davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (TX)

On Tuesday, XX/XX/2019, at XXXX PM I contacted Ford Credit customer service in regards to a hardship I am having with paying for my vehicle. Financially, I am unable to make the payments set at the current rate, and asked Ford Credit for options to manage this loss. The first representative offered a resolve to possibly re-write the contract for a longer term, with a lower monthly payment to which we agreed I could afford. After running the process, I was denied a contract re-write for the reasoning that I am not far along enough into the contract to grant a longer term with lower payments. After stating that I have no other options, the representative offered alternative solutions that were not helpful. 1. I could find a friend or family member to take the contract. 2. I can pay a sum of {$5000.00} to lower the loan balance, then I could possibly be granted a re-write. Or 3. I can work with the dealership that originally sold me the car to get into a different vehicle with lower monthly payments. All three of these options are not possible as I have already expressed them, and sought help from Ford Credit as a last resort. When I stated that I considered the possibility of bankruptcy, and asked if I would still be pursued for this debt after doing so, the representative stated that I or the co-signer would still be pursued for the debt. I then requested to speak with a manager to see if they could help come to a resolution with the problem. The manager stated the same options as the initial representative, and had no solution. I then asked to speak with their manager. I was placed on hold for more than 10 minutes, during which I had to leave the call, as it had been 1 hour and 2 minutes into the call, and I had to care for a family member. After being on the phone for that long, it is frustrating to not receive any sort of helpful resolution from the financial institution while still getting a survey asking about how my experience went.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

On the XXXX I was charged XXXX by XXXX XXXX. I did make a purchase at XXXX XXXX before the XXXX for a total of less than XXXX $ and believe my card information had been taken from XXXX XXXX  to be used for an unauthorized transaction on the XXXX. I called XXXX XXXX  to let them know of the unauthorized transaction and was told to call my bank. I got credit for the purchase but on the XXXX XXXX my bank PNC denied my fraud request and debited the XXXX to my account with no recovery of my lost money.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

After reporting all three credit bureaus to the Consumer Finance Protection board for reporting judgements, liens, and public records on my credit report in XXXX and XXXX they removed the items from my credit report, 2 yrs later the credit bureau XXXX put the judgements, and liens back on my credit report when I failed to monitor it, there are 2 tax liens for {$17000.00} from XXXX XXXX and {$17.00}, XXXX from XXXX XXXX that was reported by the internal revenue service, I sent the tax lien arrearage slips to the credit bureaus, and they removed them, and XXXX blocked me from entering the website, and started reporting a whole bunch of judgements, and tax lien, equifax has a paid off child support account theat they have not removed after 13 yrs they need to delete it, when they garnished my stimulus check, these credit bureaus are negligently reporting judgments and liens and is showing up on my credit as federal tax liens, I have submitted the judgements and tax liens as evidence that they are in violation of the FCRA. They need to delete these items from my credit report as they are private. XXXX, and XXXX, is reporting judgements/public records by XXXX court, when they are not supposed to, there is a XXXX XXXX XXXX XXXX account on my credit report for {$6700.00} that is an eviction judgement. The judgement is a court order and is not supposed to be reported on XXXX and XXXX are not supposed to be reporting it, 2 accounts for XXXX XXXX or XXXX XXXX XXXX, I signed no contract with that creditor so I don't owe anything to them, the bureaus are not supposed to be reporting it either there was no verbal, or written contract between XXXX to collect the debt that is now time barred XXXX XXXX XXXX had to remove the debt from my credit report so they sold it to XXXX XXXX without any 5 day notice or 30 day notice nor contract, XXXX XXXX took it upon themselves to try to report to the bureaus, if I have signed no contract or notice they are by law supposed to remove those accounts. They are also putting duplicate accounts on my credit report the bureaus do this purposely to drive the score down further
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (NC)

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX card XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019. XXXX did not seek my approval prior to doing a credit check when I called to inquire about my recent application. going forward, these unauthorized credit inquiries will make me appear to be a desperate consumer and will make me completely ineligible to be extended credit. Furthermore, recent inquiries will cause a significant drop in my credit score that will be almost impossible to recover from in the near future.
Consumer complaint received 2019-10-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Good Evening, My Name is XXXX XXXX, I would like to file a compliant against CHASE. I've tried numerous times from getting denied for a modification to trying to sell my home. Chase has blocked my efforts at every turn. I have a 3 family property and because I am in default due to non paying tenants. Chase has denied me numerous times for a short sale and keeps saying HUD is denying it based that I was not supposed to rent out my property. This is absurd this is a legal 3 family, this is how I qualified for this house in the first place by the rental income this property was generating and now HUD is denying me a chance to sell my home at a short sale because I rented this property out years ago? 

