davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-07-24
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. (FL)

I CONTACTED TRANS UNION AND THE STATED THEY CAN NOT FIX THE FACT THAT EVEN MY OLDEST ACCOUNT IS 20 YEARS OLD AND  APPEARED 11 YEARS CAN NOT DO NOTHING. THEREFORE I NEED ASSISTANCE TO MAKE IT AS IS SUPPOSED TO SHOW 20 YEARS. 

THANKS XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

This company XXXX XXXX has purchased a debt from XXXX/XXXX. The company sent the debt information to me and it does not have my signature and it was originated from a unknown address. I want XXXX to stop verifying the debt as mine, I am disputing this debt and they continue to verify the debt is mine, provide my signature for the debt or delete it from my profile. XXXX   credit card account ending with the number XXXX.
Consumer complaint received 2019-07-24
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. (MT)

I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old.  My other concern are hard hit inquiries that I don't recall authorizing. 

Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX
Consumer complaint received 2022-10-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2022-10-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OK)

I opened an account with Best Buy at their urging to get a rebate. When I tried to claim the rebate, it was not available. They apparently checked a box that said they could neither call or mail me about a balance due. I received no invoice on the account and thought it was paid in full. I closed the account on XX/XX/2019. On XX/XX/2019, I received a letter demanding payment of an account that was 159 days past due despite having never received an invoice. They advised they sent me an email saying I could go to the Best Buy Visa Citi website to view my bill. I never received this. They told me my {$3500.00} bill was now {$4200.00} and they could waive only one month of late fees. Or, I could compromise the bill with {$2100.00} and they would report to the credit bureau I could not pay my bills. I told them I would pay the full amount for the invoice but not late fees as I did not receive an invoice. They said that was not an option. They also said to call me I would have to agree to have my cell phone number used for their partner sales calls as well. So, Best Buy committed fraud with the rebate offer which was fraudulent and Citi VISA in not providing me a bill and then offering as an option either a bad credit report or an high late charge ( {$700.00} ). Neither is an acceptable option.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I informed Chase Bank on XX/XX/XXXX that I noticed fraudulent activity in my checking account via ATM withdrawals sporadically beginning in Mid XX/XX/XXXX, through to early XX/XX/XXXX. There were 9, {$80.00} dollar withdrawals in the total amount of {$720.00}. I noticed this fraudulent activity after seeing ATM withdrawals pending in my account that I had not taken part in. I called Chase right away and notified them of this. 

They temporarily refunded me while they " investigated the issue. '' One month later the {$720.00} in funds were taken out of my account again by Chase because they said that the fraudulent charges were justified, ie they said that the withdrawals were made by me because the card and pin were present and that the withdrawals were made in my " general geographic area '' ( withdrawals that occurred sometimes on the same day, one in XXXX XXXX, XXXX and one in XXXX XXXX, XXXX  ). They said I could have given someone my card to use at the ATM, which is a mind-bogglingly offensive accusation. I submitted 26 pages of paperwork to Chase to prove my whereabouts on these days, copies of text messages, proof of documents I was at work, and correspondence with coworkers of my whereabouts. I also filed a police report. When at the police station they explained that is very common for a card number and pin to be pulled and used at ATM locations. In fact, I was the 3rd person that day to make that type of police report. 

After submitting all of my paperwork, Chase responded to me again in saying that they think all of the charges were justified and will not refund me the {$720.00} that was taken from me. I am currently in the process of closing all of my accounts with Chase as I am horrified they think that they can take advantage of me in this way. I would love to know what their investigation team consists of, and I know now they obviously never make use of the cameras on their ATMs. I am horrified to know how unsafe my money has been these 10 years as I have had an IRA, checking, savings, and credit card all with Chase. I hope this can somehow shed light on how horrendous Chase treats their customers, and prevent this from happening to someone else. I am spreading the word in any way that I can that Chase cares nothing about the people who have their money at their establishment, people who just want to have their money be kept safe.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

My account was closed all of a sudden because they saw I added a new card and transferred money into my account. I always transfer money into this account so I can pay rent and it is always the same amount around {$300.00} dollars. They closed my account without any warning which caused my rent payment to not go through and I almost got kicked out of my apartment. When I asked them why they said they needed documentation that the deposits were intended for me which I gave them and they said they would get back to me. Weeks later every time I ask them for an update they tell me to send the documentation over again and nothing has been done. There is also no number to contact the review team since they work only though email.
Consumer complaint received 2018-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both XXXX   and Equifax.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I have made three written requests to cancel PMI, dating back to late 2017. I am entitled to have PMI removed. Nevertheless, LoanCare is continuing to wrongfully charge me PMI every month.

According to LoanCare 's website : " If you have a good payment history, you may request cancellation of your PMI on or after the date the principal balance of your loan : ( 1 ) Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ). ( 2 ) Actually reaches 80 % of the original value of the property. '' I first qualified for cancellation of PMI ( and requested cancellation of PMI ) based on the above in late 2017. Nevertheless, LoanCare is still charging me {$36.00} each month for PMI. LoanCare ignores my messages.
Consumer complaint received 2022-10-06
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. (FL)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, we received our annual Escrow Statement from Mr. Cooper. It reflected a deficit of {$830.00} which resulted in an increase in monthly Escrow payments of {$91.00}. In turn, this would increase our monthly mortgage payment from {$1500.00} to {$1600.00}. 

However, at the time of this Escrow Statement, we were also behind by two monthly payments. On XX/XX/XXXX, we made those two monthly payments bringing our account to 100 % fully current. Our Escrow Account was then brought from a deficit of {$830.00} to a surplus of {$390.00}. Due to this being before the end of the year, we promptly requested, in writing, an Escrow Account recalculation from Mr. Cooper to reflect this change as now there wasn't a need for our monthly to increase as we were no longer in a large deficit but in a surplus. 

The Escrow Statement we received from them clearly states, " The shortage amount listed assumes there are no outstanding payments owed. If you have past due amounts, please sign in to your account at www.mrcooper.com for the correct amount. '' At that time when we were behind by two payments, this of course applied to us. When I logged into my account, the amount was exactly the same. Mr. Cooper literally is playing games at this point. Nowhere did it ever show an Escrow Balance projecting what my account would look like if my account were not behind payments, like this statement suggests. How is this legal? 

XX/XX/XXXX we receive a response from Mr. Cooper acknowledging us and stating they need more time. 

Today, XX/XX/XXXX, we receive a long response that is nothing short of pure stupidity. The beginning explains what an Escrow Account is and what causes a shortage as if I haven't had a mortgage and Escrow Account before. Really? 

However, it goes on with this : " Due to changes in tax and insurance premiums, Mr. Cooper completes an analysis each year to ensure that your escrow account is funded correctly and adjusts your monthly payment accordingly. Because your escrow account has less money than needed, there is a shortage of {$830.00}. Due to this shortage and changes in your taxes and insurance premiums, your monthly escrow payment will increase by {$91.00}. Your current escrow balance is {$390.00}. 

You may deposit the escrow shortage in full. Upon receipt of this deposit, your shortage and monthly payment will be adjusted accordingly. '' My Escrow account was - $ XXXX at the time of the analysis which resulted in this. Making my two monthly payments resulted in the surplus of {$390.00}. Whoever responded to my request literally took the information from my old Escrow Statement and combined it with my current balance without recalculation. 

So here I am, requesting once again that someone from Mr. Cooper recalculate our Escrow Account with the SURPLUS amount of {$390.00} and not the - $ XXXX it was on XX/XX/XXXX when we were behind two mortgage payments. The deficit of {$830.00} will no longer exist.
Consumer complaint received 2018-06-26
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)

I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. 
This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report. Written confirmation of the removal and updated credit reports reflecting the correction. XXXX of ongoing monitoring and protection against future instances of fraud or identity theft. I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Aldridge PIte Haan, LLP (GA)

Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named XXXX XXXX XXXX XXXX. This company legal team named Aldridge PIte Haan LLP are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC (MA)

borrower requested refund of overpayment equal to 5 payments .that account is due for 2020.refunding this amounts are borrowers own money and a credit, it was  denied without reason by XXXX at marlette funding and XXXX XXXX at marlette
Consumer complaint received 2022-10-06
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)

I submitted a dispute with TransUnion in regards to XXXX and their current reporting of my having a delinquent loan with them. TransUnion is the only credit reporting agency that is reporting this loan, as it is illegal and predatory in nature. They did not investigate. Their only response was " creditor disagrees. '' It remains on my TransUnion credit report, affecting that score. 

XXXX was sent a letter of ACH authorization revocation on XX/XX/22. It had come to my attention at that time that not only were they not licensed to supply loans in the state of Michigan, they were also in violation of state laws in regards to maximum loan amount, loan term, and maximum finance rate and fees. I have paid over {$3400.00} on a {$2000.00} loan, yet my balance on the loan is still well over {$2300.00}. How is this possible? However, they are continuing to report to TransUnion that I'm " late '' on payments. 

TransUnion clearly did not truly investigate my online dispute. Since that time, I have filed a paper complain via the mail, along with documentation, and I am hoping that they will do a better job this next time around.
Consumer complaint received 2019-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I sent a letter to Bank of America to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Bank of America to pull my credit on XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of XX/XX/XXXX
Consumer complaint received 2019-07-24
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)

I have ask Equifax, XXXX and XXXX XXXX to investigate medical collections I  have on my credit report. I haven't been to the hospital since youth and someone has compromised my identity to get medical assistance. The accounts are XXXX {$220.00} opened on XX/XX/XXXX and XXXX XXXX  for {$270.00} which are 2 separate collects which I think are duplicates, open on XX/XX/XXXX and XX/XX/XXXX. I need these accounts removed from my reports immediately as I am trying to purchase a home an this is hindering me from doing so.
Consumer complaint received 2022-12-02
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. (IL)

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX