davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (GA)

I have a car loan with Consumer Portfolio Services in XXXX, CA. To date, they have not sent customers any notice regarding relief during the pandemic. Ive spoken with a representative on XX/XX/XXXX and again on XX/XX/XXXX. The representative stated that they are waiting on upper management to make a decision. They are offering nothing to help their customers.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also TransUnion and XXXX are reporting new hard credit inquiries from XXXX XXXX  XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (AR)

We are supposed to close on the sale of our home Monday XXXX. Our closing agent found out that we have two lei holders. We refinanced with Mr. Cooper in 2017 but XXXX XXXX  never was taken off as leinholder. XXXX XXXX  says we own nothing and Mr. Cooper should have removed their lein. Mr. Cooper says XXXX XXXX  should have done it. I am about to lose the sale if this isn't cleared up. I have spent many hours trying to resolve this with no success.
Consumer complaint received 2020-07-13
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.
Consumer complaint received 2020-07-13
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 couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a notification on my mobile device regarding unauthorized charges ( total amount of {$1000.00} ) made against my checking account with Chase Bank. Immediately, I contacted that institution concerning the fraudulent transactions whereas Chase Bank took the following actions : 1. Cancelled my Chase ATM debit card 2. Reissued me a new Chase ATM debit card 3. Reversed the unauthorized charges. 

Subsequently, on XX/XX/XXXX, the unauthorized charges were reinstated on my checking account. After numerous discussions with representatives from Chase 's claims department, including my numerous requests for their investigation procedures pertaining to my account, and any evidence regarding the unauthorized transactions, I was told they concluded the transactions were my responsibility and are in the belief that I had conducted them. I find this preposterous. Under Regulation E of the Federal Banking Code, I am warranted consumer protections against fraudulent activity committed against my bank accounts.

Chase Bank is alleging the transactions are mine. How can this be when the fraudulent activity occurred in XXXX California while I was in XXXX XXXX? The criminal acts began at XXXX XXXX  with the final occurrence at XXXX XXXX. I had last used my Chase debit card that same day at XXXX XXXX. So what Chase alleges, is that I purchased multiple items in XXXX XXXX and somehow made it to the XXXX XXXX XX/XX/XXXX store in a little over two hours. That is logistically impossible. However, Chase refuses to listen to logic and insists I am the person who made the unauthorized charges. I will reiterate, they have not released, to me, any information regarding their investigation into this matter, nor have they provided any evidence as to committed the unauthorized transactions. I strongly suspect, Chase Bank did not perform its due diligence investigating this matter, and figured their path of least resistance is to blame the customer as opposed to making a good faith effort in discovering the truth.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-13
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

My wife is an authorized user on my XXXX XXXX  account and she is the person who pays the bill. She has a card with XXXX XXXX, in her name, pertaining to my account. On XX/XX/2018 my wife called in a payment to XXXX XXXX  to pay the bill in full. The automated voice stated that the balance on the account was {$500.00} and asked if she wanted to make the minimum payment or if she wanted to pay the bill for the full amount due of {$500.00}. She made the payment in full for the {$500.00}. Yesterday, XXXX XXXX  called our home to state that they wanted to speak with me. My wife put them on speaker phone and I gave them permission to speak with her but they stated that " Massachusetts law '' would not permit them to speak with her. I asked that they cite the law they were speaking of and they had no knowledge of the law - but doing what they were " told to do ''. Needless to say, they never had a problem taking a payment from my wife over the phone. They then went on to state that we were delinquent approximately {$20.00} due to interest ( {$10.00} ) and a late fee ( {$10.00} ). We inquired how there could possibly be interest charged to an account that now has a XXXX balance for the next billing cycle after the bill was paid in full. This was even confirmed with their automated pay department. We have had these issues in the past. Once before, the bill was paid in full by my wife over the phone. Two months later my wife and I went to XXXX XXXX and our card was declined because there was a {$2.00} " service charge '' balance that was not paid the month prior, although the bill WAS PAID IN FULL!!!!. If this is happening to us, this is certainly happening to other card holders!!! They are nickel and diming their customers on bogus fees and interest charges on ACCOUNTS THAT HAVE XXXX BALANCES!!!!! The person my wife and I spoke with was XXXX XXXX ID # XXXX, who identified herself as a manager, refused to speak with my wife even after I gave her permission to do so and asked me if I wanted to authorize a payment ON " HER '' BANK ACCOUNT - ON THEIR RECORDS, WHICH MY NAME IS NOT ON!!!!. IT IS HER PERSONAL BANK ACCOUNT!!
Consumer complaint received 2020-07-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (AZ)

