davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase keep putting a charge off from XXXX on my credit report as if the Charge-off is current. The original card was a Chase XXXX XXXX XXXX. I recently was denied a personal loan because I had {$1000.00} Charge off debt from JP Morgan dated XXXX. I receiving JP Morgan number XXXX from the bank that denied me. I was informed that JP Morgan credit service knew the debt was charged off and they kept reporting it a current on purpose. They informed me to get it removed I need to contact the credit bureau. The Credit bureau stated JP Morgan is reporting it as current which is not true. JP Morgan is using unfair credit practices. I believe they JP Morgan Chase is doing this to other customers and needs to be stopped.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

I noticed this debt added to my credit report in XX/XX/XXXX. I have not received any notices, letters, emails, or phone calls in regards to this debt from Diversified Consultants of XXXX, XXXX I 've disputed it with the credit reporting agencies. It shows it was added XX/XX/XXXX, but I am very aware and check in regularly with the credit reporting agencies to stay on top of what is being added or removed from my credit. This debt did not appear until XX/XX/XXXX. I have not been able to reach anyone or get a returned phone call from any representative of this organization, even upon request. I 've also emailed requesting proof or documentation of this debt and to speak with a representative. I still have yet to get any correspondence of any kind. It states that I owe the amount of {$160.00} to XXXX XXXX XXXX. However XXXX XXXX XXXX has not contacted me via email, phone, or written notices. I recently had XXXX company removed stating that I owed {$160.00} to XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were XXXX account together. It was a bundle package, and was only XXXX bill/statement for both each month. This is harmful to my credit as it shows as a derogatory mark. I ended the services with them in XX/XX/XXXX, so I do not understand why almost a year later this would surface on my credit without any notices, letters, calls, or emails from XXXX XXXX XXXX or Diversified Consultants. XXXX XXXX XXXX has all current information to contact me and I have n't received anything from them. If this is in fact my debt I will pay it, I would just like documentation stating why I owe this and for what service. As I stated I ended services with them back in XX/XX/XXXX. Thank you, XXXX XXXX
Consumer complaint received 2023-04-16
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an account on Friday, XXXX XXXX, 2016 after visiting Bank of America to cash a payroll check. On Saturday I attempted to use my card and was advised that my account was being closed. I called on Monday to see why and they advised me that they did not have to tell me as it was a business decision that they made. They advised me that the payroll check which is drawn on their bank is being place on hold and that the hold went into affect on XXXX XXXX, 2016 and will not clear until XXXX XXXX, 2016. The branch manager of XXXX XXXX XXXX could not understand why they would hold a payroll check for so long since my employer uses Bank of America. They refuse to give me an explanation as to why my account is closing. They refuse to give me my funds after the branch manger has already written on the check that a deposit via my mobile device. This is beyond unacceptable as the department that is handling this refuses to speak with me nor give the branch manager an explanation. This has caused me to be late on a bill that I needed to pay and if they issue me a cashiers check via mail, I will be losing funds as they will charge me a fee to cash the check. This bank feels that they can treat me any kind of way and they do n't have to answer to anyone or give any reason.
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX, # XXXX DEPT OF EDUCATIONXXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I am listed as an authorized user on an XXXX XXXX account that was opened XX/XX/2018 with a credit limit of {$5000.00}. Equifax has neglected to reflect this tradeline on my report. The owner of the card has reached out to XXXX XXXX and they have said it should be reporting to all three major credit bureaus. Equifax continues to neglect in reporting this tradeline.
Consumer complaint received 2017-05-28
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. (VA)

My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this
Consumer complaint received 2022-09-07
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MN)

Their rewards program has been dormant/broken for 3 months now. Their terms of service states reward points will be issued with purchases. Obviously since it's been 90 days now the company does not plan on honoring their half of the contract. 

