davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
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: Diversified Adjustment Service, Inc. (PA)

My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : XXXX XXXX XXXX  # XXXX Diversified Adjustment # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX/XXXX # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
Consumer complaint received 2020-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
Consumer complaint received 2020-02-10
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)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union Credit Claims that they verified a public record showing in my credit report with the US Bankruptcy Court of PR. This is false information as the US Bankruptcy Court of PR DO NOT share information with CRAs. 
Trans Union utilized XXXX XXXX for electronic verification purposes and therefore the information provided in my TU credit report is inaccurate as TU NEVER verified this information with the US Bankruptcy Court of PR. Based on Fair Credit Act this is a violation under this act and I am entitle to remove this innaccurate information from my TU credit report. 
Additionally this public record on the investigation report should be shown as DISPUTED. It does not. 

Please instruct Transunion to remove this inaccurate public record from my credit report.
Consumer complaint received 2020-02-10
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. (FL)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Equifax Credit report. XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX. Collections XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The borrower was in review for a modification and the bank motioned the court to reset the sale and received the relief it sought as the court granted the bank 's motion and the property currently has a scheduled sale date for XXXX XXXX, 2015. 
This is clearly a violation of 12 CFR 1024.41 as the bank is prohibited from seeking a sale date while the borrower is in review for loss mitigation.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

XXXX XXXX XXXX keeps calling and leaves no messages. They called on XX/XX/XXXX at XXXX then again at XXXX and XXXX. Then on XX/XX/XXXX they called at XXXX. Today, XX/XX/XXXX theyve called at XXXX, XXXX, and XXXX. I wouldnt be surprised if they called another several times today! This is ridiculous. They keep calling from XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OR)

I was a guarantor of a lease for my daughter from XX/XX/XXXX until XX/XX/XXXX. My daughter signed a new lease for XX/XX/XXXX until XX/XX/XXXX. I did not sign the 2nd lease as my daughter then had rental history and is an adult.

For several months on the 2nd lease the apartment manager/maintenance entered her apartment without proper notice ( along with other unsafe practices ) where my daughter felt very unsafe and like she had no other option but to move. She moved at the end of XX/XX/XXXX after giving a 30 day notice and trying to work it out with management. 

The apartments have now sent her to National Credit Systems Inc. to collect the remaining balance of her lease ( {$1100.00} ). She is objecting to owing the amount due to the illegal entering of her apartment. 

I now have also received a collection notice from National Credit Systems. I've contacted the apartments via email ( XX/XX/XXXX ) and talked with XXXX XXXX of NCS ( XX/XX/XXXX ) relaying that I am not a guarantor for the lease period. XXXX mentioned today that since I signed the original lease I'm on the hook for all future leases and that he has reported me to the credit bureau agencies. Also, when returning my call the call ID showed a local phone number in Oregon and NCS is located in Georgia. 

I feel like National Credit Systems is violating not only my rights by trying to collect a debt not owed by me but my daughters by contacting me about her debt.
Consumer complaint received 2020-02-10
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. (AR)

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXXXXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX  XXXX {$760.00}
Consumer complaint received 2016-07-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

Began buying our home in XX/XX/XXXX using Automatic Monthly Mortgage payments via our XXXX XXXX Acct. Home Plaza Mortgage Company began pulling EXCESS payments from our account! They failed to notify us that they were doing so! On XXXX XXXX, XXXX, I discovered these discrepancies, called Home Plaza and was told these were not excessive charges. Calling back on XXXX XXXX XXXX, the staff person acknowledged there appeared to be excessive charges from Plaza, I was told that I would not have to pay our mortgage for several months. I informed them that we want the excessive charges returned to us instead and was told that would be more difficult. I asked for a Supervisor, reaching XXXX XXXX. who advised us to fax a letter stating the above issue and we will receive a reimbursement check within 5-7 days after our fax is recieved. 

My husband XXXX and I do lack trust in this mortgage company now and would greatly appreciate your office looking over our account with Plaza Home Mortgage. 

Additionally we have concerns that the Hazard Insurance that Plaza pulls from our account may also be redundant as well. We believed that our insurance was rolled into our mortgage payments already. 

Thank you in advance for you assistance and protection!! 

