davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section XXXX XXXX a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-02
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: Santander Consumer USA Holdings Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-12-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX  withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. 
Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. 
I have been waiting since XX/XX/XXXX, I have called XXXX  over 20 times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX. 
I have filed a police report, which I will upload to you as well
Consumer complaint received 2021-08-02
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. (PA)

In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus asap!
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

Whenever I rent a car or hotel Chime Bank doesn't put back into my account the money taken out for security deposits. They have been doing it all year in two different accounts and are refusing to discuss the matter or provide any way to resolve the issue with dispute or even simply email. They won't answer questions about them changing the statements and accounting errors thet just lie and play games they have stolen from me over {$5000.00}. I have been trying for three weeks to speak to someone and they won't allow it.

They will lie and say the funds were released or act as if the funds are bit actually cash but those are lies they have told me as well. Ask them in that event to show you the deposit hold release and the amount of the balance after it. They have not shown me any documentation showing they gave out a XXXX  back if these holds with two exceptions.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Attention : Consumer finance prtection buraeu ref case no XXXX captalOne bank I wrote to your office several times But proper attention has not been Taken. 
Per responce I read by the bank, it Points that they are not aware of The issue having a letter clearly Stated that there was a short Balance amounting {$28000.00} Within 2 years window period. 
With transactions withdrawal at XXXX and uae. 
What I made out of my complaint Is as follows : I made a purchase XXXX  XXXX XXXX of merchandise At XXXX mall, XXXX XXXX XXXX But capital one first declined of The purchase cancellation and book Was not adjusted on time but finally Agreed which primarly has no knowledge And the mall made a cash refund arrangement After both party duscussed, may be to be safe Legally.

So my inferance is that if ever federal Inspector General Audit my book and Other lower citizen, one can Proof the bank has taken cash advantage So please research and refund My short balance B ) please take legal action via Civil suit firm. 
Thanks XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, va XXXX.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , AR XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (LA)

I have been paying on my student loan, and the balance keep going up. I called and they say that is the interest that was not paid in the past. I still pay on my loan doing the Covid-19 I never missed a payment. I just want my money to show for something.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

I called this company after checking my credit to see what the debt was about and They told me it was from a time when I was on my sisters phone plan. The amount is for XXXX, but I never owed them any money and my sister claims that they worked out the debt on her end. I explained to them that it wasn't my debt as I was never attached as an authorized user and I never involved my social on the account. They said they would send me a packet to verify the information but they never did. Around XX/XX/XXXX they dropped the debt from my credit score, but then on XX/XX/XXXX, they reapplied back to my account.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

This my third time submitting a complaint this company refuses to move this bankruptcy after I sent paperwork showing that the bankruptcy is not mine in has been deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious they have to be lieing if its verified Im about to take them on legal actions
Consumer complaint received 2021-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For almost 4 years i have been filing complaints about Bank of America and their " modification '' process. I had a 15 year Home Equity loan and paid it faithfully until the time I had several financial situations including ( Hurricane Sandy ) rendering me unable to make payments. I applied for a modification.. I have been in the process of modification for years. This bank has offered modifications several times and each time they have excuses that it can not go through. Amount them is while making the 3rd trial payment, the pay by phone took out 8 payments instead of 1, and we had to start over, You can see prior complaints for the past 5 years that were filed. This past modification, while under the sole guidance of Mr. XXXX XXXX ( Regulatory complaint commission ) I was sent a trial offer of {$380.00} at 2.75 % This offer was affordable to me. The prior offers all included taxes and insurance ( problems with that too ) making the payments way to high. During this long modification process, I managed to pay off my 1st mortgage, ( also held by bank of America ) and have been successfully paying my taxes and insurance on my own for the past several years. I have had bad experience with Bank of America in the past ( 1st mortgage ) that between them giving my mortgage to XXXX XXXX and taking it back, they BOTH failed to pay my taxes. I was informed by the town that the taxes were due and immediately contacted the bank. it was finally rectified and because of this I do not want them handling my taxes and insurance bill. In regard to this past " modification '' XX/XX/XXXX XXXX and i agreed the amount {$380.00} was fine and i made 2 of 3 trial payments. I made the 3rd trial payment and for some reason Bank of America had no record of it. I however, did and I sent them a copy of the bank statement. After 2 weeks Bank of America send the 3rd payment back for no reason. I was advised to re send the 3rd payment which i did. I then received the " permanent '' modification indicating that the payment is now {$760.00}. that was NOT agreed on and when I spoke to XXXX XXXX he told me he had it in " escalation and not to sign and return the permanent modification or i would be bound to it. he told me to continue to make the {$38000.00} which I have ( last one XX/XX/XXXX ) He assured me that he had it all under control and i would have the New modification with NO escrow by XX/XX/XXXX. Since then several representatives ( XXXX and XXXX ) both called to tell me I HAD to pay the taxes and insurance through them. All I am asking is to make my principle and interest payments on this bank loan. I am NOT interested in turning it into a first mortgage and I will NOT let them handle anything as important as my taxes and insurance ever again. This bank is poorly managed and has lied and manipulated their customers. Please arrange to speak to Mr. XXXX XXXX I have been jerked around for more than 3 years. Please help. XXXX
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

It has been over a couple of months since Experian raise my credit score, XX/XX/XXXX I paid off four collections towards my credit file to start restoring credit and Experian has been stagnant of raising my credit scores, the four collections I have paid upto date is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I am requesting for Experian to raise up my Credit scores for I have paid up on four collections and I am paying on the credit I do have. I would really appreciate.
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (PA)

I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another XXXX XXXX XXXX in PA and they said they would have given me the FHA loan. I tried to call XXXX XXXX XXXX in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a quickpay with XXXX for XXXX that was deemed part of my " available balance. '' Later that day, I issued a quickpay with XXXX to another Chase Account in the amount of XXXX. 
The next day - XX/XX/XXXX, Chase informed me that the outgoing quickpay was returned, with a XXXX returned item fee. They explained the cut-off time scam in detail relative to my incoming and outgoing quickpays. I asked if I needed to resend the quickpay. One customer service agent, plus a manager, informed me that I needed to resend it. So I did. 
XX/XX/XXXX, I received an overdraft charge of XXXX based on the second quickpay, because the first quickpay was not returned afterall. 
On XX/XX/XXXX, I received a XXXX credit for the erroneous resending of the XXXX quickpay. 
On XX/XX/XXXX, I noticed that the original XXXX plus the additional XXXX were deducted and previous daily transactions were reordered chronologically to show they posted after the second XXXX was deducted, and 3 more XXXX overdraft fees were imposed. I called Chase and they said my " courtesy refund of fees '' were exhausted for the 12 month period and there would be no means of recourse, despite their instructing me that the initial XXXX was returned and needed to be resent. This is ridiculous. I don't care about the fees. I care about the intent behind their disinformation and subsequent maximized profiting based on their knowingly false information and instructions. I fully understand the cut-off time between different banks, and happy to eat XXXX for it ... But they have admitted the error, refunded a fee based on that, and found a way to earn an additional XXXX based on the same transaction.
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I noticed 2 charges from XXXX XXXX XXXX that I did not make with my Bank of America debit card so I opened up a claim with the bank and I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice in my email that says the claim was denied A crime has been committed against me and my identity, I don't know who the culprit is, I tried to file a police report on the XXXX of XXXX but the police department was not interested in what I had to say and refused to take a report and after I found out on XX/XX/XXXX that the bank denied the claim, I made one more attempt to call the police and I spoke with XXXX XXXX XXXX at the XXXX XXXX Police non emergency and he took the report and gave me a claim number ; the bank did refund the {$150.00} to my account but promises to take it back on XX/XX/XXXX they say XXXX says I ordered a guitar and other equipment and had it mailed to my home ; I did not do this and I want Bank of America to leave the money in my account I am upset, when I call the bank I cant get and direct answers
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-02-08
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}
Consumer complaint received 2022-01-02
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: Experian Information Solutions Inc. (NJ)

I sent a dispute letter via Certified USPS postage to Experian consumer reporting agency on XX/XX/2021. In this dispute letter to Experian, I requested the VERIFICATION of an item on my Experian Consumer Report in the form of a XXXX XXXX  Bankruptcy " furnished '' by the US Bankruptcy Court in XXXX, New Jersey. 

I NEVER RECEIVED A RESPONSE OF ANY KIND from Experian within their legally allowed time period of XXXX, from the date of receipt by a company representative signing/stamping the USPS Certified return postcard . 

( XX/XX/2021 - Experian Company Representative : XXXX XXXX. ) It has been approximately 60 DAYS from the date of receipt by a company representative and STILL this UNVERIFIED item remains on my Experian Consumer Report!
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

PHH MORTGAGE you keep claiming that your sending my escrow refund check but you are SENDING IT TO THE WRONG ADDRESS. I DO NOT LIVE THERE. I have provided my current address to you on my previous 5 complaints and you have not responded. You overnighted my check to THE WRONG ADDRESS. Its evident PHH MORTGAGE has my current address because you keep sending letters to my current address.. I have it attached.

PHH MORTGAGE you have failed to provide my with my refund since XX/XX/XXXX after I have provided you with my current address numerous times. Therefore, effective today XX/XX/XXXX, PHH MORTGAGE will be charged a late fee of {$35.00} monthly until I have received my check. 
Once again, I have attached my current address.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (UT)

Possible Financial is reporting a debt on my credit file that needs to be removed. I took a look at my credit and noticed this debt was reporting. I do not recognize this account and I never applied for a loan with Possible Financial, I never even heard of possible financial. This account is not mine and must be removed.