davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2023-06-05
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. (NC)

The following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the Federal Law. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (TX)

I contacted PNC Bank last month and set up 3 payments to get caught up and it was fine - everything was fine. Then PNC canceled the payments without telling me. They called me backed but did not leave a message. Then sent a demand letter this was weeks later. Then when I tried to call to send the payment they refused to take it. Now I have more fees and it is so unnecessary when I had set up to pay it in the first place and PNC is the one that canceled the payments - The loan is demanded for XX/XX/XXXX but they wont take the payment they agreed to take. It is not right and I don't know what to do I would like to pay what I owe in the payments like we agreed
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-08
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: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I got divorced XX/XX/XXXX. I was awarded the house in the divorce and immediately started the process to assume the mortgage with our lender, Chase, to remove my ex-husband 's name fro the loan. After a lengthy process, this was finalized in XX/XX/XXXX. A few weeks ago, I received a letter in the mail from XXXX XXXX stating that they had purchased my loan from Chase but Chase would remain as the servicer of the loan. This letter from XXXX XXXX has both my name as well as my ex-husband 's name on it. Concerned, I called Chase Mortgage on XX/XX/XXXX and was told that according to their records, I am the only owner. However, we called XXXX XXXX and they verified that their record lists two owners on the loan ( both me and my ex-husband ). I went into a local Chase Mortgage branch office ( XXXX XXXX XXXX XXXX XXXX ) the next day and spoke with an associate named XXXX and a manager named XXXX. They called into their mortgage department and was told that the issue was that my ex-husband 's name was still listed on the deed. They weren't sure why this wasn't dealt with when I assumed the loan, but that in order to fix it, I would need to fax a letter to Chase Mortgage, asking the to remove his name from the deed and then contact XXXX XXXX to get this corrected on the loan. I did this same day at their branch location and was promised a call back on Monday from XXXX. I received no call back so I called again on Tuesday. I have made many calls to XXXX at the branch office as well as the Chase Mortgage Executive Office ( where I was told me case was being handled ). XXXX isn't returning my calls and each time I call the Chase Mortgage executive office, I am told that the case manager assigned to my case, named XXXX, is not available but they will put in a callback request. I never get a call back. I've been given a case number of XXXX. In the meantime, I have gone online to the website for the XXXX County Clerks Office and located the request to have my ex-husband 's name from the deed, filed on the day of my divorce, XX/XX/XXXX. And now I remember my lawyer walking me to the clerk 's window to file this document and pay the fee on that day. So Chase 's explanation of that being the source of the issue is completely false. The simple truth is that they screwed  up by sending old information to XXXX XXXX when selling my mortgage to them and now they refuse to return my calls or make this right. I'm very concerned that this will cause major issues should I ever decide to sell the house and if I was to pass away, the bank would see my ex-husband as the owner of my house.
Consumer complaint received 2023-02-10
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
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. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one included deceptive language in the hope they would disqualify customers from a bonus for opening a savings account. " Deposit $ XXXXof external funds during theXXXX Initial Funding Period aft er opening your account ''
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is a {$2700.00} charge from XX/XX/2020 for an eviction from XXXX XXXX XXXX XXXX, XXXX XXXX PA ( XXXX XXXX XXXX XXXX ( XXXX ), currently XXXX XXXX XXXX. ) I have documentation from the district court that I was never evicted from this address. XXXX did not have me as a former tenant or evicted. XXXX at XXXX has authorized consent for you to reach out with any verification needed. I never lived here or rented from an apartment complex by this company. 

I believe this was a case of identity theft and it is an outstanding incomplete charge.
Consumer complaint received 2019-07-13
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: Experian Information Solutions Inc. (TX)

I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XX/XX/XXXX-XX/XX/XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.
Consumer complaint received 2019-07-13
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. (TX)

I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.
Consumer complaint received 2024-06-12
Product: Credit 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. (CO)

I signed up for a Chase XXXX Credit card with an offer I received on a XXXX XXXX flight for the United Explorer mileage plus credit card. The pamphlet said I would receive XXXX XXXX  when using a code in the pamphlet to sign up for this specific credit card, and then spend {$3000.00} within the first 3 months of opening the credit card. I signed up, was approved for this specific card and began using it. I called to make sure the code from XXXX was in there as I had to enter it in a weird place when I applied and wanted to ensure I received my XXXX points. I was told the code was not accepted and that I would only receive XXXX XXXX per the current promotion for that card. I explained about the pamphlet and the promise of XXXX points, not XXXX and they submitted my dispute. I then received a letter saying they would not credit my card with the additional XXXX points owed to me. I have repeatedly called Chase, who denies it is their issue, and they refer me to XXXX, who then says Chase has to do it. It has become an exhausting game of no one taking accountability and me still being owed XXXX XXXX. I have since exceeding the {$3000.00} spend within the first 3 months and they only gave me XXXX XXXX.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Upon review of my Credit Report I noticed company name : Portfolio Recovery has reported 3 collection accounts under my name. I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX  and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. This company also failed to validate this debt. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (DC)

On or around XX/XX/2018, Amsher Collections Services ( hereinafter " Amsher '' ) reported to the credit bureaus that I had an unpaid balance totaling {$550.00} from XXXX account. I contacted Amsher and advised that I never had service with XXXX and that I had been a victim of identity theft in the past and this appeared to be another fraudulent account. Amsher had no additional information other than XXXX confirmed the account belonged to an accounted holder with my name and date of birth but provided no confirming documentation. I have attempted to remove this derogatory mark from my credit report however the continues to appear on my XXXX  report. This is not my account, I do not owe any money to XXXX and/or Amsher and would like this to be permanently removed from my credit report.
Consumer complaint received 2019-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Card was used fraudulently to make purchases on XX/XX/2019. One charge was blocked automatically by card fraud detection, however, 3 other charges were allowed that were not authorized. 