I am asking for some help here. I had my realtor reach out to them again today and I am going to resubmit a short sale package for the 8th time. IN the hopes with your intervention I can finally get approved for a short sale and I can move forward with my life after this sale is over. 

Regards XXXX XXXX.
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sirs, I was XXXX less than one year ago. About one week into my 11 day stay, I was approached by a man that said his bonds person will bond me out. I released my Bank of America debit card to his bonds person. The following evening when I was not released, he said it was because it was Sunday. The following day when I was not released, he said he needed the zip code to my debit card account. The next day when I was not released, I asked to speak with an officer and he cancelled all actions. A few days later I was bonded out by my employer. I immediately checked my bank account and it was emptied. There was a {$720.00} credit posted to my Bank of America checking account which taken back the following month. A Bank of America representative said there was nothing unusual about the transactions. I did exactly what Bank of America required and I filed a police report with a XXXX County officer. Do we not have cameras that record transactions? Are not cases involving fraud federally insured? How can we make the man and his friends repay the money him and his friends stole from me and the bank? What about my time filing a police report with a police officer? What do you think should be done in this situation? Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-07-16
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. (GA)

To Whomever This May Concern : My patience is getting very thin with Equifax. To the point where I am about to retain an attorney. A XXXX called me on XX/XX/19 at XXXX pm. She told me that the inquiries in the attached document would not be removed, even though Equifax stated that they would. That is unacceptable and I have the ammunition to sue because they removed them and then added them back on. I need those inquiries in the attachment to be removed asap. I have sent over information and identity theft affidavits verifying identity fraud and now Equifax decides that they are going to add information back on to my report without my permission after they said they would remove it and they put it in writing. I don't think so. I am giving them one more chance to fix this before I exercise my rights to file a lawsuit.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I 've been trying to get TransUnion to remove the public record on my account removed because they ca n't verify the address. The XXXX issue is was whenfinished their initial investigation and I requested a re-investigation. I then requested the manner in which they verified, name of business, person they spoke to, phone number and address. According to FCRA 609 ( a ) ( XXXX ), they had XXXX days to comply, to which they did not. After some time and a few investigations later I requested for them to verify the address, after I already researched the case number and found the address is bit mine and therefore ca n't be verified. When I asked a person on the phone how the verified the bankruptcy and they told me they called the court and verified all the information which we both know the courts do not share info with the CRAS, done third party company does. They led already now they continue to carry out actions to support their immoral and unjust behaviors. Please remind them of my rights as a consumer and push them to remove this Public Record. live already cost me XXXX of dollars due to the interest-rate on my house in my car and I am not willing to go any further with this incorrect information on my file. If they do n't remove this I 'm going to be forced to take them to small claims to recover the monies this debacle is choosing me. Thank you very much and XXXX bless you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

