davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XX/XX/2019 I have no idea. I was looking for a private loan. I did not know, someone deposit using a fraud check. Since I pay {$200.00} from that account the the private lender. Without knowing, the fraud check hit my account. The bank, Bank of America, just close my account until today. I need to take this off so I can open account. 

This bank did not work with me. I did not know the check, but they put in trouble. 
I am a small guy trying to make a living. Someone damage me by putting a fraud check Bank of America is doing this to me, I can not do business for XXXX  years. I lost a lot of income. 

Please contact bank of america and lift the this hold from check system.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IA)

I am writing in regards to the debt you claim I owe, which is definitely an error. I request that you provide me with a validation of the debt, as required by the Fair Debt Collection Practices Act. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

To whom it may concern, My name is XXXX XXXX XXXX and i have a complaint with Experian. First of all i have one account that clearly reads never late and paid off, yet Experian say its a harmful account. Secondly, I am trying to fix everything, making payments etc. and my score went up. But every single time it goes up the next time i check it the score has dropped. This has gone on for way over a year. When i checked today it had dropped XXXX points. Something is wrong and if its me, fine i can take that but if its something they are doing i want retribution and a letter of apology. My cell number is XXXX. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX  XXXX WHERE I EXTENDED CREDIT TO XXXX  XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX  XXXX. 
A complaint has also been filed with the ATTORNEY GENERAL of State.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries. 

XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX other than personal Inquiry date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I checked my credit report and there is a medical debt listed on my report that does not belong to me. Thus far I have tried to dispute the debt to get removed from my credit report to no avail.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XXXX, my XXXX XXXX pulled my credit score with Equifax and gave me the score of XXXX. As a member of MyEquifax, I pulled my credit score and it was XXXX. When I questioned the XXXX XXXX and Equifax, I got the run around. Equifax shows a Vintage 3 model. The XXXX XXXX says they use a different model, but could not provide the name. When I talked to Equifax, I got the same lame excuse. Why do we subscribe to these services if the information they provide is different than what the financial institutions use? In my opinion, it is a method which allows the financial institutions to use a lower credit score in order to charge higher interest rates. On the surface, this appears to fraud.
Consumer complaint received 2022-04-08
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. (NY)

Chase placed a hold on a check I deposited on XX/XX/2022 which was supposed to be made available on XX/XX/2022. But the funds were made available for use on XX/XX/2022. I don't know the difference between a fraudulent check and a regular check that was why the hold was placed on the check but it was lifted which to me means it is a good check. XX/XX/2022, I woke up to $ XXXX in my chase checking account. I called the bank and they told me the check was fraudulent. I also went to a local branch but they said they made the check available because I am a loyal customer but they didn't investigate the check to know the validity of the check before releasing it. The said check is for a " supposed '' online job I applied to. I have no idea what type of check it was. I was just a job seeker doing my job at that time.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 : 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 2018-07-10
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Windham Professionals, Inc. (MI)

A place called Windham Professionals keeps calling my number, and asking for someone who apparently has had my number in the past. They are leaving some very bile messages and I have repeatedly told them, the person they are looking for no longer has this number. Their number is XXXX.
Consumer complaint received 2022-04-08
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. (LA)

I applied for a XXXX credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from Experian that a hard inquiry was taken on XX/XX/2022 from XXXX XXXX. I called Experian and they stated that only XXXX can remove the inquiry. I called XXXX and they said that they will not remove the inquiry. I believe this is fraudulent on the part of XXXX and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. XXXX told me initially ( 2 different people ) that it doesnt say that!! At this point, Experian and XXXX are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.
Consumer complaint received 2024-03-07
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. (PA)

Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This account appeared on my credit report. I contacted the XXXX XXXX XXXX in writing at 30 days, and then again in 60 and 90 days with a response from them stating that they have stopped collection activity. I also contact Experian and forwarded them the letter from the collection agency and they haven't removed them item from my report. 

I sent certified letters to Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this account is still reporting on my Experian Credit Report. 

The account is XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-24
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. (NY)

I have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.
Consumer complaint received 2022-01-24
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

On XX/XX/XXXX, I refinanced by property at XXXX GXXXX XXXX XXXX XXXX Florida. 

Once the loan was funded I received notification that the servicing company was going to be Planet Home Lending and I established automatic payments for the new mortgage payments to be taken from my bank account. 

On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to XXXX XXXX XXXX XXXX XXXX  ) effective XXXX XXXX. 

On XX/XX/XXXX, i received a goodbye letter from Planet Home Lending saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from XXXX stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company. 

On XX/XX/XXXX, I called Planet Home lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that XXXX had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called XXXX and reported the problem and they empantically stated in contradiction to Planet Home Lending that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report. 

