davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IA)

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}
Consumer complaint received 2020-10-21
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. (PA)

I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (VA)

This claim regarding account # XXXX, in which this company claim I owed {$3600.00} and you filed suit against me on an alleged XXXX XXXX Account that was never authorized.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (AL)

In XX/XX/2021, our mortgage payment was {$1500.00} instead of the normal {$1100.00}. I paid it and thought it was the difference for insurance. XXXX came around and it was high again. After tons of call and inquiring, they filed my property tax incorrectly. I got the necessary paperwork to them. They told us to use the 15 day grace period to allow them to correct the numbers and pay our mortgage. They say we will owe {$1500.00} this month. We should get a lower payment plus last months overpayment reimbursement. Ive called 29 times. Ive been told to shut up, Ive been hung up on 5 times. I get told different things every time. No one knows what to do or how to help. They just say pay the {$1500.00} and they will fix it. I need to know what happened to the {$600.00} escrow check they sent out, when it will be fixed, and to be certain it wont reflect on my credit score. Most unprofessional company Ive ever experienced.
Consumer complaint received 2019-06-08
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. (FL)

I have a Marriott Visa account with this bank ending in XXXX. When the account had a balance last year, I set up automatic payments for this account in order to decrease any chances of it going past due. Last XXXX, Chase reported me as being 30 days late to the credit reporting agencies. From what I can tell, this was due to Chase not processing my automatic payment for some reason or another. Chase never notified me ( call, email, text, mail, etc ) that there was a problem. Had I known this was the case, I certainly wouldve taken care of the matter immediately, which was done upon receiving a notice from XXXX regarding the late. The payment amount was only {$50.00}, which I most certainly had more than enough funds to cover. This late payment has caused my FICO score to drop significantly, since its my only late payment being reported. As a result, my credit limits on other accounts have been cut and interest rates hiked, thus damaging me further. In fact, Chase slashed my limits on multiple accounts with them, plus closed my oldest account. Ive disputed this with the bureaus already and already contacted both customer service and the executive office within Chase, but they refuse to accept any responsibility or have the bureaus remove the 30 day late. At this point, my main option left is mediation with the CFPB or a lawsuit seeking financial damages theyve caused me, which I can certainly provide documentation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

back in 2016 in XXXX XXXX companies called my house one was XXXX XXXX I doid not accept the offer how did they get my number I do not know the other one was XXXX  and I told the person on the cell phone not to bother anymore recive XXXX more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the XXXX XXXX my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX when the loan company XXXX XXXX informed me of XXXX passive accounts XXXX  and XXXX and XXXX called the companies no response called and a machine answered I am asking help
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX and Equifax multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX  and XXXX report late payment in XXXX. Equifax reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX  has removed this account, Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IL)

I called BMO bank customer service to report a Fraud transaction on my account 5 debit card deduction done for XX/XX/XXXX ( pls see attached proof below ) which was not authorized at all, scammer 's that hacked my bank acct is from foreign country with No direct contact, i called my bank ( BMO ) to stop & closed my account for protection & to avoid further fraud transaction, but bank refused to talk to me & do something to avoid more an authorized transaction & advice me to go to the nearest branch & wait till they open which put my acct at risk, BMO should protect there client acct especially in a situation like this whick is emergency on top of that BMO did not even alert me through text or email! which was supposed to be there protocol when there is a suspicious transaction same as before so atleast i can confirm & stop the fraud to protect my account, which is bank responsibility and by law. i hope you can assist me on this matter.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I received a letter from convergent regarding a possible debt that I owed. I file a dispute of this debt in XX/XX/2019 asking for debt verification and validation. I did not receive any notification via mail or any information to validate the debt and they decided to place an invalid account on my credit report without validating the debt.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 at around noon I went to cash a check for {$7300.00} to the Bank of America office in XXXX XXXX XXXX XXXX, CA at first the teller asked me if I had an account, since I did not she told me she could not cash it, even though it is a check from Bank of America, because the amount was too much! I asked what is the max account she told me she could not tell me. Then she called the AVP Financial Center Manager, XXXX XXXX. XXXX, who proceeded to tell me if I did not wanted to deposit my check ( assuming I open a new account ) he " would not cash it '' because it was over the amount and I should go and deposit it to my XXXX XXXX ( my wallet was open and he saw my ATM card, I know because he pointed at my wallet ) I explained once again I wanted cash it and did not wanted to deposit it, to which he replied he would not cash because it was over the amount and he did not have to tell me what the max account is. I asked him to tell me based on what BofA bylaw was he basing his decision, he just repeated he would not cash the check for me and he left. 
I dont think I should be forced to open an account in Bank of America just so I can receive payment for services I rendered. Or as the teller told me as I was picking up my documents, go to a check cashing place where I would lose what I consider a high percentage of my earnings, or wait several days to receive payments if I deposit it to my account in my Bank XXXX as Mr XXXX suggested. Either way, I lose either time or money.
Consumer complaint received 2021-08-13
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: United Revenue Corporation (NC)

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX : United Revenue Corp Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX XXXX They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rhojo Enterprises, LLC (TX)

On XX/XX/2018 I sent a certified mail asking this collection agency to send back documentation of this. Not only didnt I get a response from Orion recover it fell off my credit and was added as XXXX XXXX XXXX.
Consumer complaint received 2021-11-10
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. (MI)

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX XXXX  credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (LA)

I was told by the person at OneMain Financial who sold me my loan that my APR was XXXX  %. The company is now charging me nearly XXXX XXXX! They have nearly tripled my APR without and notification. This was a clear bait and switch tactic, and I am now being swindled and defrauded and taken advantage of.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent certified dispute letters to Transunion and XXXX on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have notice Unauthorized Inquiries Not made by me in my Transunion Credit report I ask them if they do not have proof ( written authorization ) and they have fail to validate these erroneous inquiries.
Consumer complaint received 2021-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (GA)

I have to make payment of {$520.00} a month for my installment loan but during this situation ( corona virus ) I was trying to keep my credit right but for this situation now I have this negative Item in my report. they was trying to take the money automatically from my account but the payment was did not go through. I call the company to ask them why they never notified me about this situation and at the same time I was trying to fix it but they can't do anything and now a balance of {$1100.00} that is on my report affecting my credit score for this unfair situation
Consumer complaint received 2019-06-08
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: JPMORGAN CHASE & CO. (LA)

On XX/XX/2018, I purchased, via my Chase Sapphire Preferred Card, a  wooden carving of the XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The amount paid was XXXX. -- rupees. When I unwrapped it at home, in early XXXX, I discovered XXXX XXXX had substituted a carving of inferior quality. 

I contacted Chase Sapphire immediately ( XX/XX/2018). I wanted to return the item ( at XXXX    XXXX 's expense ) and receive credit. I first contacted XXXX  XXXX, who denied the substitution. 

Several months later I received a call from XXXX, a Chase representative. She asked whether I still had the item ; I said I did, and was awaiting mailing instructions. I asked if I should return the item at that time ( at my own expense, to speed things along ). She advised me NOT to return the item. This telephone conversation was probably recorded. 

Over the following weeks I received a couple of telephone messages from XXXX. In both cases I missed her call. She was " unavailable '' when I returned the first call, so I left a message. In the other instance the return number she provided was " not in service '', and I could not leave a message. 

I then received a notice from Chase stating that my dispute had been settled in favor of the vendor, BECAUSE I HAD NOT RETURNED THE ITEM. When I contacted Chase, another Chase representative, XXXX, advised me to return it. I did this immediately, at my own expense. 

To " reopen '' my case, Chase required that I resubmit all documentation, via fax. The closest fax facility to my home is over forty miles away, round-trip. These documents were " lost '' by Chase, and I was told to resubmit them, again by fax. 

I last spoke to Chase a month ago. I was advised that my case is under review. My latest credit card statement, which I received about a week ago, still does not credit my account. 

It has now been eight months since my initial complaint. I was given conflicting instructions by Chase representatives. There was never a good-faith attempt, at any time, to contact me. The item was returned, at my expense ( approx. {$75.00} ) months ago. I have twice had the expense of faxing documents to Chase. I have had the trouble of two forty-mile round-trips to a fax facility. I have never received any documents from Chase that they are even working on the problem. I feel I am being given run-around by Chase representatives. 

I feel this matter will never be resolved, unless I register a complaint with you. I hope you can help me with this problem, and have my account credited.