XXXX has once again reported a criminal history that was expunged over 11 years ago. This is not the first instance where this erroneous reporting has occurred, leading to a denial on a prior application. Such inaccuracies have caused embarrassment and led to unfair judgment. I demand the immediate removal of this information, or I will pursue legal action against the company. ''
Consumer complaint received 2022-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Mu name is XXXX XXXX XXXX XXXX I am A living breathing human and I AM PERSONALLY WRITING THIS COMPLAINT AS IT IS MY RIGHT TO DO SO, THAT RIGHT BEING AFFORDED TO ME BY SEVERAL PIECES OF LEGESLATIVE Acts being FCRA, FACTS Act, as well as the XXXX XXXX Consumer protetctions act I am writing today witha complaint against experian credit reporting agency.On XX/XX/XXXX I lodged complaint number ( XXXX ) against experian and on XX/XX/XXXX I lodges another complaint against experian. The complaints were lodged on the cfpb platform where consumers file their complaints or problems with various either data furnishers or credit reporting bureau's.In the matter of each complaint experian acknowledges reciept of the complaint as well as giving an interim responce .In the Fcra it clearly states that a credit bureau may take up to XXXX day while in certain. Circumstances may request an additional XXXX days to finish their investigation or theor reinvestigation .The fcra is a set of laws said to govern all data furnishers and credit reporting agencies and its laws are to be followed to the letter, without exception both of the previously mentioned complaints are passed the XXXXday and rhe XXXX additional expiration dates for completion, there fore I ask for the immediate removal of the account in question on both complaints, the feca does not mention XXXX days for an an investigation it allows maximum of XXXX .please have Experian delete the account on each delete immediately or please hold the in violation of the fcra thank you for your time and I hope that this does not drag out any further my next step is to also launch an ftc investigation on why this account has not been deleted despite it expiration date being clearly overdue on the cfpb website any way thanks again and please enforce
Consumer complaint received 2019-01-22
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: GREAT LAKES (NV)

The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded Great Lakes to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to Great Lakes via email to fix the error. Great Lakes is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while XXXX XXXX and XXXX  has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was Great Lakes about to verify with XXXX XXXX and XXXX  but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.
Consumer complaint received 2023-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was sued in court by Portfilio Recovery stating i owed a debt to them i do not owe, I even went as far as trying to just pay it so they would stop hurting my credit, I requested a letter from them stating if i paid it theu would remove it from my credit and they refused.
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

I applied for a remote job with a company called XXXX XXXX with data entry position. They interviewed me and went through all the processes like when you apply for a job. After they accepted me they told me they will send me a check to buy equipment through their vendor! They sent me XXXX checks XXXX of the checks amounted to around XXXX dollars after I deposit the balance can not available right away, they said I can zelle their money after the balance was available which I did Zelle their money when the balance of the check went through. After a few days, the check bounced back because it was not clear, fake, ide not have enough balance
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (DC)

I submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2023-03-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

The financial aid disbursement was deposited into bank mobile vibe account in mid XXXX XXXX funds were on hold due to identity theft, and I went through all the necessary steps to clear the hold and now they have no record of that financially dispersants being deposited into the account. they promise provisional credits, and I never receive those. Its now been over 45 days. They still arent cooperating following or following their regulations. I have yet to see a deposit, and I am going to fail my classes. It doesnt seem like its a priority to them. Theyre unprofessional the way that they answered the phone and the way that they and the way that they talk to me is extremely rude.
Consumer complaint received 2023-03-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

The following hard inquiries should be deleted. Inquiries : XXXXXXXX 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 2019-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I reviewed my credit reports and noticed an erroneous/ fraudulent account being reported by Diversified Consultants, Inc.to the Credit Bureaus. I have never done any business with Diversified Consultants , Inc and this presented red flags. I immediately sent dispute letter via certified mail and delivered on XX/XX/XXXX, tracking # XXXX requesting VALIDATION of the debt. I requested Diversified Consultants, Inc to provide copies or any papers with they're name showing that I did any business with them and that I AGREED to pay what they say I owe per the Fair Debt Collection Practices Act. I received a response from Diversified Consultants, Inc claiming to represent XXXX and that I owe them {$1800.00}. In their response they claim the original creditor is XXXX and attached an account summary with the alleged charges which they claim provides verification of a debt. I have never ever done any kind business with Diversified Consultants , Inc . Anyone can type up a fake statement and put they're name on it and call it proof. I am requesting a signed contract proving I agreed to pay or agreeing to enter into a contract with Diversified Consultants , Inc . I have no problem making this a legal matter but would rather this get resolved outside of court. To this date XX/XX/XXXX they have not provided any proof and NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe { {$1800.00} }. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. Please see attached files of my certified letter requesting verification/validation of debt per the Fair Debt Collections Act to Diversified Consultants, Inc
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.