davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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: JPMORGAN CHASE & CO. (FL)

Notwithstanding allegations of fraudulent charges regarding JP Morgan Chase Bank account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, XXXX and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Consumer complaint received 2022-01-22
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. (AL)

First Attempt : On XX/XX/XXXX, I mailed Experian at XXXX XXXX XXXX XXXX, TX XXXX, a notarized affidavit informing them that several accounts on my credit report were invalid and that 2 of the accounts did not belong to me. This letter was sent certified mail I asked them to verify the information and delete the invalid accounts. 

Experian sent an automated response via my application stating the accounts were indeed valid and belonged to me and that they would remain on my credit report. This was received on XX/XX/XXXX Second Attempt : I gather my full credit report and printed out a copy of my credit report with all 3 bureaus. I highlighted all the areas on my report that made the accounts invalid. I also wrote another letting asking them to provide me with a description of the method and investigation procedures for the accounts. I again, asked that they delete the invalid accounts. I mailed them all this information certified mail on XX/XX/XXXX Experian sent another automated response to my request and did not forward me the investigation information I requested which is a violation of the FCRA. this was received on XX/XX/XXXX Third Attempt : My main issue is with the one charged of account. Not only does this account report inaccurate information, but it also does not even belong to me. I sent a third letter again pointing out the inaccuracies in the report as well as asking them to provide me with documentation from the credit showing my signature to be obligated to pay the alleged charged-off account. 

As I have never signed an agreement with this company nor had an account with them, Experian was of course unable to provide me with this information. Instead, they updated the account by changing the date reported. This is another violation as they had previously confirmed this account was valid twice but on this third dispute, they found an error, and instead of acknowledging the other inaccuracies I pointed out and failed to provide me with proof that the account belongs to me, they update the account. 

I am making a final attempt to have them clear this matter up which is why I am filing this complaint. My next step will be a small claims suit against the company
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

My mortgage with SHELLPOINT MORTGAGE has been in forbearance since 2020 and they were supposed to send me a new forebearance letter every 90 days to show the account is sill in forebearance and is not supposed to report the account as late while in this status. Shellpoint has failed repeatedly to provided the forebearance letter and has continued report the account late to the credit bureaus and has ruined my credit rating. There was to be a single point of contact and everyone keeps passing the buck. Shellpoint has acknowledged that they made the mistake of reporting the account late, but they have yet to correct my credit report and has only provided a single letter of forbearance for a 90 day period. Shellpoint continues to push this on a back burner and it has continued to ruin my credit. I am pleading for help in this matter to restore my credit rating and remove all the late marks they put on there. This has been going on way too long and they are dragging their feet. tHEY HAVE YET TO PROVIDE ALL THE OTHER LETTER NEEDED TO PROVE THE ACCOUNTS WERE INDEED IN FOREBEARANCE ON BOTH MORTGAGES AND WERE NOT TO BE REPORTED AS LATE. I HAVE ATTACHED TO ONLY LETTER THEY EVER SENT
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

In XXXX I applied to refinance a rental property with PNC Mortgage Co. I purchased the property in XXXX. I also refinanced property ( with PNC XXXX in XXXX. I received approval for a refinance for a conventional mortgage at a lower rate. All going great, rental appraised at 3 times what was owed, credit rating is XXXX, funds in accounts that would pay loan off if needed, loan doc online to sign and then nothing from PNC. XX/XX/XXXX, the mail brought me a letter stating my credit was not approved because PNC does not offer the terms requested. 3 months later after all the paperwork completed and in XXXX I find this out! PNC has my mortgage but the letter states it does not have conventional fixed loans. I do have a conventional fixed loan with PNC now. I wasted 3 months and will never be able to get the interest rate I was offered in XXXX now with anyone else. All interest rates have gone up. 
I complained to PNC and a loan officer called XXXX not mine ) and was ugly, telling me PNC did not make those kind of mortgages. Like I would know! I asked just what kind it was and I wanted details on just what was wrong or what was THOSE KIND. No answer. No offer of a modification so the mortgage would work, nothing. So why deny my credit? My age? I have never heard from my original loan officer since the loan doc needed to be signed.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP (WI)

Bank note forgery with the assistance of a bank representative allowing for improper and unwanted Agent and Beneficiary ( POD ) for savings and checking accounts. > {$30000.00} Bank 's written response, " After completing investigation of your concerns, we were unable to substantiate the occurrence of any alleged forgery. '' XX/XX/XXXX It was noted that it was the same bank representative that had Notarized signatures on multiple bank cards that we strongly believe not to be authentic in which granted complete access and diversion of funds in absence of oversight to occur. 
Verbal reply, " The alleged forged documents had no bearing on how the accounts were paid out. '' claiming that there was no damage. The alleged forgery occurred XX/XX/XXXX. An additional Bank Card was completed and signed XX/XX/XXXX. In reality the suspected forged documents allowed for Agent and Beneficiary to divert funds from Estate for multiple years.