I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained. 
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue. 
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation. 

I need the government to step in an help resolve this and get my overpayments back. 

i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .XXXX XXXX XXXX or Planet Home Lending. In my opinion they both are less that a 1 out of 10. 

I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation. 

I recently was advised 2 days ago that Planet Home Lending was going to transfer the loan to XXXX on XX/XX/XXXX but they would not be refunding me my overpayment. 

PLEASE HELP ME get my money back. This is not right!!!!
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

My JP Morgan Chase Credit Card has been used by somebody else besides me about 4 times. My card has been used overseas as well by somebody else. Random purchases have been made by somebody else with my card through the internet. I have had to change my JP Morgan Chase Credit card about 4 times this year.
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE (CT)

Hi! My mortgage company gave me a coupon book with what I owe to them, that is a different price than what I owe. I payed the amount on the coupon book and they are now stating that it is delinquent and will refuse to confirm that it will not go against my credit score. They have also made countless error in the past with my mortgage, including applying my mortgage to another person 's account last year. I would like assistance in resolving this. XXXX. XXXX XXXX XXXX XXXX McCue Mortgage
Consumer complaint received 2022-01-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (CT)

Hello I purchase a vehicle from Santander USA back in 2015 for XXXX which total to around XXXX I still owe almost XXXX seven years later my payments are XXXX a month my credit score was XXXX when I got the loan I needed this vehicle for work even tho I knew the payments were high I still needed transportation over the years i made a total of 11 late payments which over the 6 or 7 years Im aware of the class action lawsuit with Santander I wrote to this company trying to get the late payments removed and they keep saying verified I feeling need to have some if not all removed Santander is destroying my credit with the late ayments that they are currently reporting I need help in this matter my payments have been current and on time please help thanks.
Consumer complaint received 2022-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (NM)

On XXXX XXXX I made my current monthly payment on My Ally bank home equity loan electronically as I usually do. On around XX/XX/XXXX I received collection notices in the mail indicating that I was in default of my loan. I immediately went to my bank account and to my account with the Ally.to check for payment activity and could not find records of the payment. Unfortunately I did not record the confirmation number when I made the payment. On XX/XX/XXXX I called Ally bank to inquire of this payment. The person assisting me spent quite a bit of time researching but could not find a record of the payment. At this point I assumed that I had made an error when posting the payment and agreed with the company rep to make that payment which was from my XX/XX/XXXX payment, My current payment which was for My XX/XX/XXXX payment and my next payment for my XX/XX/XXXX payment. I received and recorded a confirmation number from Ally for this payment and was assured that all was OK. On XX/XX/XXXX I again received debt collection letters from Ally stating I was in default of my account. I again called in and after considerable wait on the phone I was told that they could see the payment activity and discussions in my account record but could not determine where the payment went. ( this payment was not taken from my bank account either ). Once again we agreed to make the same transaction for three months of payments. Again I received a confirmation number and was assured all was okay. On XX/XX/XXXX I again received mail from Ally saying I was in default on my loan. I checked my bank account and the payment had not been withdrawn. I called Ally again on XX/XX/XXXX and after the same routine and extensive wait times I was told that for some reason due to the type of loan that the payment was put in " suspense ''. Again we agreed to make the payment making my account not only current but paid in advance. Again I received a confirmation number and was assured all was Okay. On XX/XX/XXXX the full payment was withdrawn from my bank account. I went to my Ally account online and found that the payment was still being listed as past due and in default. On XX/XX/XXXX I received an email notice from my bank that my XXXX score had been reduced due to negative credit reporting by Ally Bank. On XX/XX/XXXX I checked my Ally account on line and found that the payments had finally been credited and the account was up to date. Everyone I spoke with at Ally was helpful and assured me that all was Okay. It is not okay that my credit record is being negatively effected my credit record due to internal issues at Ally bank and no fault of my own.
Consumer complaint received 2022-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NE)

I have made several payments that instead of going to principal, have been applied to future mortgage payments. I am currently paid off until XX/XX/XXXX. I called on XX/XX/XXXX to fix this issue, and I called again on XX/XX/XXXX, and I called again on XX/XX/XXXX. I would like this money to be applied to my principal. 
Currently, I am being charged interest on money that Caliber Home Loans has, but refused to credit to my principal balance. 
According to my bank account, I should owe {$1100.00}, but current balance is {$2600.00}. Caliber Home Loans acknowledges this error, but hasn't done anything to fix it.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.
Consumer complaint received 2022-01-24
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. (MD)

I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied Equifax with 2 pieces of additional and relevant information of which Equifax chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I requested Transunion to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX