davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Obtained XXXX mortgages with BOA XXXX and a line of credit XX/XX/XXXX that was NEVER accessed or used. Both mortgages were paid in full approx XXXX. No further communication with BOA. Sold home XXXX. My proceeds are being held by title company because of this credit line. Bank of America denies having any records of this OR my SSN being usedI have an email from BOA ( person unknown ) received XX/XX/XXXX stating A lien release in connection with above referenced loan is being prepped and will be mailed or electronically transmitted for recording to the appropriate county recorders office.

BOA reference number for this is XXXX XXXXXXXX , county book number XXXX page XXXX, instrument number N/A. 
Nothing has happened and I have been unable to contact anyone regarding this at BOA. Last contact was XX/XX/XXXX with XXXX who became defensive and hung up I have $ XXXX that is inaccessible to me because of this. I do not understand how this whole real estate deal was finalized if I dont have clear title, like how why did buyers bank okay this?
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (GA)

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase defrauds credit card customers with hidden interest rate charges related to zero interest loans. 

Situation : Earlier this year I borrowed a zero percent credit card loan from my JP Morgan Chase Credit Card. Later I found I was being charged interest of 17.49 % p.a. on purchases, but on what amount of purchases? It was not disclosed on the credit card statement. After telephone calls with Chase, I found that the only way to determine the purchase amount was to subtract the zero interest loan balance from the credit card balance as shown on the statement, but the zero interest loan balance was also not shown on the credit card statement. In June I had to speak with a Chase credit card representative to find out the zero interest loan balance.

I spoke with representatives twice. The first explanation of the interest charges was vague, confusing and incorrect. The second was correct. I was told the amount of the loan balance and the method to eliminate the interest charges : sequentially first pay off the minimum amount due ( {$140.00} in my case ), then separately pay off the purchases ( {$220.00} in my case ), calculated as follows : Amount Source Credit Card Balance {$14000.00} Credit Card Statement ( Exhibit 1 ) Less Zero Interest Loan {$14000.00} Chase Representative ( by Phone ) Purchases {$220.00} My Calculation on which 17.49 % Interest is to be Charged Interest Charges {$2.00} Credit Card Statement ( Exhibit 1 ) JP Morgan Chases practices are deceptive and fraudulent, resulting in consumers unknowingly paying punitively high interest charges without knowing how to avoid them. This practice represents another worse in consumer credit card banking, lacking full disclosure and proper transparency.
Consumer complaint received 2023-02-10
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. (FL)

Hello I just received my credit report back from Experian and XXXX XXXX regarding my personal information and it seems they were able to fix some things but missed a few things I would like to have cleared up, for I would like to have my credit report 100 % correct as per FCRA, for future financing. 

XXXX ) Experian has my wrong name still under section - " ALSO KNOWN AS '' : XXXX XXXX which is 100 % incorrect, I do not know who this person is and it needs to be deleted off my credit report please. My Correct Name is XXXX XXXX XXXX and should be the only name listed, I have no aliases. 

XXXX ) Experian has a wrong address which is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I looked it up on the property appraisers site and a " XXXX XXXX '' once lived there but I never have. Please remove this address. 

XXXX ) Experian has NOTHING under Employment, My Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Still has many wrong names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..ALL those names are wrong, my name is " XXXX XXXX XXXX XXXX and should be the only name listed, I have no aliases. 


My Correct Information that should only be showing is Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX SS : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Thank You
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (TX)

DIscover Bank has me listed as account abuse which hinders me from opening any kind of account. They also have about 15 inquires of me trying to open an account with them which is ridiculous becaude why would i want to bank with them after they said i abused ther account, i even had a credit card with them, There also a lot of inquires with banks that i had never tried to open an account with in my life. I belive someone is using my information to try and open these accounts. I cant even get a simple checking account. please someone help me re solve this. my email is XXXX XXXX
Consumer complaint received 2023-03-20
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. (NC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Consumer complaint received 2021-04-19
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. (IL)

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX XXXX bank last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX bank of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
First premier bank account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was noXXXX XXXX XXXX bank account XXXX was late on XXXX, XXXX and XXXX are all false XXXX XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing, Inc. received my mortgage check # XXXX in the amount of {$2400.00} for the XXXX mortgage payment. Instead of depositing my check, Select Portfolio Servicing , Inc. made an ACH withdrawal from my checking account on XX/XX/2019. I never authorized Select Portfolio Servicing, Inc. to make an ACH withdrawal from my checking account.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last two years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.
Consumer complaint received 2023-03-20
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX 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
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last two years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.
Consumer complaint received 2023-03-20
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX 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
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

This is a formal complaint against LVNV LLC located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX. and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and are negatively impacting my credit score. I have reviewed my credit report and found several errors that need to be corrected immediately. 

Firstly, there are two XXXX XXXX bankruptcies listed under my name, with case numbers XXXX and XXXX. However, these bankruptcies were dismissed and should have been removed from my credit report. Other credit bureaus have already removed these accounts, but they are still being reported on my report. I request that you remove these bankruptcies from my credit report as soon as possible. 

Furthermore, there are several credit inquiries on my report that I do not recognize and did not authorize. The cases with no case numbers, as well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX have no relation to me, and I demand that they be removed from my credit report. 

Additionally, there are two accounts on my credit report that are listed as having a payment history but are actually charge-offs. These accounts are XXXXXXXX XXXX with account number XXXX and XXXX with account number XXXX. These accounts need to be deleted immediately from my credit report. 

I request that you investigate these errors and make the necessary corrections to my credit report. I would appreciate a prompt response and confirmation of the actions taken to correct these inaccuracies. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 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
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I paid this loan for four years without missing payment. The amt kelp going up when I finally just told them I wanted Information on what they were doing they said I had been paying for insurance ce the whole time to cover payment incase got sick. The money wasn't going on paying g the loan. I've never heard of such a thing I ha e ask for paper work I contract, payment history with no return on any of it
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (OK)

They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at XXXX XXXX XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my credit.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

Left messages in XX/XX/XXXX on Sears web site that we did not make the charge. They finally removed it after many messages. They put it back on our card & sent us a letter with Proof of purchase however the proof of purchase actually proved we did NOT make the purchase. There was no reason for them to put the charge back on if they had looked at what they sent us. 

I left message again on web site & I called today. I put the card on hold. The person on the other end was overseas & they asked for my checking account number!!! I informed them they did NOT need it but am very concerned that someone is asking for it! 

This charge is from XX/XX/2019 & we are still trying to get it taken care of!
Consumer complaint received 2019-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.
Consumer complaint received 2019-07-04
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: EQUIFAX, INC. (NH)

An inquiry appeared on my Equifax report on XX/XX/2018. The inquiry was from XXXX XXXX. I did not apply for anything from XXXX. I called XXXX XXXX on XX/XX/2018 at which time they said the inquiry never happened. I filed a dispute with Equifax which was denied. I again called XXXX XXXX. This time they stated the on XX/XX/XXXX the inquiry was flagged as fraudulent. XXXX said they would notify Equifax to have this item removed. I again filed a dispute with Equifax which was again denied. I have trouble believing Equifax actually did any investigation. XXXX confirms that they did indeed contact Equifax about the fraud. I did not give Equifax permission to compile and store my personal information in the first place. I would at least expect them to not to be careless with it.