A fraud claim was submitted for these 3 charges and a  temporary credit was applied, however, these charges were not approved and were put back on the account on XX/XX/2019 with explanation " - We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' As explained to company, the replacement card issued was never received and was likely stolen and used for these transactions. However, no these charges have not yet been credited and company appears to not have adequate security practices for replacement card use and makes fraud claims difficult to settle.
Consumer complaint received 2019-12-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERISAVE MORTGAGE CORPORATION (TX)

XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, I applied for an AmeriSave loan to refinance and cash out a loan on my home. One step to completing the loan application was to pay a {$500.00} fee, and I was led to believe by XXXX XXXX that this was to secure a locked rate. On XX/XX/XXXX, I was asked to provide bank statements to verify I have {$26000.00} in funds. I notified AmeriSave that we do not have the requested funds in our account. However, I became concerned about the lack of an appraisal on our home and inquired when the appraisal of my home would be done. 
On XX/XX/year>, a request to cancel this application was sent to AmeriSave due to the fact we would not be able to meet their demand. They are trying to say that no refund is due because I canceled the application. However, on XX/XX/year>, I received a voicemail from XXXX XXXX concerning the cancellation and I wanted to discuss a new program to save money. 
AmeriSaves attempt to run out the clock and not request an appraisal for our house to justify not refunding the {$500.00} appraisal fee we paid.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My information with Equifax has been breached I have attached the proof. Here is the written proof XXXX XXXX XXXX date opened was in XXXX There has been 6 hard inquires and I have not brought a car or house. I lived in georgia for 5 years the collection account does not belong to me from New Jersey. They refuse to delete this collection account. There are names XXXX XXXX dont know who that is. Please delete all negative remarks, inquiries, collections, addresses that are from XXXX XXXX and that are not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXmmediately as I was a victim of this data breach and several others.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

THE LAW OFFICE OF XXXX BLOOM & ASSOCIATES. A DEBT COLLECTOR LAW FIRM BASED IN TEXAS. 
THEY KEEP DIALING MY LANDLINE XXXX  REPEATEDLY, WITH TODAY 'S CALL PLACED AT XXXX XXXX! 

THEY REPEATEDLY KEEP CHANGING THE " NAMES OF '' PEOPLE. THEY'VE BEEN CALLING ME 19 TIMES WHICH IS NOW BEEN CONSIDERED AS HARASSMENT!

I'VE TOLD THEM MULTIPLE TIMES : THE PEOPLE THEY ARE LOOKING FOR : 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 WITH A CALL BACK AGAIN - ADVISING THEM TO STOP CALLING ME, NONE OF THE PEOPLE THEY ARE LOOKING FOR LIVE HERE! 
AND I'VE SPOKEN WITH " XXXX, XXXX, XXXX, XXXX '' ( IF THAT IS THEIR REAL NAME '' ) I CALLED USING THE IP RELAY ( DIFFERENT TELEPHONE NUMBER BECAUSE APPARENTLY THESE AIRHEADS CAN NOT UNDERSTAND ENGLISH! ) THEY WERE LOOKING FOR A XXXX XXXX AND THE LAST REP, SHE THEN SAYS WE'RE LOOKING FOR XXXX XXXX ( CHANGING THE SPELLING OF IT ) THEY ARE ABUSING AND MISUSING THEIR DEBT COLLECTION PRIVILEGES BY REPEATEDLY CALLING A LANDLINE XXXX TELEPHONE NUMBER WITH A LAUNDRY LIST OF PEOPLE TO HOPE THAT THEY WOULD HIT BULLS EYE! 

I HAVE BLOCKED THIS LAW FIRMS ' TELEPHONE NUMBER BUT THEY DERAIL IT. 
I'VE REPETITIOUSLY AND REPEATEDLY TOLD THEM TO STOP CALLING ME I REMINDED THEM THAT THEY ARE BREAKING THE FEDERAL LAW OF HARASSING AND ATTEMPTING TO SCAM A SENIOR CITIZEN, XXXX, HANDICAP WITH HOPES I WOULD PAY SOMEONE'S BILL! 

I DO NOT KNOW ANY OF THE PEOPLE THEY'VE LISTED! BUT I DID MY OWN RESEARCH AND FOUND OUT THEY'RE A DEBT COLLECTOR LAW FIRM IN TEXAS. PLEASE SEE TO IT THAT THEY ARE FINED AND I'VE ALREADY TOLD THEM 19 TIMES TO STOP CALLING ME!