Customer service is copy paste malarkey
Consumer complaint received 2023-04-16
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. (WI)

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 2022-02-16
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. (OH)

Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

XXXX ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXX BANK Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
XXXX ) XXXX XXXXXXXX co l Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} XXXX XXXX XXXX XXXX Co L Account # XXXX Amount owed {$400.00} XXXX ) XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} XXXX XXXX XXXX XXXX CO L Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

The following text was received on XX/XX/2022 Chase : Hello dear chase customer, we placed hold on your account, please follow this steps to reactivate your Access again : XXXX XXXX XXXX
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I worked XXXX for 14 years ( XXXX ). I used my Bank of AmericanXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Bank of America said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Bank of America attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.
Consumer complaint received 2019-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (TX)

I applied for a {$5000.00} loan online and I've been speaking with someone named XXXX XXXX who claims to be from Prosper. However, he wants me to get him {$1900.00} dollars worth of XXXX gift cards after depositing {$1900.00} in my account. This was somehow to get me the {$5000.00} that I applied for.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

Navient is harassing the co-signer to my loan, forcing them to make payments and causing the co-signer 's credit appear as if their delinquent. Navient offered to work with us whatsoever and informed us that we exhausted all of our options regarding hardship, unemployment, etc. XXXX informed me, today, that my loan is current and the next payment is due in XXXX 2016 of approximately {$300.00}, however, Navient informed the cosigner that this amount is due immediately.
Consumer complaint received 2015-04-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

A XXXX fake bill collector imposter? or someone called my relitives house threatening that they were serving papers to my house or my place of work claiming they were giving me a two hour window to respond threatening legal action ..and insinuating arrest and they didnot have permission to call my ex husbands house. The number is XXXX. My XXXX complaint is a bill collector Portfolio Recovery collection agency repetitive blow up my phone calls kinda business continues to call and harrass and I dont even owe them. I had to change my ph number XXXX to avoid there company dial calls. I ask them several times to stop and they wont. they claim that I am whomever there after and are very persistent about it and demanding ... Please make them stop immediately
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Other — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

REf # XXXX Portfolio Recovery. 
The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: Acceptance Rentals, Inc. (GA)

Acceptance Rentals this company operates and the financing company for XXXX and came to an agreement to pay the account in full. Now a XXXX dollar dinette is now XXXX dollars pass due! I have written to XXXX as was informed the account was paid in full back in XX/XX/XXXX. Now my bureau report XXXX is showing this company with a large balance I do not owe. I wrote the Attorney General Office in XXXX to be advise to contact your agency. I will include the email sent to me which spoke of a closing agreement with a final payment.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BMO Bank, N.A. (WI)

I contracted with XXXX XXXX Movers for services that were never performed.. Regardless of the performance, the contract drafted by vantage .... '' ..authorizethe above named business to charge credit card indicated in thisauthorization form according to the terms outlined above. ". The contractCLEARLY STATES .... '' ... XXXX XXXX authorize XXXX Auto Movers.. '' This contract is clear and even was also provided to me by the recklessaction of my bank BMO Harris which this dispute is with. I under nocircumstances do I nor did I authorized to release via my account with BMOHarris any amount of funds to XXXX. BMO Harris sent mean arbitruary unsigned letter with a copy of contract that no where indicatesany relationship to XXXX XXXX XXXX. Regardless of BMO Harris banknow claiming, without providing any proof, that they [ BMO Harris ] now say, without in any writing are authorized outside scope of contract deliver funds to XXXX XXXX XXXX which is clearly not the " above named '' nor woulddo business with them. BMO Harris is not authorized to release any funds ofmine to XXXX XXXX XXXX ...
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I sighed all closing documents for a cash out refi on Monday XX/XX/2022. One of the documents asked where to send cash out check, and I requested to be mailed to home. Document states it will be overnighted via USPS. I waited until Monday XX/XX/2022 to reach out because I have not received check. My call was returned on XX/XX/2022 with an apology, but no explanation as to the hood up. I was told that the check was mailed on Tuesday XX/XX/2022, however it was not in the mail on XX/XX/2022. I can not get an answer from lender as to what complication is causing a hold up, or when and how it will be resolved.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. SLS told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

SLS has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by SLS.
Consumer complaint received 2024-02-16
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. (TX)

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises (IN)

On XXXX/XXXX/2022, I attempted to skip a payment and have it applied on the back of the loan. The only option I was given was told pay part of the loan in addition to the regular loan payment 2 weeks from the due date which would set me back further. I was told that since I am almost done paying the loan the are not willing to extend.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. Discover was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that Discover will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. Discover in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to Discover and all credit bureaus with the information to be corrected.