davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-10-15
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. (CA)

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MO)

I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2022, the Chime app notified me of XXXX charges of XXXX and XXXX at XXXX XXXX XXXX in XXXX, PA, on my checking account using my debit card while i was at work ( In XXXX XXXX, PA ) totalling XXXX. I checked my wallet and my debit card was in it, making this impossible. I immediately cancelled my debit card knowing that someone had my debit card number. No more than an hour later, I put in a dispute on both charges on my Chime app, in which I stated that I was at work with my debit card. On XX/XX/XXXX, I received an email stating that my dispute was denied because both charges were authorized. I called Chime member services the same day, and they stated that I would need to start a rebuttal and provide " more details ''. On XX/XX/XXXX, I responded via Email with more information. I provided an incident report from the XXXX XXXX Police Department, and the merchant location and information provided to me by the XXXX XXXX XXXX XXXX Department. The XXXX XXXX XXXX Department refused to release any charge or footage without law enforcement authorization. The XXXX XXXX Police Department has XXXX officers on duty and still has not called Redners to this day. I provided Chime with enough documentation that my debit was used without my knowledge. On XX/XX/2022, after XXXX weeks of phone calls with Chime XXXX XXXX, I closed my account and still have not been given the {$290.00} back.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

PHH Mortgage was my Lender and my Property taxes of {$1600.00} were due on XX/XX/XXXX, which I have an escrow account setup. I was in the process of refinancing with a new lender when I found out during my title search my XX/XX/XXXX taxes were delinquent. I notified PHH tax department of my delinquent taxes around XX/XX/XXXX. They failed to pay my taxes until after I closed on my refinance. After I closed they sent the late tax payment to my town on XX/XX/XXXX, which my town sent back to them on XX/XX/XXXX because we had already paid the delinquent taxes. PHH mortgage keeps telling me they do not owe me this money because they " paid it '' but their check was never cashed by the town. I have proof from the town the checks were mailed back to them. I also incurred late fees and interest from their lack of making prompt payment to my town. See attached copy of returned check letter as well as my closing documents see page 23 line F5 and also see pages 92 and 93 for delinquent tax information, which was paid by my closing lawyer.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (CA)

On XX/XX/2020, I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. XXXX XXXX  was one of the agencies and The Offices of Credit Management was the other. I spoke with XXXX XXXX at XXXX XXXX  and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted Credit Management who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. XXXX XXXX reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying Credit Management. I sent proof of all my payments to XXXX  XXXX. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from Credit Management did not happen. I called them and they told me that XXXX XXXX  was taking over the account and to contact them. I called XXXX XXXX to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to Credit Management. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX & XXXX themselves never reporting me as delinquent, and now XXXX XXXX   has proof that as of XX/XX/XXXX, I made all my payments on time to Credit Management. I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person at XXXX & XXXX to discuss this matter.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (VA)

I contacted the company to set up a payment arrangement via ACH payment. Three payments were processed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as paper checks, which I did not authorize that form of payment. I called in to get the transactions reversed because i did not authorize the form of payment and Manager XXXX XXXX informed me that the payments were processed as ACH payments even though I provided proof via bank statement that the payments were processed as checks. The company is refusing to refund my payments, therefore legal action will be taken.
Consumer complaint received 2022-11-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

-ID Theft, Fraud -- Please help! 

Dear Sir, My name is XXXX XXXX. I have a BoA CHECKING account ending XXXX. Recently, an auto loan account suddenly emerged under my account. The suspect used the name XXXX XXXX ( different than my name XXXX XXXX XXXX, my home address and made an auto loan for $ XXXX There is nobody in my family or relatives whose name is XXXX XXXX XXXX and there nobody in my family who made this loan Bank of America keeps imposing a fake loan into my bank account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX Edit account name Account XXXX Hide Loan account number Current principal balance : {$57000.00} Original loan amount : {$57000.00} Date of XXXX XXXX months This Loan account does not belong to me, however, after several times of long phone calls, BOA still put this into my account XXXX and continue to send me mails requesting for payment. Very disappointing. Request : BOA please remove this loan from my account. 

Per the mails rec 'd from XXXX XXXX XXXX XXXX XXXX, the Suspect ( XXXX XXXX XXXX also made other fraud theft including : XXXX XXXX XXXX XXXX cell phone lines from XXXX and XXXX for approximately {$100000.00} in total
Consumer complaint received 2022-11-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-15
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. (CA)

XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2022-05-02
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. (NY)

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # # # # # # 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 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (SC)

We have a mortgage that the company holds us in escrow. In reviewing our tax history they have not paid our taxes on time for the past 4 years of taxes, and of course it comes out of our escrow so we actually are paying these fees, the fees total {$430.00}. I contacted the Federal Trade Commission and they advised me to contact you regarding what we can do. I did email the mortgage company and they gave a non-answer or explanation.
Consumer complaint received 2022-11-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX SCHOOL XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced. 
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing. 
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain. 
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I have been dealing with Select Portfolio Servicing who are the so called servicer to a loan that they have yet to prove they own. I have been trying g to get a loan modification or any type of help to avoid my house being sold. They have constantly been violating my rights and are violating the dual tracking law. They are refusing to have me speak with someone who can look at my account and explain to me the questions l have. Their customer service is not helpful because will constantly tell you they cant help you. Their ombudsmans department died t get back to you. Time is running out for me and I dont seem to have any help. Please help
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch (DE)

Crown Management attempts to collect on Fraud Account after it was advised to cease and desist all collections and violating my rights under the FDCPA. Also Crown Asset Management is an accused notorious violator of federal debt collection laws known as the Fair Debt Collection Practices Act ( FDCPA ) and is sued regularly by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts.
Consumer complaint received 2021-03-02
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. (AR)

Effective today, XXXX, I received an alert that my Transunion Credit score had decreased by XXXX points in less than a week ( from XXXX ... to XXXX ). 

After pulling my Transunion credit report, and after thorough research, I realized that nothing had changed to warrant such a drastic drop. The only changes that had occurred was that I had consistently paid off debt and decreased my utilization rates on credit cards and lowered balances on mortgages, car loans, etc. No closing or opening of credit ... no late or missed payments, no derogatory entries, etc. 

After speaking with a Transunion representative, they couldnt justify any information that would have merited such a credit score drop, yet they dropped my score anyway. My only conclusion is that they are dropping consumers scores in order to benefit their paying customers ( mortgage companies, car dealerships, apartment owners, insurance agencies, etc ) by providing them with the means for overcharging us in regards to increased interest rates. 

We consumers are not Transunions customers ; rather, we are their product ... and as such, they are constantly and continually creating and adjusting their algorithms in an attempt to give their paying customers the ability to overcharge us interest rates unjustly. 

I have done nothing but continued to pay off debt in a timely manner, without creating new debt, yet Transunion chose to reward my diligent and responsible payments by decreasing my score. Why are they allowed to suppress and oppress consumers who are doing the right thing? How can they continue to disenfranchise us by exploiting us? What they are doing is nothing short of unethical and borderline illegal. 

Please consider investigating my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (VA)

I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.