davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (MA)

This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with XXXX, Equifax and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (CA)

I purchase a used vehicle XX/XX/2016 I was finance threw veros credit this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company veros credit after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. Veros credit then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX  that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is showing a inquiry on my Transunion report that isnt correct and was suppose to be removed but its still showing on my credit report inaccurately
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from 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
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in XX/XX/2017and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from 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
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 Chase closed my account. Without any notice. The letter I received stated that funds would be sent out within 10 days from that date. Please see letter. I received a call from a representative who said it was mailed out on the XX/XX/XXXX. As of the date of this complaint. I have not received funds from this account.
Consumer complaint received 2022-11-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lazega & Johanson LLC (GA)

Lazega & Johanson and XXXX XXXX XXXX impersonate being attorneys to using false affidavits to coerce me into paying a debt that was never validated and that I due not owe. 
I never contracted with Lazega & Johanson and XXXX XXXX XXXX to be sued. Lazega & Johanson along with XXXX XXXX XXXX violated both the Fair Debt Collection Practice Act and also The Truth In Lending Act. Lazega & Johanson and XXXX XXXX XXXX also violated The XXXX ( Filing Number XXXX ) they were not first in line.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (TX)

I tried to open BMO Elite Business Checking Account for my business following an online promotion : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX All the information was provided and all the documents about Business ( State of Texas certificate of formation and IRS EIN number allotment certificate ) had been uploaded. Next day I got this email : Hi XXXX, Youve started an application for a BMO Elite Business Checking Account for XXXX XXXX XXXX XXXX. 
To consider your application complete, the following items need to be uploaded for review. Please show us your most recent : - Business Registration Documents I called the following phone numbers : XXXX. 

Transferred around 4 times and then call getting disconnected after 1.5 hours. 

Then i called XXXX where I am being told that they can't get handle of my application even when I provide the reference # XXXX. I also sent an email to XXXX. I just wanted to know : What is missing or wrong? 

But more than 2 hours on the phone, nobody could provide that information. Called XXXX XXXX Central time and done around XXXX XXXX. 

There is no local branch where I can go. 
Phone banking wants to start this process all over again- which is significant waste of time to spell everything and I won't be getting the promotion. 

Sent messages to XXXX handle - same frustrating experience. 
It seems BMO harris has hired some really XXXX  people and left hand doesn't know what right hand is doing? 
Business customers like me want to open the account but very vague messages are being sent with no human touch which is very confusing and not at all helpful.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FinCo Services Inc DBA Current (NV)

I opened a checking account with Current a financial technology company, through their sponsor, XXXX XXXX. During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy.
Consumer complaint received 2019-10-15
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. (FL)

I sent two certified letters to TransUnion on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and TransUnion has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. TransUnion has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to TransUnion that these accounts are mine. According to the Fair Credit Reporting Act, if TransUnion can not provide proof of the debt to me, they must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.
Consumer complaint received 2019-10-15
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-15
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I have been in contact wity Experian to dispute items on my Credit Report within the last month. my disputed items we handled however they continue to provide false Information when I apply for credit and on their site when i log in IN their website to review the information. I've talked Top representatives about this and they have told me they cant see what I see or what the credit companies I applied to are seeing. today after i waa denied a credit increase i requested the reason. i also logged into Experian to look at my report, count my accounts and add up all my balances. the numbers i came up with are different than what is being reported. also the information from Experian to XXXX XXXX, per the XXXX XXXX representative determined the denial which was all inacurrate. i have a total of 30 + closed accounts that are paid as agreed. all were in good standing. My history is well over 15 years old. i hace 1 negative item thats 2 years old. 5-6 hard inquires, i have 6 open accounts all in good standing, never late, and my total usage is below 30 %. total credit {$10000.00}. credit used : {$2800.00}, Available credit {$7400.00}. Via Experian.com my total credit is XXXX, utilization is 33 %, credit debt {$3400.00}. XXXX XXXX said Experian reported this about my credit : Too few accounts paid aa agreed, credit score XXXX as of XX/XX/XXXX, XXXX, Ratio of revolving balances to credit limit is too high, Insuffient # of satisfactory accounts, length of time accounts established, 2 many inquiries. accordinf to my own review of my credit they are reporting inacurrate information causing my score to be low and credit denials.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (AZ)

This is a response to the company 's response to my first complaint XXXX. The company CACi seems unable or unwilling to send a document which might validate the account of which it is attempting to collect for " XXXX '' as you call it. I have no idea what this bill is about, what it involves, the circumstances of nor of an itemized statement for the original bill from XXXX. Please send an itemized or otherwise recognizable statement from the original creditor " XXXX '' of which I might compare to one that I might have.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

I made a transaction on paypal for a service using my credit card for {$120.00}. Transaction ID XXXX After payment, the merchant refused and broke the terms of the agreement. I asked for a refund and the merchant refused. I contacted paypal and my creditcard company to file a dispute immediately. Paypal upon hearing that i made a dispute with my credit card company stopped resolution and stated that they would only expediate the case if i canceled my dispute with my credit card company. A blatant form of blackmail from paypal.
Consumer complaint received 2024-03-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (NJ)

My original dispute was not handled as promised by the Company " NationStar/Mr Cooper dba Rushmore Servicing ''. Original Complaint # XXXX was filed for XXXX reasons : XXXX. Account should have been marked as " Paid in Full '' XXXX. There should not be any delinquent payments because the Loan was Closed on XXXX XXXX. 
According to XXXX, they keep getting different misleading information from Rushmore. They have received information that Rushmore has Closed the Account, but the late day payment for XXXX still remains?! Several XXXX XXXX advised me that Rushmore did not remove the XXXX XX/XX/2024 payment, despite their letter stating that they will or have already done that. XXXX said that only Rushmore can fix this! My score is back down to XXXX because of this. I have a very important large purchase to make and I can't until my score is back to XXXX which reflects my financial responsibility. Please fix it ASAP!
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Company called while I was working and refuses to communicate unless I revealed personal information including SSN info. I refused to comply with that request but I called back to make sure I was speaking to a real rep. Unfortunately at this point I was hung up on. I called back and asked a gentleman for help and he raised his voice and yelled over me ... twice. Then he hung up. I called back and spoke to a female CSR and she also hung up on me after " reviewing '' my file. At this point, I think they were just running some kind of scam, since only a lack of oversite and leadership allows this unprofessional behavior but they did give a real business name, CBS Collections. 

No information about the " debt '' was ever discussed or disseminated.
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have been paying on a student loan for over a decade and my balance is more than the amount first borrowed. Although during the time of repayments I had periods of unemployment, I have made payments while employed. I have all intentions of repayments but I have not made a dent on the balance. This was my first and only student loan and I was not very well versed. I do not believe I was fully informed of the repayment options nor was I ever alerted on renewal notifications on by payment options. When I review my account with the servicing company ( Navient, the loan originated with Salli May ), the amount applied to the loan principal has been little as XXXX cents at times. I just feel that I'm paying a " Loan Shark '', since my balance is more now then the original amount. I have worked for non-profit organizations, public state organizations and higher education of over ten years. I asked about loan forgiveness, regarding employment with non-profit and education, and was told that my loan was not eligible. I'm a veteran with a 70 % service  connected XXXX and XXXX years old. I fear that my current XXXX, may result in working part time in the not to distant further. Any advise and guidance will be greatly appreciated.
Consumer complaint received 2019-10-15
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have requested mortgage assistance with my servicer Select Port Folio, my request is being processed. Received letter from foreclosure attorney dated XXXX XXXX XXXX XXXX stating a property foreclosure sale is set for XXXX. State of Tennessee requires the homeowner to receive notice of foreclosure sale 30 days prior to the sale date per Tennessee Code Annotated. Didn't receive letter until XXXX that is not the required 30 day notice. Did not received letter stating the mortgage debt is being accelerated from my mortgage company or the amount of the mortgage debt. from mortgage company or foreclosure attorney. Select Port Folio sent me correspondence stating a property foreclosure sale WOULD NOT be set for my home while they were processing my request for mortgage modification. 

Please Help See Attachments
Consumer complaint received 2022-01-25
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. (VA)

In XXXX XXXX XXXX Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank you!
Consumer complaint received 2022-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

We officially filed a complaint and thought it was resolved permanently. I was finally able to make a payment in XXXX. Then XXXX rolls around and I am getting the same calls stating high debt, were delinquent and we need to call. I have proof our last complaint was excepted. They did not correct their system therefore we cant make a payment for XXXX. Tomorrow is officially XXXX so we will be marked behind, have to talk alternate solutions and this is creating severe anxiety for me. I have left several messages for XXXX XXXX to return my call and have documents of days and days of emails and calls with no solution. Supervisors are being asked to turn on a button and they wont. I feel this is becoming out of our hands I am requesting legal support and help at this time. We want the payment button on asap and a personal call stating the issue has been permanently resolved. I dont want to be charged late fees, have my XXXX XXXX dinged and I want the company to honor the modification deal as previously stated they would in the last investigation. I also want written response to my legal choices if we pursue a claim against Right Path. We also need to figure out a fair requirement on how I proceed to make any payments held up due to your technical error of a button not working. This is the companys fault once again and they need to be held liable.