davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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: CITIBANK, N.A. (NY)

Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXX BBY/CBNA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a credit monitoring alert on my phone this morning letting me know that there was a collection account added to my credit report. This made my credit score go  down and I'm trying to maintain a high school. I noticed it was an account, XXXX via XXXX, which I've already filed a dispute in the past to have removed. My information is being sold to new companies who are reporting this fraudulent account on my report. This is not my account. I've already disputed this and I've already asked it to be removed and blocked from my account. This is my second time. Please remove this account and block from my credit report as it does not belong to me. Thank you. XXXX   XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

earlier this week I heard our California Governor say on live tv that all mortgage companies will defer your monthly mortgage payments up to 3 months without any penalty. he said that the way it would work is we can defer 3 monthly payments and our mortgage company can just add those 3 payments to the back side of our loan without any extra cost or penalty to us. 
So I called our mortgage company to ask them if we can defer our payments like XXXX XXXX said, because myself and my wife are both temperarly out of work for a few months because of this corona virus. its not our fault that we can not work right now because of this virus. The governor ordered a state wide lockdown. so we are not allowed to leave our house unless we need to get food or essential groceries. We both had to file for unemployeement insurance to help us get by until its safe for us to go back to work. And to my surprise the mortgage company said they will not cooperate with what XXXX XXXX said about defering our mortgage. This is why I want to report this company. This demonstrates bad faith and a bad business ethic on there part. The name of this company is Lakeview Loan Services LLC I will gladly give you my personal account info if you need it later. I can be contacted by phone or email just about anytime.
Consumer complaint received 2022-12-29
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. (GA)

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 XXXX XXXX XXXX. 
XXXX XXXX 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 an 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 or 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 2020-03-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX    XXXX {$110.00}
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 (  a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.
Consumer complaint received 2020-04-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

On XX/XX/2020 XXXX XXXX I applied for lot 7 property at XXXX XXXX new construction site located at XXXX XXXX XXXX, CA XXXX. I was told by the on site agent XXXX  I could not apply for the property at that time due to the builder didn't give the agents a price for lot number 7.  Finally after 5 days my agent XXXX called me and said they had a price from the builder, and me too call XXXX XXXX at XXXX XXXX I called XXXX XXXX, and informed him I had a VA approved loan ready for pay out. XXXX informed me I could not use the XXXX loan I had to apply at XXXX XXXX XXXXnd be approved by him. Below is a copy of the email XXXX sent me after I applied at XXXX XXXX Mr. XXXX asked for documentation for one year of payments auto ins, life ins, XXXX, XXXX XXXX XXXX, Cell phone, internet and Cable. I feel this was harassment because I submitted a year of bank statements with all of those payments reflected on my bank statements. The loan officers at XXXX were smarter, they didn't have any problem interpreting my bank statements for a year. 

COPY OF EMAIL XX/XX/2020 Thanks for downloading the XXXX XXXX app. Now you have the mortgage process in your hands! 
Be sure to check out everything that will make your loan easier. You dont have to get stuck waiting to figure out what you can afford, just use the mortgage calculator to check out your loan options. Your loan process wont be stuck in the stone age either. When were ready to start working on documents, you have an easy-to-use scanner tool in the app so you dont have to scramble for a fax machine or printer, or driving documents across town. Ive also added links and other tools to make your part easy. 
If youre the type of person that would rather do all this stuff on your computer, just go to, https : XXXX and remember to use XXXX to sign in. 
Were here for you! Reach out anytime. 
XXXX XXXX XXXX XXXX ) XXXX XXXX American Pacific Mortgage Corporation On XX/XX/2020 I received a credit denial with one check mark in the credit section for delinquent credit obligations. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (GA)

Today I called United Wholesale Mortgage to discuss the hardship that has fallen on my family due to the Covid19 pandemic. My spouse and I are currently out of work or had our hours cut back drastically. We are concerned that we may not be able to pay pour mortgage the next couple months. When I called I asked about deferring our next 2 payments to the end of the loan. I was basically told no and that I can fill out an application for Short sale, refinancing, loan modification or repayment which would involve making a higher monthly payment. None of those would apply to us. This is the only financial company that has given us an issue. Not only do we have to worry about no income coming in, we know have to worry about a greedy mortgage company not willing to work with us.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

INQUIRY FROM THIS COMPANY ON MY CREDIT REPORT, THAT WAS NOT AUTHORIZED! 

THD/CBNA Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

Account : XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the XXXX. The note holder or the equitable title owner are the only positions who should receive payment. 

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation XXXX Banking Holiday by Congress and XXXX XXXX XXXX in 1933?

Also this account is in collections which means that the business wrote the debt off on a XXXX which is classified as income by the IRS. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (MI)

I turned in my XXXX XXXX, and Ford Motor put a balance owing on my credit, I had no knowledge or notification of a balance being owed on the vehicle of {$1300.00}. They put it on my credit report without making me aware of a balance. I would like this removed from my credit report. 

Ford Motor Credit Acct # XXXX
Consumer complaint received 2019-12-04
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

There was five ( 5 ) withdrawal transactions on XX/XX/XXXX " out of my account by XXXX '' which I did not authorized. I NEVER use XXXX, I don't know anything about XXXX. I reported it to Bank of America ( BoA ) Fraud department immediately on XX/XX/XXXX. Below are the transactions XX/XX/XXXX XXXX XXXX withdrawal {$150.00} XX/XX/XXXX XXXX XXXX withdrawal {$310.00} XX/XX/XXXX XXXX XXXX withdrawal {$310.00} XX/XX/XXXX XXXX XXXX withdrawal {$330.00} XX/XX/XXXX XXXX XXXX withdrawal {$620.00} The Total amount withdrawn by XXXX is {$1700.00}. 

I wrote a letter and an e-mail to XXXX XXXX, Retail Client President XXXX BoA respoded with a letter after their investigation and said they can not reimburse me for this FRAUD transaction and they closed the case. 
The case # is XXXX XXXX. 

Please keep in mind that I have NEVER authorized these transactions nor did I ever received any TEXT messages to authorized this. I never use XXXX for any money transfer withdrawal and I have been a customer with BoA for 18 years. 
Please help me recover my money from this FRAUD that occurred on my account by BoA/XXXX. 

Thank you very much, Kind Regards, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked XXXX  to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.
Consumer complaint received 2023-02-06
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I notified XXXX XXXX XXXX XXXX that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified Transunion Consumer Solutions in XX/XX/2019 2019
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (DE)

I opened a checking and savings account online with Chase on XX/XX/2020. Everything went well and I got welcome email dated XX/XX/2020 and physical welcome letter from them in following week. I also received debit card associated with my checking account. Surprisingly, I also received a letter the same day from the chase saying the accounts were closed that was dated XX/XX/2020. I tried to log in to the account online and it said the account is closed and a customer service number was mentioned to contact for further details. When I called the number the agent said I need to go to a branch for verification. I was surprised the agent said that account might have been closed if I did not respond to the verification call they must have made before closure and I am certain that I did not receive any calls from Chase before. I visited the branch the very next day i.e. XX/XX/2020. They tried to look into the matter and said they can not find a specific reason for account closure but the accounts are closed and can't be reopened. The only solution I was given was a new one. The problem was that I opened the accounts with a promotional offer of XXXX $ when you open a new account to chase : checking and savings, subsequently.The promotion was valid until XX/XX/2020. I requested the manager if they can give me the same promotion. They asked me to come next day i.e. XX/XX/2020 so that the agent can ask the specifics from the manager. I did call in before going to ask if same promotions will be added, they said yes. But due to some reason I missed going the said day. Instead I planned to go XX/XX/2020. I called in again before going to the bank and the representative who was dealing with me had been moved to another location. I requested the agent on call with the complete details to make sure my trip to bank is not wasted and she suggested to call me back. I heard back from her and she said the manager was in meeting and she can only contact the manager after the meeting. I asked her politely to give me a call even if the answer was no but I never received a call back from her or the bank. I felt no point in contacting the bank again. This is how Chase closed my accounts without any proper justification or giving any time to fix something that was missing and cheat me out of a great promotion.