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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605 b, I have reported the incident to the Federal Trade Commission ( FTC ). According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. 

The plan was always to improve the subject property and I was specifically told by my lender , XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. 

Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than XXXX years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. 

As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original lender XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. 

The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. 

For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan.
Consumer complaint received 2022-10-05
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX  : # : XXXX, XXXX : XXXX : XXXX, have violated my rights. 



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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
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. (FL)

Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX )
Consumer complaint received 2019-07-26
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. (FL)

Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2018-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX My mortage loan number is : XXXX with wells fargo home mortgage. I made 2 mortgage payments on XX/XX/2018, payments were processed at the Wells Fargo Branch. I have spent almost 3 months trying to get both mortgage payments applied to my mortgage balance. 

Wells Fargo has now transferred my mortgage to a debt collections agency called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me 3 times on XX/XX/2018 for the puropose of collection a delinguent debt. XX/XX/2018 & XX/XX/2018 I received in the mail a mortgage default/foreclosure notice from XXXX XXXX XXXX. 

Wells Fargo cant seem to get my 2 missing payments applied to my mortgage balance and has now transfferred my mortgage to a debt collections agency. I have lost a great deal of sleep and personal time and effort with providng bank statements, cancelled checks and numerous phone calls daily in an effort to get this correct. Now my house is in defualt and possible foreclusre as a result of Wells Fargo errors.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

There appears to have been some sort of glitch on the Company 's part whereby I'm being charged for funds returned to sender that were never actually credited to my account. 

They're calling this a " Payment Correction '', which is showing as a charge. 

They're claiming that because funds were returned to sender the " Correction '' merely reflects that funds came in, we're credited to my account, and then returned, hence the correction. 

However, if it were actually a correction, the net result would be zero, with no charge to me. This is not the case. 

To me the correction is showing up as a charge because the funds were never actually credited to my account. The sender itself acknowledged to me -- and I shared this documented acknowledgement with the Company -- that the balance transfer never went through because " the check was never cashed ''. 

I've gone back and forth with with the Company on this matter, getting supervisors to review the account and agree with me. 

Nonetheless, when the matter has been submitted to Investigations for confirmation, they've only ever come back insisting that I owe the money because funds were returned to sender. 

Investigations is completely overlooking the fact that funds were never credited to my account. 

The funds in question consist in a balance transfer requested, but not received, in the amount of {$3800.00} on or about XX/XX/2018.
Consumer complaint received 2019-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NJ)

The original debtor on this medical bill from XX/XX/2013 that has not been validated was originally being collected by XXXX however 6 years later was sold to PHOENIX FINANCIAL SERV that has been submitting the same account from XX/XX/2013 re-aging it on my credit at least 3 times in past month flagging the account as collection account without making correctly reporting the account as an old account but rather making it appear new. XXXX could not collect on this account because they failed to send any information that would validate the debt and has since been disputed and removed from my credit file now it is been sold to a new agency who is abusing my credit and affecting it negatively I have not received any correspondence from this company my first notification came from my credit monitoring application with XXXX  I have filed a dispute with XXXX  that is currently pending in the meantime the company continuously keeps hitting my report flagging the account negatively driving my score down significantly
Consumer complaint received 2019-07-26
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. (FL)

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2023-08-15
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. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked XXXX and Transunion for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove XXXX  XXXX
Consumer complaint received 2019-07-26
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: Experian Information Solutions Inc. (NV)

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked Experian and XXXX for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove XXXX XXXX**
Consumer complaint received 2019-10-01
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. (NY)

I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.
Consumer complaint received 2023-04-04
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. (NC)

Experian has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX  XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX XXXX- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- current balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXXXXXX XXXX XXXXXXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off XXXX XXXX as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to transunion, XXXX  and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Consumer complaint received 2019-07-26
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: Experian Information Solutions Inc. (NV)

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX,
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

MOHELA is horrible. I sent in a message XX/XX/2022. Requesting a refund on the payments Ive made during forbearance. I instead decided to call and handle it quicker. I was on hold for XXXX minutes  but was told Id be approved in XXXX  days, and be refunded in XXXX  days. 
I sent a message XX/XX/XXXX requesting an update. I sent another message XX/XX/XXXX. I sent a complaint message XX/XX/XXXX. I sent another complaint message XX/XX/XXXX. Ive never received a single reply from any of the messages sent. I have called every day at least once and at different times for the last XXXX weeks and there are XXXX minute wait times to speak to someone. Once you finally get someone on the line, they hang up on you. This is getting absolutely ridiculous. 
Again, MOHELA is horrible.
Consumer complaint received 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP 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 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion continues to take pints away from my scores for no reason at all, last week they deducted XXXX points for no reason only to put XXXX points back on there, becaus eI have been leaning up my credit and my score has been increasing, if my points would have remained on there I would well be in the XXXX 's by now, but every time they know my score is about to increase they deduct for no reason, I have no missed payments, items removed off my typify and they are not Bro g fair, they are cheating me out of my points
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/2019 {$200.00} for joining chase bank checking and setting up direct deposit. I set up direct deposit. Got my first deposit XX/XX/XXXX. 10 days later I received nothing. I called the bank and they said I needed a coupon code ( I didn't need one because I applied through the link that automatically applies it. ) I showed them the code and than they said I was not eligible because it wasnt soon enough. It cant be over 90 days well I set up mine within 30 days.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (TN)

Left very aggressive pre recorded voicemail threatening me to call them back before XXXX today or they would have to take further action. Gave no information on the debt they claim I owe, did not give the name of their company. 
Only left a call back number. When I called back I got the name of the company but then was disconnected when I began asking questions
Consumer complaint received 2018-06-27
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. (NC)

I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and Transunion requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (PA)

XXXX XXXX is reporting as a collection account with a balance, however this account has been paid in full. Attached is the payment receipt for the adjusted amount reporting on my credit report. It was paid the collection financial firm that it was directed to. I am requesting immediate permanent deletion from my credit report without prejudice.