If the bank would have completed their due diligence and matched the signatures with signature on file the forged documents would not have allowed for the diversion of funds. 
The bank 's haphazard handling of the reported forgery has allowed the forger and the bank representative 's role to be unsubstantiated. 
It remains evident that the bank is unwilling to admit damages nor acknowledge the suspect role one of their past and current bank representative 's played in the ultimately diversion of funds for multiple years. 
The bank representative, XXXX XXXX XXXX XXXXXXXX at the Customer Care Center denied access to communicate directly with their legal department to determine authenticity of signatures. They require we hire an attorney and are requesting we enter into a legal battle knowing that they have the benefit of wherewithal. 
Forgery is a serious crime and requires due diligence on the bank 's responsibilities to protect assets.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 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 2022-09-27
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank became my mortgage servicer on XX/XX/2021. I am unable to use TD Bank 's online banking services to monitor my account without opening another checking or savings account with TD Bank. These other accounts are not free as they require a $ 10 monthly service charge or minimum deposit. In effect, my mortgage account is being held hostage by these predatory banking practices which require me to open an account to monitor my mortgage account. I have attempted to contact TD Bank at the local branch level and through XXXX customer service. Local branch service does not know how to solve this problem and XXXX customer service transfers me to the mortgage department whose mailbox is always full. I do not believe it should be a requirement to open another account to access my existing accounts. I did not have a choice in who became my mortgage servicer and I now believe that TD Bank is engaging in predatory banking practices. 

It is very clear from the screenshot from the attached online banking signup webpage that TD Bank requires an ATM card linked to a checking/savings account in order to use online banking. I am being locked out of monitoring my mortgage account to include accessing my tax forms associated with my mortgage.
Consumer complaint received 2022-01-22
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. (NJ)

Experian tried to get me to " upgrade '' to a paid account in order to " lock '' my credit, a service offered free of charge by XXXX and XXXX. In the fine print I discovered that I can FREEZE my credit without charge. Experian consistently makes it very difficult to freeze and unfreeze credit, forcing people to fill out long forms. Compared to XXXX and XXXX, it is a nightmare. I believe they are taking unfair advantage of possessing my confidential information and are using questionable business practices in order to make a profit off this information.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received an email stating that a new account loan was open in my name which I never opened. For {$500.00} for 24 months. What in the world is that?!?!? I want this fixed right now! This is a very big problem and now I don't feel safe or secure. I want this fixed. The correct way. This is ridiculous I am so upset right now. Unreal-
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance Owed : {$18000.00}
Consumer complaint received 2022-07-07
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: Affirm Holdings, Inc (IL)

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a Affirm account they also open a XXXX XXXX  account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Consumer complaint received 2022-07-07
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: CURO Intermediate Holdings (TX)

Collection agency on behalf of speed cash is trying to collect on a fraudulent opened account and has reported this false information to my credit reports and has damaged my report where I can no longer qualify for a construction loan to build my home.
Consumer complaint received 2021-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TN)

I have a complaint with a deed in lieu and/or foreclosure since my last payment in XX/XX/XXXX. For some unknown reason my mortgage company rejected my request on XX/XX/XXXX and they have not processed a foreclosure. They have continued to use my escrow account to pay for taxes, home insurance and even paid for some lender fees? I have no intention of keeping the property to which they have been aware of. On XX/XX/XXXX they have requested documents I had already provided to them for the rejected Deed in Lieu weeks prior to their latest delay. There is a note on my account stating my account is not eligible to make payments and to call XXXX for assistance. My loan number is XXXX for property XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have continued XXXX XXXX and XXXX and their lack of action is continuing to be a problem for my XXXX health. I am trying to process the irresponsibility of the real estate professionals who chose to rip me off. I am XXXX XXXX XXXX and would like to move out of my sons home and put this behind me. 

They continue to show my loan as unpaid on my credit report and this has caused me financial problems. I have been in contact several times in the last year with my Mortgage Lender, United Wholesale Mortgage aka XXXX XXXX XXXX XXXX Mortgage, regarding a home loan I have in XXXX, TN. They have changed my loan specialist for my account almost monthly and have not spoken to my latest specialist as she wont return my call. I had to vacate the property in XX/XX/XXXX due to lack of hot water for several weeks which started a month after I moved in. I purchased a home in XX/XX/XXXX with a full warranty supposedly to be provided by the seller, however the warranty was XXXX ordered and paid for by my Realtor for {$480.00} XXXX. The home warranty company has not repaired or replaced the defective water heater even after several service call requests. XXXX XXXX XXXX breached the contract and I did some checking into the realtors and discovered the sale was based on questionable actions and undisclosed information. 

I had reported the problems to my mortgage company United Wholesale Mortgage XXXX When I first approached the mortgage company with the issues they thought I was trying to do a deed in lieu, I stressed there was some fraudulent actions by the people involved in the home I purchased. I received no help from my mortgage company and to this day I have received no help. They have used ALL my Escrow funds to pay bills for that home that should have been foreclosed on months ago.
Consumer complaint received 2022-10-12
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)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
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. (CA)

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. Accounts XXXX XXXX Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me
Consumer complaint received 2022-01-22
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. (TX)

I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been one of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection