davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (OH)

Called Chime debit Visa customer service after receiving debit Visa card in my name that I never applied for. SPOKE TO GENTLEMAN WHO WOULD NOT GIVE ME ANY INFORMATION AS TO WHY I RECEIVED THIS DEBIT VISA CARD IN MAIL ON THURSDAY XX/XX/2022. I WAS ON THE PHONE WITH HIM AND WAS ASKED TO GIVE HIM THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER AND MY E-MAIL ADDRESS. I TOLD HIM SINCE I HAVE RECEIVED THE DEBIT CARD IN MY NAME, AN ACCOUNT NUMBER, AND EXPERATION DATE, THEY SHOULD ALREADY HAVE THAT INFORMATION. HE EXPLAINED HE WAS NOT AUTHORIZED TO GIVE BACK TO ME ANY INFO WITHOUT MY E-MAIL ADDRESS AS THIS WAS THE ONLY WAY TO RECTIFY THIS PROBLEM. 
I ASKED FOR HIS SUPERVISOR AND HE SAID HE DID NOT HAVE ONE. I TOLD HIM EVERYONE HAS A SUPERVISOR AND I WANTED TO TALK TO HIM ABOUT THE SITUATION. HE AGAIN SAID HE DID NOT HAVE ONE AND THE ONLY WAY TO INVESTIGATE THIS WAS BY E-MAIL. AFTER SPEAKING WITH HIM 25 MINUTES I FINALLY TOLD HIM THAT HE WOULD BE HEARING FROM ME ANOTHER TIME AND IF I FIND I AM A VICTIM OF IDENTITY THEFT HIS COMPANY WILL BE HELD RESPONSIBLE. THE TOLL FREE NUMBER I USED WAS : XXXX. THANK YOU.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES XX/XX/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 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 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

I made a payment of {$7100.00} the last week of XX/XX/XXXX, the company posted a payment in the amount of {$5200.00} on XX/XX/XXXX, they then processed {$1900.00} on XX/XX/XXXX, this is a lease vehicle I paid the balance down to zero. They are reporting me with a balance, I've contacted my leasing company which is ( Chase ) asking them to report me properly which should show paid to zero, lease open the lease ends XXXX of XXXX, however they are reporting me with a balance which I no longer have a balance, can someone please assist? what they are telling me is that they are holding my money and applying payments monthly, that's wrong. My money isn't accruing any interest they are aware those funds were to pay the balance of my lease off. Thank you
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: M&T BANK CORPORATION (MD)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XX/XX/24 i sent equifax a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I found out my account was being closed by US BANK XXXX XXXX is the XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. My remaining balance was {$3600.00} and the specific branch decided to withdrawal my money and hold it at that branch location. so my account was close at XXXX $ but the brand has my XXXX $ they never seem to have a manager in there substitute manager is name XXXX and she is not helping me at all and talking to me like i'm a criminal. I had personally drop off the documents the bank was asking which is anything related to my deposits made. 2 Money order with the receipts stub and my payroll with the tear part along with a invoice on XX/XX/XXXX XXXX they never call me to fill me in on anything i always have to call them. 
but they told me the documents are not good enough. I mean what else did they want i gave them receipts. but yeah that is my situation. Please help i have XXXX  XXXX XXXX and need my money to take care of my health and US bank is not trying to help at ALL. i feel like i'm being racially profile. my name is XXXX XXXX XXXX XXXX XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NH)

Starting XX/XX/2016 there was over {$2000.00} missing from my account according to my statements and have not been able to reconcile my account since then. Please send a FAX number so I can FAX my supporting bank statements.
Consumer complaint received 2015-06-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (CO)

My husband and an XXXX filed bankruptcy in XX/XX/XXXX. We had a home equity line of credit with Bank of the West and the borrower was the XXXX, my husband and me. Bank of the West was notified by the courts and our attorney. The billing continues to be sent in the name of the XXXX, even after I sent them copies of the bankruptcy notice. I called the bank the end of XX/XX/XXXX and they said they would change the name on the billing notice to my name since I did not file bankruptcy or not send notices to us at all. This process took about 4 years to complete. If a Chapter XXXX bankruptcy was discharge and the debt was not reaffirmed, can they send notices? The XXXX was no longer a viable company
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years.
I 'd like to know why banks permit this practice when the only benefit is to the bank.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

On this XX/XX/2022 company opened a collection Account # {$15000.00} I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not given a written consent from my end. 

They have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureau. 


XXXX XXXX
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

My bank has been letting XXXX companies take money from my account since about 2011. I have been telling them both via their website and over the phone that they need to stop the transactions from happening that those were n't from me. They have n't done anything till as of late they credited my final deduction on XXXX XXXX. They are now passing me around the bank and doing nothing for me as far as the past due amounts. They pass me around and I have to explain the entire story again to a new person every few days. I can only see 90 days into my bank history so I ca n't get exact dates. The XXXX companies charged me every few months. My bank has yet to do anything really other then pass me around in hopes I 'll get tired like they have done in the past. But enough is enough.
Consumer complaint received 2022-09-03
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. (NJ)

I filed a dispute XX/XX/22 in regards to the incorrect items on my credit report. I sent a followup letter, it has been over 30 days and i have not received any investigation results.
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Pretender lender loan servicer " Ocwen Loan Servicing '' sent me a delinquency notice regarding the fraudulent {$750000.00} loan modification I signed under fear and distress to avoid Ocwen 's fraudulent foreclosure and trustee sale. I do n't own pretender lender loan servicer a single XXXX, in-fact they own me money. Its a good thing Ocwen XXXX hide behind there computer like little children because they would n't dare get in my face. Ocwen you XXXX have been found guilty of many violations and fraud through your XXXX years. XXXX, not XXXX. Keep on hiding behind your computers Ocwen little children. You are a joke!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

I GOT A CARD WITH XXXX XXXXXXXX IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF 2023. I HAVE MADE XXXX PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I have a mortgage with XXXX XXXX and it is serviced by Loan Care. I have been trying to get a pay-off statement for over a week. The web site request does not work ; I have been cut-off in numerous phone calls or transferred into a dial tone by surly and uninformed " customer service '' reps. I just want to pay off my mortgage but this company 's systems ( phone and web based ) are so poor that I have been unable to even get a pay-off number. This is a blatant attempt to continue to extract mortgage interest from me. There must be a solution but the company is so poorly managed that it is impossible to find it. I do not know where to turn. 

XXXX XXXX
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc (MD)

After sending a letter to Hunter Warfield requesting validation of a debt that was placed on my credit report, they have failed to respond after numerous attempts to contact them. This debt was satisfied to the original creditor XX/XX/2015.
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding LLC has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
Consumer complaint received 2016-02-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clark County Collection Service (NV)

Clark County collections was paid in full by me and my husband and they continue harassing us saying we owe more and we do n't they now are garnishing my husbands paycheck when we did n't owe anything else to them and no legal action was taking to our knowledge.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I contacted Equifax by mail twice and by phone many times asking that all unverifiable information be deleted I have not yet to receive a response. I also asked XXXXXXXX XXXX to please delete all an accurate and fraudulent accounts wether closed or open to be deleted because they were there as a result of identity theft and nothing was done I did send in all of my information to verify my identity and nothing was done I am now asking for your help there were also two accounts that were put back on my credit report that were previously deleted one of the accounts are XXXX XXXX XXXX XXXX and the other account is XXXX  I am asking for your help because I have done everything that I can do to remove this virtual information for my account I also sent the documents showing that my information was involved in a data breach with Equifax and nothing was done. Thank you for helping me.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (TX)

We applied for a mortgage and were preapproved XX/XX/XXXX. All required documents including 2 years tax returns were submitted at that time. We put our house up for sale and got it under contract and made an offer on a house and got it under contract. The house we want to purchase is XXXX below the amount we were approved for. My Quicken Loans rep called me today to inform me that after looking at my returns more closely they would not be able to move forward with the loan. We are now going to be homeless. We have XXXX+ credit scores and have XXXX % to put down. This is wrong. These companies should not be allowed to do this to people.
Consumer complaint received 2024-02-10
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. (CA)

my first letter sent to Equifax was sent on XX/XX/23 and received on XX/XX/23 and sign by an Equifax representative disputing multiple inaccurate and incomplete items on my consumer report. here 's is the tracking number for the first letter sent certified mail. XXXX XXXX XXXX XXXX XXXX XXXX. I have also sent a second detailed dispute here is the tracking number XXXX XXXX XXXX XXXX XXXX XXXX letter sent on XX/XX/23 and received on XX/XX/23 by an Equifax representative. Since there was no investigation or reinvestigation has been conducted and none of the items/ and accounts weren't deleted due to multiple inaccurate fields and incomplete items being reported on my consumer report they are in violation of the fcra
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: EQUIFAX, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as XXXX, Equifax, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
XXXX. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. More Unauthorized Inquiries- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. Inaccurate Account Information - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA.

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-09
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)

All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( XXXX ) ( Equifax, XXXX, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( XXXX ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( XXXX ) Equifax, XXXX, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had items removed from my credit report and reinserted without notification. These were items that i previously disputed. I also disputed inquiries that were removed and reinserted. They also removed collections and then put them back under accounts and then added them to collections again