davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

My checking account was hacked some how. I called as soon as I saw it was not my transactions. It was with XXXX. I didn't even know what that is. The person was able to get {$250.00} out by the time I stopped it. I had to open a new checking account etc. I've waited almost 2 weeks for Chase to get back to me. I got a letter today saying after their investigations they say the amount was authorized. I DID NOT authorize whom ever this is. I have NO idea how someone could even get in my account. I've called again to complain and they say they will look into it again but acting like nothing will change. I do not have money and this is a huge amount to me. I have bills to pay. They haven't told me how it happened or anything. I need help please.
Consumer complaint received 2018-11-02
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: M&T BANK CORPORATION (NJ)

The reason for my writing is that M & T Bank is being unreasonable. I recently reviewed my credit report and found that M & T Bank were reporting inaccurate data. As a result, I disputed this erroneous data on XXXX XXXX by providing both up to date information and my detail request, clearly stating what I needed checked and rectified for my report to be 100 % accurate and verifiable. 
I was surprised by M & T bank that even after providing all the details that I did, until now they are in violation of the California Credit Reporting Act, which requires that an account be marked as disputed after a creditor receive notice of a client 's dispute. They have failed miserably to mark the account as disputed by client. Which clearly states that they did nothing in as far as investigation of my dispute is concerned. 
I am already in talks with my attorney in regards taking legal actions against M & T. Please see attached here with : 1. My dispute I sent to M & T on XXXX XXXX 2. My screen cast of my recent report without the client dispute remark 3. My small claim form- SC-100
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (IL)

15 U.S. code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINTS TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland contacted a third party regarding an account that they claim belongs to me. The other party contacted me and gave me the phone number to whom they had been contacted by. When I called the number a representative of Midland answered claiming I owed a debt to them.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc. (VA)

Creditors Collection Service ( XXXX ) claims I owe money to XXXX XXXX XXXX but I have never gone to them for service. I have requested multiple times to substantiate their claim of debt but they simply give me my name, address, date of service, and medical billing code. In addition, at no point do they show work requested by my physician. When I contacted my physician, I am told they NEVER send anything to XXXX XXXX XXXX. I have contacted my health insurance carrier, and they noted there are two companies using the same billing code for the same date  of service. Even this doesn't seem to phase the collector into investigating this claim further. The collection service continues to hang up on me because they feel what they have given me is enough for me to pay the bill. At this point, they keep hanging up on me and can't understand why I'm not just paying the bill.
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My mom is the original owner of the house since XX/XX/XXXX. In XX/XX/XXXX my mother and I obtained a new loans from XXXX XXXX XXXX and the tile company that close the loan no longer in business and the mortgage company is not in business. The service company was Ocwen servicing. We started paying the loan for serval years when asking the service company about the deeds of the property no response. Mother stop making payments for the loan for one month due to financial issues and the Ocwen didnt want to receive any more money from her. I tried to refinance the loan because I could not. InXX/XX/XXXXXXXX filed for possession of the property with a copy of the deeds of trust not with the original document. At that I could not find any other information about the mortgage. The deeds was not registered in my name after tens years. I never received any information from XXXX about the mortgage. The property is located in XXXX Maryland XXXX XXXX XXXX XXXX Maryland XXXX. I need help with my house. I paid a lawyer more than {$10000.00} I dont have any other money. Please call if any other issues XXXX
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

PREVIOUS COMPLAINTS FILED WITH CFPB : XXXX XXXX SPS had consecutively delayed the file for one reason after another. I ask a member of management review the notes to see exactly what I mean based on call records as there have been too many occurrences to count. If needed I can compile dates and instances of unnecessary delays but I have already had to waste too much of my time as is. 

I need a manager to call me
Consumer complaint received 2022-07-25
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. (PA)

I have reviewed my credit file XXXX is reporting late payments on my account for XXXX account no : XXXX. The below dates are dates with incorrect reported late payments, my account is on good standing however XXXX and Transunion are reporting incorrectly which is affecting my ability to fair credit. This violates numerous consumer laws under the Fair Credit Reporting Act. I have repeatedly attempted to have this corrected with XXXX and Transunion. I am requesting to have these the following updated to paid as agreed and have late payment removed. 


XXXX is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX Transunion is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (NJ)

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX   XXXX XXXX/ XXXX XXXX I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX/ XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

My Suntrust Checking ccount was hacked on XX/XX/2019 and {$420.00} of my money stolen using a XXXX connected account. 

I want to open a case with local law enforcment, but I need a statement of fraudulent charges from SunTrust. 

They refuse to provide this list - Even though they have a case ( Fraud Claim # XXXX ) in progress. 

Than you
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (WI)

Debt is not owed, identity theft reports have been filed and submitted to all appropriate parties and credit agencies. Absolutely zero communication from the debt collector and balance of amount due has doubled. Proven multiple times its not my debt. This needs to be immediately removed from my credit reports and company needs to cease and desist immediately.
Consumer complaint received 2018-10-08
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. (IL)

on XX/XX/2018 I sent a certified letter to Transunion, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
Consumer complaint received 2023-03-21
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. (MI)

Information being reported on my credit report is inaccurate. This includes old addresses, alias names, and accounts that are reporting in violation of my rights consistent with FCRA. A request was made citing the law and the accounts and inaccurate information listed. As of this date I have received no information from the credit agencies. The erroneous information is a violation of my rights and I request that unlawful information be deleted immediately from my credit report.
Consumer complaint received 2017-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

Sentry Credit states that I owe {$110.00} in which I do not owe. I lost my XXXX credit card and reported it to XXXX.Someone had charged the amount of {$110.00} on my card.XXXX is the credit card company that issued the card.XXXX sold the {$110.00} debt to Sentry Credit. I called Sentry credit and ask them to remove the charges from XX/XX/XXXX. Sentry Credit told me that they would remove the charges and to this date XX/XX/XXXX they still have not removed the charges from my credit report.The {$110.00} in debt collection is hurting my credit score. Please help with this matter.
Consumer complaint received 2022-08-15
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. (NY)

In accordance with the fair credit Reporting act XXXX  XXXX XXXXXXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  XXXX : Account # XXXX has 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-29
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. (MS)

On XX/XX/2019 XXXX XXXX XXXX were contacted by complainant due to incorrect Chapter XXXX Bankruptcy filing being reported to TransUnion. Upon investigation, XXXX found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. XXXX verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. 

On XX/XX/2019 the complainant filed an online dispute with TransUnion due to incorrect Chapter XXXX Bankruptcy filing reported by XXXX XXXX XXXX. A full description of the situation was provided in the dispute. 
During TransUnion 's investigation, they contacted XXXX, referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. 

On XX/XX/2019 the TransUnion investigation determined that the reported Chapter XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. 

On XX/XX/2019 complainant contacted XXXX and spoke with Customer Service Supervisor, XXXX ( employeXXXX ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to TransUnion and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a Chapter XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the TransUnion dispute claim in order to rectify the problem. 

On XX/XX/2019 Complainant called TransUnion dispute office to challenge the dispute, offering to contact XXXX XXXX XXXX on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
Consumer complaint received 2018-10-08
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 have contacted Equifax many of times asking them to remove this item from credit report because it does not belong to me. I also asked for all original paperwork because I've never signed up for this account and Equifax still won't remove. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It has been 6 months and Experian Credit Bureau is still reporting  XXXX  unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than  30  minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved.   XXXX  Experian Report #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (PA)

Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

After two request Equifax and XXXX refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I am applying for a mortgage and was told that I had a large amount of medial bills on my credit report and they denied me. When I received the credit report from the mortgage company it listed quite a few very small collections and one large one. The numbers next to the amounts did not correspond to any collection letters I had received. The large amount {$550.00} was unusual enough I tracked down the account and called XXXX XXXX. They apologized and stated it had not been paid by the hospital and was turned over to collections. ( another bill had been paid ) I contacted the Collection Information Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18 and talked to XXXX. I explained that I needed to verify the amount I owed and she stated I owned {$3700.00}. I asked her to send me a statement to confirm the accounts. I called back on XX/XX/18 and spoke for XXXX who stated the letter went out an call them if it did not show up over the weekend. She stated I owed {$3600.00}. I called back today XX/XX/18 at XXXX XXXX and talked to a male with a strong accent and he told me they could not send another statement out and to check with my post office ( its a holiday for them ). I never received a slip or an letter from them. I told the male that I wanted to pay them. He said have a good day ... ..
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA 's fraud department denied the claim I filed after I was extorted. After their investigation, their representative agreed that I was extorted. I was unfortunately informed that extortion is not a form of fraud.
Consumer complaint received 2018-10-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound account.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

On Monday XX/XX/XXXX Chase suspended my account access. I provided them all requested personal identification information. After 30 minutes on the phone they have still failed to remove the account suspension due to me not being able to tell them which account they suspended. Im on vacation and need to go to my local branch to get it unsusoended.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX charged off my account while account was current, with more than double the minimum payment being paid monthly. 

Most recent statement shows consistent payment over twice the minimum payment ( minimum payment {$120.00}, we have been paying $ 300 monthly since XX/XX/XXXX ) This card was opened in XXXX, and since that time, I have only missed 3 payments beyond the 30 day mark by a few days, and quickly corrected them, paying off these outstanding balances before the next payment due date. 

I am unable to reach someone to discuss the reasoning or erroneous nature of this charge-off. 

This charge-off has negatively impacted my life, and I may need to file bankruptcy as a result as it has ruined a loan refinance for my wife and I.