I applied for a VA home loan with Veterans United Home Loans on XX/XX/2020, I worked with XXXX XXXX, XXXX XXXX and XXXX XXXX. I was told that I would be given a pre approval for my loan of XXXX once issued I requested an increase to {$220000.00} and I was assured that this was a pre approcal and I could proceed to go shopping for a home not to exceed {$220000.00}. I was able to find a home within my price range paid the earnest money, inspections cost and appraisal fees. Two days before the close of escrow the lender tells me that im now unapproved for the loan because of a new debt that I went and acquired after I applied for the loan. XXXX XXXX then proceeds to email the title company and tells them that I applied for debt after the loan and I should not be given my earnest money back. It isnt true that I applied for new debt I purchased new vehicles on XX/XX/2020 in which those inqueries showed on my credit report at the time that Veterans United Home Loans pulled a copy of my credit report. I feel like I am being done wrong as a customer because the loan officers didnt do there due diligence I didnt conceal or hide any information from them at the time of the loan and now not only am I on the verge of being homeless Im also out of pocket close to {$2200.00} due to their mistake. If they wouldve in fact gave a true pre approval this wouldnt have happen at all. They say they give true pre approvals but are only using a desktop underwriting software and the problem with that is that issues are found on the back end versus the front end. I dont want to happen to other XXXX veterans.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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 2020-07-13
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (PA)

I'VE CONTACTED PHOENIX FINANCIAL SERVICES TO VERIFY DEBT IN WHICH THEY'RE UNABLE TO BECAUSE OF HIPPA VIOLATIONS WITH THIS BEING AN HOSPITAL ACCT LINKED TO XXXX XXXX XXXX. THIS DEBT LISTED IS A HIPPA VIOLATION IN WHICH THE 3 BUREAUS KEEP REMOVING AN CONTINUE TO PLACE BACK ON MY CREDIT REPORTS WITHOUT ANY WRITTEN CONTACT WITH ME. THIS NEGATIVE DEBT REFLECTS POORLY ON MY CREDIT REPORTS AN THE 3 BUREAUS ARE UNLAWFULLY PLACING HIPPA WITHIN MY CREDIT FILES. PLEASE ASSIST WITH THIS MATTER. THANK YOU
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America failed to satisfy the mortgage on our home and or release the lien on our home. This mortgage has been paid in full for 8 years. We and our bank have made numerous requests for Bank of America to rectify this situation and they have done nothing. They do not return phone calls, they will not let you speak to a supervisor. We have been trying for 3 weeks just to get someone to tell us where they are in the process and they refuse to give us any information.
Consumer complaint received 2020-07-13
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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX  XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX  XXXX is reporting inaccurate information. I want this removed from my report.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I received a statement from Chase basically displaying they have a check in my name for my remaining balance. I never got my remaining funds. I asked Chase to send it out to me and they are giving me no good reason as to why they can't send it to me. Just that they don't want to send it. Chase has been holding onto my funds for XXXX  years now. Do not bank here. They are thieves!
Consumer complaint received 2020-06-26
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: Amsher Collection Services, Inc. (SC)

Amsher Collection Services has provided information to XXXX and the other reporting companies. They can not find me in their system by my social Security number, or my name. 

They indicated that they did not know whom reported to them that I owed them money and I was not in their system. 

i spoke with XXXX at XXXX in the afternoon on XX/XX/XXXX, It is scary to me that a company can report on my credit information that they can not only NOT back up, they do not even have my name in their system????????? The amount billed to my was {$310.00} XX/XX/XXXX XXXX XXXX XXXX did the same thing to my Credit report after 4 months and several filed complaints it was found that a women in another state with a completely different name and social ( which they would not disclose ) was the person they were attempting to collect from.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (SC)

Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer XXXX  XXXX XXXX at least $ XXXX. We have been divorced for nineteen years. I have never had an account with XXXX I have never acknowledged this debt. It is not mine.