davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
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. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

I opened a checking account with Chase Bank because they sent me advertisements telling they would give a {$200.00} bonus if I opened a checking account and moved a direct deposit over for {$500.00} or more. I funded the account on XX/XX/XXXX and had my employer start depositing {$500.00} per pay check. The first payroll went in on XX/XX/XXXX. The original solicitation stated the bonus would not be paid until 10 business days after direct deposit. Today my 3rd direct deposit was funded and I still have not received the bonus. I called and talked to a representative and then a supervisor today asking when the bonus would be given. They said the coupon code was not properly applied and they would not honor the promotion. I did what was requested to open the account. I maintained the {$1500.00} minimum balance before and even after my direct deposit was sent over. I brought my direct deposit over. They should have to honor the solicitation then advertised, I literally clicked the link and opened the account. There technology issue should not absolve them from the incentive they promised.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I am a XXXX XXXX who was injured while working on the job. Upon my injury on XX/XX/XXXX, I have suffered financial hardships. I am a single father of XXXX children and I have been unemployed, had a reduction in income, due to my injury and illness. I had to file a Chapter XXXX Bankruptcy on last XX/XX/XXXX. Recently, however, I voluntarily dismissed the Bankruptcy because my circumstances became better. When the bank/lender ( Bayview Mortgage ) discovered that I was no longer protected by the Chapter XXXX Bankruptcy, they immediately filed to have a foreclosure/auction date for XX/XX/XXXX. 

Although, I am very hopeful that Bayview Mortgage will work with me on a loan modification so my children and I can stay in our home. A few years ago, they gave me a loan modification, but I lost my job, after I was approved. 

Thank you for assisting me in this matter.
Consumer complaint received 2020-02-05
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. (AL)

A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified XXXX  and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by XXXX  stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was targeted via mail for a Bank of America {$300.00} account opening along with an extra {$50.00} if I opened at a BoA branch if I made {$4000.00} in deposits within 90 days of account opening. On XX/XX/2019 I went into a BoA branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) and opened an account with XXXX, who confirmed that my bonus promo number was applied to my account and I should be receiving the {$350.00} once I hit the qualified deposits requirements. By the end of XX/XX/2019, I had deposited {$4600.00} ( verified by BoA bank statements with all deposits coming from my employer ). At the time, I knew the bonus would not be posted to my account until 60 days. It is now mid-XXXX  and my {$350.00} has yet to be posted to my account. Ive tried contacting BoA but they have been unable to assist me.
Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have an FHA insured mortgage. The loan is currently being serviced by PennyMac. I have an impound account with the loan in which MIP is paid monthly along with principle, interest, taxes and insurance. I am trying to refinance that loan into a conventional mortgage with a local credit union. In the payoff demand statement dated XX/XX/2020 PennyMac is asking for a Pro Rata MIP of {$1000.00}. After I complained to them and my new prospective lender they responded to a new demand letter with a reduced amount for this item. I don't think that any " Pro Rata MIP '' is valid. If it were valid why did they reduce the amount when I complained? They also sent me a partial refund of my impound account without having paid the second installment of my property taxes. Aren't they obligated to pay these taxes when they are due if they are collecting money monthly for this purpose? I feel that this refund is a distraction in order to overcharge me on the loan payoff and possibly even keep the remaining balance that is in the impound account. My mortgage refinancing is being held hostage and I am appealing for your assistance in resolving this matter.
Consumer complaint received 2022-08-18
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'm currently having an issue with Transunion, XXXX and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-Members XXXX XXXX XXXX acct no. XXXX -Members XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ACCT NO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX These companies listed above are violating my rights as a consumer.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Consumer complaint received 2019-09-17
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. (UT)

XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MS)

I have an account with CASH APP. The phone number and the bank account associated with said account is no longer available to use to log into that account as I got a new number and new bank account. Cash app is refusing me to use my Government issued ID to prove who I am. All my information matches said account and where they sent my cash card. I also have social security card and tax returns also. I have XXXX dollars in said account that I worked hard for. Cash app website claims I can use that as a dorm of identification. Two mangers have refused to tell me why they aren't accepting what their company policy states. I really need this money to feed my kids. Any and all help is appreciated. I also have a list of others that Cash App is doing this to. This company needs to be investigated for a scam.
Consumer complaint received 2020-02-07
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. (OH)

XXXX  ; XXXX  and Transunion  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/2020 I applied for and submitted all required financial documents for a new {$100000.00} JP Morgan Chase Bank, N.A. HELOC to full pay an old JP Morgan Chase Bank, N.A. HELOC. 

In XX/XX/2020 I was denied the new {$100000.00} JP Morgan Chase Bank, N.A. HELOC solely on credit agency ( s ) information.

I discussed this matter with a JP Morgan Chase Bank, N.A. HELOC Originator and was told that J P Morgan Chase Bank, N.A. HELOC Department do not have and Appeal Process and that I can not discuss this matter with the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter. I was told that the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter will contact me within seven ( 7 ) days to discuss this matter further.

To date, the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter has not called me to discuss this matter or requested any additional records or documents. 

The JP Morgan Chase Bank, Loan Underwriter made the denial decision based " SOLELY '' on my current debt to income ratio as currently reported by a credit agency.

The JP Morgan Chase Bank, N.A. HELOC Loan Underwriter did not consider my projected debt to income ratio based on the new JP Morgan Chase Bank HELOC full paying in old JP Morgan Chase Bank, N.A. HELOC and other unsecured debts.

As such, I am being penalized by being locked in an old JP Morgan Chase Bank, N.A. HELOC, JP Morgan Chase Bank will not reduce my monthly payment based on the remaining balance owed and I must pay a high monthly payment and I am paying higher than today 's rates interest rates.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (VA)

I submitted a complaint to Experian concerning XXXX XXXX XXXX XXXX   reporting my payments as being late, when I had actually submitted payments in the old amount. At no time was I ever late, since the payments are automatic. I didn't realize I had a problem until it was too late, since I was not opening mail on a regular basis due to COVID concerns. I filed a complaint in early XXXX, and Experian closed it out today ( XXXX XXXX XXXX with my payment history updated from XXXX, nothing else was done. Why even have a complaint system if you do not even address the issue? The outcome would have been the same had I not even submitted the complaint.
Consumer complaint received 2020-02-07
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. (OH)

Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (TX)

I reported to XXXX XXXX and Experian that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after XXXX, XXXX, XXXX.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NY)

on XX/XX/XXXX I purchased a poster from XXXX XXXX XXXX XXXX On XX/XX/XXXX I received a call asking if I wanted any other services from them, and I politely declined. They sent me a bill, without any real confirmation, and have been calling me constantly ever since. I have now received a message on XX/XX/XXXX from Receivable Management Services LLC, a debt collection agency, so they're really pursuing this relatively small sum of money. I'm not interested in being bullied to pay for this useless " virtual service '' that I never used or asked for.
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (GA)

I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - Equifax XX/XX/2020 - XXXX  & XXXX XX/XX/2020 - XXXX & XXXX & Equifax XX/XX/2020 - Equifax XX/XX/2020 - XXXX & XXXX XX/XX/2020 - XXXX & Equifax XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XX/XX/2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. 

Capital One Auto acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have tried repeatedly all of XX/XX/XXXXto correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, Experian, and XXXX  as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and Experian websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. Experian stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX  dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXXthru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Consumer complaint received 2022-08-18
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX