davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (PA)

I REFINANCED MY CAR WITH A NEW LENDER XXXX XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with XXXX late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported XXXX more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX, and Equifax is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes XXXX is reporting XXXX extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
XXXX reported my account closed in XXXX XXXX then reported it opened again in XXXX and added XXXX late payments XXXX is reporting XXXX late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is reporting Account status as closed. XXXX is reporting as paid. Equifax is reporting as closed 6. Equifax is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's XXXX and Equifax did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX
Consumer complaint received 2022-03-03
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 a account without my written instructions.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery A has been charging me {$1800.00} for XXXX  XXXX I have been telling them I never borrowed from XXXX XXXX so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  XXXX '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX  card directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the equifax website and could not submit documentation because it still says under investigation. However XXXX  and XXXX both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX card advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer XXXX.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  XXXX '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX card directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the XXXX  website and could not submit documentation because it still says under investigation. However transunion  and XXXX  both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX  card advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer XXXX.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I have been a Chase account holder for XXXX plus years. I tried to use my chase on XX/XX/XXXX and XX/XX/XXXX it was declined. I looked on the phone I saw that I had money in my account so I don't understand. I called 3 times 2 times got hang up. Then I went to one of Chase Bank branch and spoke with a manager regarding my account. I was told that Chase has suspend my account due to so type of problem with a joint account with my 30 years XXXX  since she was in college. I Don't put money in her account or take out. They can see that. Nobody can tell me what happen. I was told that in 5 to 10 days I would get a letter and my funds. XX/XX/XXXX I have NOT received anything. I don't know what my XXXX  did but I know that I don't anything and I need my money. No one will tell me what is going with my funds over a month and so later. Can someone help please. This is not right with no communication. If this was me owe them the would not like this AND MAKE ME PAY LATE FEE. I have picture of what was in my account, don't have any negative balance.
Consumer complaint received 2024-02-29
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. (AL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect they are the result of fraudulent activities. I urge you to thoroughly investigate these accounts and ensure their prompt removal from my credit report. I have provided supporting documents to substantiate my claims.
Consumer complaint received 2022-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

Dept collection agency contacted me requesting to pay them the amount of {$660.00} and threaten me to take legal action with their attorney and that I have to spend more money by hiring an attorney. then told me will damage my credit report if I don't pay them. I requested them to validate that the debt is lawfully mine and its contractual charges. instead ignored my request to validate the debt amount and reported negative items on my credit report.
Consumer complaint received 2020-07-30
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX  XXXX {$130.00}
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

My initial complaint is XXXX. 
Bank of America has refused to subordinate its 2nd mortgage on my home until I pay to decrease the loan amount on my new 1st mortgage by {$2200.00}. The loan amount on my pending refinance is {$350000.00} and they are refusing to subordinate unless the loan amount is decreased to {$340000.00}. This information was received from XXXX XXXX at BofA. BofA 's subordination reference number is XXXX. 
- This is a rate and term refinance. My wife and I are lowing the interest rate and shortening the term of our mortgage. We did not increase the monthly payment amount nor did we take out any money from the equity of our home. 
- The appraised value of our home as of XX/XX/XXXX, when a full residential appraisal was completed, is {$600000.00}. So when you add the new 1st mortgage of {$350000.00} and the existing 2nd of  {$80000.00} you get {$430000.00} which is a 70 % loan to value ratio. 
When BofA completed the 2nd mortgage in XXXX the appraisal was {$540000.00}. The outstanding balance on 1st was {$340000.00} and the 2nd was for {$80000.00}. for a total of {$420000.00} which is a 78 % loan to value ratio. So our loan to value ratio decreased by 8 % - Our income increased over the past year. 
- Our credit scores remained the same as they were in XXXX. ( mid XXXX 's ) - Our outstanding debt decreased since XXXX. 
Bank of America has no reason or right to dictate what the loan amount should be on our refinance. BofA has given us no choice but to include the outstanding balance of the second loan in with refinance. This has derailed our financial plans.
Consumer complaint received 2020-07-30
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEAR 2008 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE XXXX
Consumer complaint received 2020-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

With their letter dt. XXXX XXXX, XXXX ( Sequence Number XXXX ) Bank of America XXXX XXXX TX XXXX informed me that a check issued in my favor by the bank on XX/XX/XXXX amounting to USD XXXX has not been presented for payment. The letter was sent with an incomplete address and was received on XXXX XXXX only. In the letter, I was asked to request the issuance of a replacement check, which I did. I have not heard anything substantial from Bank of America since then. I have written letters and I have had multiple phone conversations. I was able to find out that the matter was related to a payment to my credit card account. I was told that a case has been opened under ticket # XXXX XXXX XXXX and that it would take approx. 6-8 weeks to issue a replacement check. 

I do not know which Department of Bank of America is in charge. The only written document I have is the letter of Bank of America XXXX XXXX. 

I find it unacceptable that Bank of America has taken 6 years to inform me that a check had not been presented for payment and that another 6 months have now lapsed without any progress.
Consumer complaint received 2018-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

Hello, on XX/XX/2018 I was involved in what I now know was a scam through the use of XXXX. The indidvidual who scammed me used the name XXXX XXXX, email XXXX and the phone number +XXXX ( XXXX ) XXXX. I was under the impression that XXXX was secure and would protect me since it was directly through my bank Wells Fargo. I sent {$200.00} for concert tickets and never received them. I even talked on the phone with the guy and he sent me pictures of his purchase of the tickets so I could verify authenticity. I called Wells Fargo 30 minutes after transferring the money, explained my situation, asked to cancel the transfer and they said there isn't much they can do but they would try to dispute it, however I have not been told anything. Please help! These people XXXX and XXXX needs to disclose that they are not like a XXXX at all!!!!
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

A {$3500.00} transfer was made from XXXX XXXX  card ending XXXX to Capital One ending XXXX. But instead the transfer was made to Capitol One virtual card ending in XXXX. The transfer was completed on XXXX 's side but Capital One claims the did not receive nor " see '' the transfer. The transaction happened on XX/XX/2022 and still I see the {$3500.00} in my XXXX account and no payoff in my Capital One. Please help!
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/22 I discovered there was fraud done on my citizens bank account. I immediately called and filed a claim and was told to go to the bank. when I arrived teller had no clue what protocol to take. could not access online banking so called. Was told to go to branch to unlock funds bank tells me I have to call while in branch but system was. More run around call again they say if money not return within 8 days call been 8 days no answers havent heard anything from the bank no apologies no credit nothing. Worst banking experience ever.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

I had XXXX  cash card prepaid that was stolen and money was refund to that card XXXX saying nothing was done i have enail showing it was i been fighting XXXX for 3 month they closed my card the whole account and how am I getting my refund
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MO)

First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what.

There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments.

Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem.

Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor.

There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later.

You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws.

If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA.

If assisting homeowners is what you do What happened? But that is a lie as well.

I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract.

Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract.

Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right.

You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law.

However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade.

I know the process and the laws behind it. Ocwen will not get away with this.

I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.