davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (NJ)

I sent out Letter to Remove Inaccurate Credit Information from XXXX, XXXX and Equifax I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, XXXX and Equifax
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (IL)

I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX cst. informed them of my dispute in regards to a credit card balance that was owed to Amex, informed them more than 20k is unauthorized charges. They refused to put in my complaint saying the submitted one back in 2014. I spoke with XXXX at extension XXXX, I asked him for the lowest settlement by company policy, he lied and told me about 27k when XXXX was possibly the lowest.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

There is an inaccurate account on my credit report with Equifax for XXXX XXXX. I have sent both the Equifax and XXXX associates a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Good morning. 

I'm a XXXX yr old widow. I'm facing a situation that is making me XXXX XXXX and I'm XXXX imagining that I may be homeless. In XXXX, I was assigned to a case XXXX from XXXX. Since XXXX I have been working closely with Chase and XXXX. There has been XXXX sale dates canceled because we are working on my case. 
First, Chase Bank had to give XXXX a reinstatement letter for XXXX which is what they fund. Chase provided me with a reinstatement letter for XXXX that was owed in XXXX, Which XXXX are in fees. I was left with no choice then to file a XXXX XXXX Report complaint. Chase response was stating that they will waive or remove the fees under the circumstances that XXXX sends them a letter stating I have applied for XXXX. I had XXXX sale dates which have been canceled since we are working with XXXX. On XX/XX/2022, I was told to send Chase a modification application. It was sent that same day to Chase. I was under the impression that finally I was resolving this issue. On XXXX XXXX, Chase sent me a letter with my options which were Short Sale and issued a SALE date for XXXX XXXX. They mention I did not have time to complete the modification program. I have been back and forth with Chase since XX/XX/2022 there has been more then enough time. I have the help from XXXX and Chase is making any reason not to accept the payment. This is something that needs to be heard. Chase should accept the payment from the XXXX the very main reason its been issued. They need to reinstate my loan with the XXXX as they said in written. They said once XXXX sends them a notice that I have a application with XXXX they would remove or waive fees. They need to reevaluate the actions they are taking as they are not correct. They are not doing as they said now time has past and they dont help. I have XXXX XXXX XXXX and I'm XXXX this is taking a big impact on my health. I live at the house with my XXXX teenage grandchildren both full time students. If I lose my house I will be homeless with my XXXX teenage grandchildren. This is devastating and I feel hopeless. Please help. I will greatly appreciate it.
Consumer complaint received 2023-05-13
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)

This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-11-12
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C. section 602 A. States I have a right to privacy. 15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions. 15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC (TX)

This company is a fraud, Im starting to do a round up of signatures of people this company have messed up, this is the second time reporting this agency they keep calling harassing me after i have decided to give they broke car back to them, they closed the loan and still called and harsh me i got recorded conversation where the agency said the car was fix and then she came back in the same conversation and said that they didnt fix the car, but she also said they will give me a report on what was repair on the car i have attach the phone calls and copies of the recorded conversation on my credit report it shows a closed account and repossessed she claim they will repoen the account after the car was fix they have not sent over to me the report where the car was fix
Consumer complaint received 2019-12-23
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX  XXXX XXXX {$660.00} not mine
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (TN)

I received a letter in the mail stating that a card was opened in my name at " XXXX ''. I did not apply for this card and promptly called XXXX to let them know that this is XXXX and not me. I later received the " card '' and notified of the {$1400.00} balance that I did not charge.They said they would investigate. I called back several times and made no progress. They said they had XXXX days to investigate. They said that the money was spent at a store in XXXX and the store had XXXX days to get them info. I called the store in an attempt to expedite the process and the XXXX had no knowledge. I called XXXX XXXX back and they said that they don't contact the store to investigate. They don't seem to know their investigation process. I followed up by writing letters and spending {$30.00} to mail documents to credit bureaus so they could investigate per the information on the FTC website- XXXX XXXX XXXX, and Equifax XXXX Today, I got a letter in the mail stating that the account is factual according to EQUIFAXXXXX. It is NOT!! XXXX and XXXX removed the false information from my credit report. It seems to me that someone could look at my credit report and see that I did not need to open a card and max it out in the same day. I could have used XXXX of my other cards with a lower interest rate if I wanted to make the purchase. This is not me and if it is not remedied then I will be looking for an attorney. I have worked years to have good credit and now I have spent XXXX months of time, effort, and certified mail to remove something that shouldn't be on my credit. Ironically, this same person who was extended the credit with XXXX also applied for credit at XXXX XXXX XXXX XXXX XXXX and they were denied so that leaves me wondering if XXXX extended credit with inaccurate information.
Consumer complaint received 2019-12-23
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: EQUIFAX, INC. (TX)

XX/XX/XXXX, i CALL ABOUT A FRAUDULENT ACCOUNT FROM XXXX XXXX. AND I'M EVEN TRIED TO CALLED XXXX XXXX ABOUT THE SITUATION AS IF XXXX AMERICANS DOESNT PAY THERE BILLS.YOU CAN EASILY LOOK AT MY CREDIT REPORT WHICH HAS OVER 50 ACCOUNTS, SOME PAYMENTS IS OVER {$2000.00} AND SOME PAYMENTS ARE LESS BUT I PAY AS HIGH AS {$20000.00}, BUT I'M NOT GON NA PAY A {$25.00} BILL, YOU CANT BE SERIOUS AND THIS LADY THAT WORKS FOR XXXX XXXX HAS DONE A FULL INVESTIGATION AND SHE STILL WONT TAKE IT OFF. BUT THE MAIN COMPANY IS EQUIFAX, BECAUSE IT IS A TOTAL OF 10 OR MORE ACCOUNTS, WHICH THE BILLS ARE {$25.00} BUT ONCE AGAIN IM PAYING OVER {$20000.00} IN BILLS MONTHLY. IT MAKES ABSOLUTELY NO SENSE.I HAVE 12 PAGES OF DOCUMENTS AND AFFIDAVITS SIGN BY NOTARIES WITH A WITNESS AND EQUIFAXREFUSE TO DISPUTE. THEY FROZEN MY CREDIT REPORT AND THEY TOLD ME THAT I TOLD THEM. SO I CALL XX/XX/XXXX AND THEY SAID OH YOU HAVE A FRAUD ALERT WHICH I DIDNT DO ALSO.. I AM REQUESTING THAT EQUIFAX TO BLOCK THE ITEMS THAT I REQUST TO BE BLOCK UNDER THE FCRA SECTION 605B. I WILL ATTACHED ALL THE DOCUMENTS TO THIS COMPLAINT.
Consumer complaint received 2019-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (MO)

Hello, My name is XXXX XXXX ; I have contacted Chase in this manner. Chase bank representative told me that it is my fault for making Chase bank checks bounce. 
Bellow is the listed issue. I have notified XXXX in this about this. 

Chase bank charged my account a payment of XXXX $ on XX/XX/2019. When the Mortgage is paid in full on XX/XX/2019. The chase bank bounced the check on the customer and made the customer own the check fee. The second is the check should not be short the mortgage to the customer and should be accounted exactly by the chase-banking department. The customer has paid the balance in full on XXXX XX/XX/2019, customer got charged by Chase amount of XXXX $ do this day. The customer has called Chase bank to solve this matter ; Chase customer service told customer that it was their fault for chase bank bouncing the check after the balance is paid in full, customer was charged a check bound fee, chase bank is committing bank fraud. 

Chase bank told me that it does not refund check that bounce, when the Chase bank was responsible for stopping payment in the first place. 
Chase is committing bank fraud by charging the customer bank fee, without their consent and notification. 

Refund the customer XXXX $ for the XX/XX/2019 payment, which was charged by chase after the customer paid the balance in full. 
Refund the customer {$5.00} check bounce fee in the poor accounting case by chase.
Consumer complaint received 2023-06-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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
Consumer complaint received 2019-11-20
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. (GA)

Collection Item from XXXX XXXX under XXXX XXXX for {$4200.00} placed on my credit dated XX/XX/2019 that does not belong to me and no correspondence was sent to me to inform me of this prior to damaging my credit with this incorrect information. I have disputed it with the bureau and the collector and the collector has not responded and can not verify the information.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I applied for the income-driven repayment SAVE repayment plan through the studentaid.gov website on XX/XX/XXXX, the same day I applied for PSLF with my employer information. When I applied, it was estimated I would owe $ XXXX on the SAVE plan due to my previous tax information. At the time, my loan servicer was XXXX, who I have never had issues with. I then received notification my loans were being transferred to MOHELA. I began receiving different billing statements from MOHELA, one stating I owed {$350.00} on XX/XX/XXXX, and another stating I owed upwards of {$850.00} in XXXX of XXXX. I reapplied for SAVE on XX/XX/XXXX and XX/XX/XXXX after contacting studentaid.gov and being told they did not have any information and I would need to reach out to MOHELA. I was unable to contact MOHELA. I waited on hold for hours before having to hang up due to working. I sent an email and received notification back that I would hear back in two business days, but weeks later I still have not received a response. Finally, I called and waited on hold for upwards of two hours on XX/XX/XXXX and spoke to a MOHELA rep who told me my initial SAVE application from XXXX was probably " lost in the transfer '' and that it was good I resubmitted a SAVE application on XX/XX/XXXX. This rep told me it would only take 5-7 business days to process my SAVE application and I would not have to pay any of the payments I was billed for in XXXX. After XXXX business days went by with no notifications, I called and sat on hold with MOHELA for three hours to be told that it would actually take 90 days to process my SAVE application and I was already being auto-debited in the mean time for the {$350.00} bill. I asked if there was any way this could be cancelled due to this being an error on the part of MOHELA, and I was told that they didn't know. As a social worker new out of graduate school, this payment is not realistic for me. I feel as though MOHELA can not give me clear answers as to what happened to my original SAVE application and I am told conflicting information each time I call. Their mistakes are costing me money I do not have and I need clarification on where my loans are at. 

Update as of XX/XX/XXXX : Mohela told me they would place ALL of my loans in administrative forbearance while they attempt to process my resubmitted SAVE application. I received an email from studentaid.gov stating I missed a student loan payment, due to Mohela putting ALL BUT ONE of my loans in administrative forbearance without explanation, after I was told all of my loans would be in forbearance. This has very real and dire consequences on my life, my financial wellbeing, and my ability to remain in the PSLF program. This is completely unacceptable and this company 's errors are costing me everything.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (WA)

I phoned the company and told them the account was paid in full and that they were still reporting that I owed XXXX $ on my credit. I asked them to update their information to reflect account paid in full over 2 years ago and also sent two emails about the situation to no avail.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC. (CO)

I received an alert from a credit report stating I had potentially negative activity. After looking into it, I found an account from BC Services. I have never been contacted by BC Services, not by phone, email, or mail, so have no idea what this charge could be. I contacted the company that BC Services was supposedly collecting for, and they were able to tell me that my balance had been paid in full. Additionally, I do believe that by law, it is required to receive notice that debt is being transferred to a collector, which I never received. At this point, I was pretty sure this was at least an error, but gave them some benefit of the doubt. I called BC Services to solve the situation and they immediately asked for my social security number. I declined, and they claimed they were unable to help me as a result. Throughout the phone call spoke to 3 customer service agents each becoming more and more rude, providing me no information at all, eventually hanging up on me. At this point, I am fairly certain this is a scamming operation. Very perturbed that this has gone so far as to impact my credit score, especially after no communication whatsoever from " BC Services ''.