Warm regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR. XXXX XXXX
Consumer complaint received 2019-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, JP Chase Morgan closed my accounts without informing me due to the " risk of keeping my accounts open ''. They did not let me withdraw my money at a branch, nor ATM, nor send me any check. As of today XX/XX/2019, they still keep my {$77000.00} and not offer me any way to get my money. I don't have any cash or credit card on hand and need my money for everyday spending. They need to release me my money STAT.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2019, XXXX XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NH)

In XX/XX/2020, received notice of 3 o draft fees, then account locked. When branch XXXX nh.. manager informed locked my account chip on chip avtivity, account XXXX overdraft not counting XXXX of fees. We went Thur unatorized trans found purchases in cal, ny, nc, few trans purchase card in california, legit purchase made in XXXX nh few hours later ... impossible in cal and nh few hours. Filed police report gave tp bank. For one month to bank kept saying did not police report, branch emailed twice, filed new report Thur bank XXXX assured police in he XXXX sure refunded the bank close account found fraud .... finally hours on phone XXXX XXXX number one honest to bank employee bank saying left me phone message saying fraud activity they thought on account, I never received notice, until got 3 of fees in mail. 

Been customer to bank 20 years, retired now my ss income, loss half. Money month. Thur out this process to bank lied many employees, why not process file charges in out state debit thefts. To bank are bunch robbers, no ethics, or truth in them share holders ashamed XXXX XXXX bank who dont protect, be truthful customers.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is repeatedly and continuously reporting inaccurate names and addresses on my credit report no matter how many times i dispute the information, send in verification, documents or request correction. This inaccurate information is giving unknown creditors leeway to report debts that do not belong to me to be reported under my credit report. I have been battling with Experian to correct my information since 2016 and I still have not had this matter resolved successfully. What they are doing is immoral and illegal and should be dealt with accordingly.
Consumer complaint received 2019-02-11
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: JPMORGAN CHASE & CO. (TN)

FOR YEARS Chase has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to Chase during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM!

Apparently, I had an account with Washington Mutual ( WAMU ) and it contains minute residual funds. Chase apparently acquired WAMU in a  merger/hostile take over which gave them access to my identifying information. Instead of Chase sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and XXXX. The reason is that the name used ( XXXX which as a woman and a SR I've never actually used ) is only shown on my XXXX   report and XXXX was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

I opened my TD bank checking account on XX/XX/2021 with a promotion for {$300.00}, i satisfied all requirements for the promotion in XXXX XXXX i have reached out to td bank and i was told i do not qualify for the promotion. which seems inaccurate i have included a copy of the terms and the promotion i have applied for in XX/XX/2021 2021
Consumer complaint received 2021-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been trying to refinance my mortgage since XX/XX/XXXX. My current lender is Citizens Bank. I have a charge off of a HELOC in the amount of approximately $ 45K since XXXX. Every month since XX/XX/XXXX, I have had an automatic debit from my checking account for {$500.00}. Current balance is now approximately {$16000.00}. 

In order to refinance, I need a statement from Citizens that reflects my on time payments of this charge off for the past 2 years. 

Repeated attempts have been met with no response. This is the final document that I need to close on a refinance. 

Per Citizens Recovery Department, I was to send a request for the statement with my signature to XXXX on Thursday, XX/XX/XXXX. I informed them that it was urgent. No response. 

At the same time, I contacted Citizens Mortgage to get a statement for my current mortgage. I received that in 48 hours. 

This is the second attempt at refinancing and, in XXXX, my refinance was closed because of untimely document receipt. Once again, this HELOC statement was the only document missing during that attempt. 

I feel as though Citizens is deliberately blocking my attempt to refinance. My loan with them is at 6.8 %. I have been unable to take advantage of low interest rates because they will not release this necessary document. 

I am at my wits end. Filing this complaint seems my only recourse.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NV)

my card number was stolen and used in the state of California in different cities since XXXX- XX/XX/20 totaling up to {$1000.00}. Used in XXXX XXXX, XXXX & XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX California. 
My Card is from Way2Go XXXX card that is used in Alabama to deposit child support, XXXX XXXX  is affiliated with them. I was never alerted of any miss used transactions that are from California and i live in XXXX XXXX.It was very hard for me to reach costumer service for Way2GO debit card that i called XXXX XXXX conf # XXXX and they stated they did not have me in any account so they could not help me. I finally was able to reach someone in Way2go Costumer service to stop and report stolen debit card number, they then transferred me to fraud prevention from XXXX XXXX  and i made a report and they said they will mail be a dispute for all the transaction in 3 days and for me to fax it back with police report, then they will review it and let me know when i can get my money back. As a card that is from the State of Child Support i believe it should have better surveillance on the use of it and notify the consumer. I am out of {$1000.00} dollars and my identity has been taken from me and in terrible bind financially. I am very frustrated and upset with the whole system.