account like other customers. 

This is illegal XXXX harassment of my Banking account and unfair and discriminatory treatment by XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2015, Experian charged my XXXX XXXX credit card {$59.00} for credit motoring which did not order. They got credit card information from last year when I purchased to view my credit score. I call and disputed the charge on XXXX/XXXX/2015 and they only returned {$29.00} on XXXX/XXXX/2015. 
I would like Experian to returned the full amount. 
Thanks in advance
Consumer complaint received 2022-10-01
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. (IN)

I need to dispute these hard inquiries from my TransUnion credit report. I am a victim of identity theft and fraud. These inquiries are not mine. Please remove them from my TransUnion credit report as these are fraudulent inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX