davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

My wife and I had a mortgage with XXXX XXXX  of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a XXXX sq ft house to a XXXX room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WA)

I am XXXX and I applied for Washington state unemployment and I also applied for the SBA PPP program Corona relief program Earlier this year. After I waited such a long time 3 months or so, finally my Washington State unemployment was accepted and they paid me back all the back pay and the money was directly deposited from Washington state unemployment into my chime bank account sometime in XXXX and it was around {$14000.00} or so. And SBA PPP program also finally was approved and sent a direct deposit of {$10000.00} into my chime bank account sometime early part of XXXX. I also have been receiving weekly unemployment since XXXX by direct deposit and the money has been been depositing into my chime bank account which is now put on hold or Frozen. My chime bank account has been put on hold or suspended because they said that I needed to verify and confirm. I sent all documentation That verified and confirmed where the funds came from and also I have sent them the proper documentations to verify and confirm who I am when it comes to my ID my address etc that they needed and still they have not allowed me to access to my funds. I want to get my funds and close account As soon as possible. All the money that has been deposited in my account came directly from the SBA PPP program and also it came directly from the Washington state unemployment They can verify with the Washington State unemployment and also they can verify with the SBA PPP program. like I said, the money was directly deposited from those agencies into my account. I have sent them the documentation from Washington state unemployment and also I have sent them documentation from the SBA PPP program and still they have denied me access to my funds. I kept those funds in there since XXXX of this year and never took it out because it is the only way for me to make sure that the money is safe and I can't believe it they are trying to steal my money. please help me so this way I can survive during this pandemic. Thank you
Consumer complaint received 2020-12-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, 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 ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Consumer complaint received 2022-02-26
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. (SC)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have been attempting to reach FEDLOAN by phone / email ( multiple times ) for hours on end only to be put on hold from one department to the other then disconnected. On XX/XX/22 I spent 3 hours on hold and tried to call 4 different times hoping someone would help me with my issue. This is as i said one of many attempts I have submitted multiple documents to verify that my employer is a recognized organization that falls under the loan forgiveness. they have accepted 6 payments. I have been paying on my income driven loan for over two years and they have not honored the agreement. This company is completely incapable of providing the service and should be dismissed from the contract they are getting. Please put an end to this for me and others. i have multiple friends than
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (CA)

My credit reports shows my student loans being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my students Loans
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase offered me a no cost mortgage refinance at 3.275 % in a 30 year fixed rate based on credit and payment history. 

The declined me ( loan # XXXX ) stating type of loan not permitted under program requested. 

I have no active disputes on my credit report, which is the reason cites for loan denial. 
They then suggested I pay to apply for the mortgage refinance. 

This offer and subsequent denial has caused me material harm by way of lost opportunity to refinance when rates were lower. 

Chase Executive Offices has refused to request a manual underwrite for this loan, which is my desired outcome,
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Southwest credit XXXX  is attempting to collect a debt that belongs to a business. I requested a debt verification and all they sent was old invoices but no contract or anything stating it belongs to me. On XX/XX/2021 they reported it to XXXX  causing my credit to decrease. They did not wait for a response and violated my rights under the fair credit reporting act.
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ARVEST BANK GROUP, INC. (ME)

I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I purchase a ticket for my daughter to be with her sister on XXXX day. The bank Chase sent a fraud notice to my cell phone. I responded it was my purchase. They responded it was taken care of and no further actions needed. When I arrived at the airport with my daughter at XXXX on XXXX day, the teller told us Chase did not pay for her ticket. I had to speak to several supervisors at XXXX XXXX before anyone could help her. They did get her on a XXXX flight by opening up a seat. But this mistake by chase not paying for her ticket cost me {$210.00}. I call them and spoke to several supervisors in several departments to no avail. This is what I need to do to get any response from Chase. I spent over 2hours on the phone and 4 hours in the airport due to their lack of communication with me. No call no email no text.
Consumer complaint received 2022-12-14
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. (TX)

Upon a recent review of my credit report, I have found an error in a reporting account on my profile. This account does not belong to me and should be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I was in the process of purchasing a home using FHA financing. The deal fell through due to me not being financially qualified. The appraisal that I paid for can be transferred and purchased from me by a new lender according to FHA guidelines. The lender that I used has sold the appraisal to a new buyer and refuses to refund me for the appraisal. They said because the deal did not close I am not entitled to a FHA refund appraisal. I know that this is not true since the FHA does transfer appraisal to new buyer and old buyer gets a refund from the lender. The people at PRMG mortgage refuse to send me a refund for the appraisal that they transferred to the new buyer.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I checked my credit report to find a late payment for my auto loan with Credit Acceptance. I called an spoke with one of there employee and informed them I have never been late on a payment. She stated you have been late and will not removed the negative mark off my credit. I also file a complaint with the credit bureau.
Consumer complaint received 2024-02-22
Product: Credit reporting 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)

These are unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Fraudulent charges on my Capital One Visa card, reported by phone to Capital One on XX/XX/2020 and followed up with them via US Mail as required ( copy attached ) on XX/XX/2020 : Fraudulent charges of {$100.00} & {$200.00}. Capital One issued new card and said they would handle the fraudulent charges. They did not. I contacted them in writing again on XX/XX/2020 and again on XX/XX/2020. They have not removed the charges and have not contacted me about me demands. They are completely ignoring me
Consumer complaint received 2023-12-04
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out multiple times to customer service and the XXXX office for assistance in removing a collections account that belongs to my ex husband, XXXX XXXX. XXXX XXXX XXXX court documents and a proof of claim have been provided to XXXX XXXX team multiple times and they are closing the dispute without diligently reviewing the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in XXXX XXXX 
Please assist me in Transuion reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. 
Thank you
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

Hello, I recently had referred my friends to apply chase freedom unlimited card using the link I sent, and the person was approved 7 weeks ago. But I have not received the referral bonus confirmation email or any other information regarding this issue. I have contacted the chase before without solution. 

Thank you
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo charge me many overdraft fees over the years ( since 2009 ). I know they are in settlement and they tried to send me a {$35.00} check saying they charge me overdraft fees. Even though its was more than one time. My account is closed ( I closed it for this very reason ) would I still have a case within the settlement?
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX XXXXho conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to you with a sense of urgency regarding the inaccurate information present on my credit report. It has come to my attention that there are significant errors that require immediate correction. 

It is utterly unacceptable that my creditworthiness is being compromised due to inaccuracies within your report. These errors not only tarnish my financial reputation but also hinder my ability to access essential financial services and opportunities. 

I demand that you take prompt and aggressive action to rectify these inaccuracies without delay. Your failure to do so will not be tolerated, and I will pursue all available avenues to ensure that my credit report reflects accurate and truthful information. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my dispute and the steps being taken to resolve the issue. 

Please be advised that I am prepared to escalate this matter to the highest authority if necessary to achieve a satisfactory resolution. 

Time is of the essence, and I anticipate your immediate attention to this matter.
Consumer complaint received 2024-02-22
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. (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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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.