davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law.

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Consumer complaint received 2015-03-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I am trying to close a safe deposit box and saving account and the bank is completely unresponsive. We emptied the box on XXXX XXXX, but did not have both keys with us. We do not live in the same state as the safe desposit box. I mailed the keys to the bank on XXXX XXXX explaining that we wanted to close the safe deposit box, gave my cell phone number and my husband 's number. They did not respond. I contacted their online help system and exchanged emails. They were able to confirm that the keys were received, but that the box was still on my account. They gave me a number to call which was just a recording saying they would respond within XXXX hours. They did not respond.
Consumer complaint received 2022-08-06
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. (MD)

Credit ran an excessive when applying for auto after being told just one company would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the CA and creditor this not my account. I never signed application. The card was open in XXXX which XXXX club was made aware about it. They called the number of XXXX which my credit was change and PIN numbers with credit agencies was stolen. XXXX XXXX XXXX is the person using my name which I told XXXX fraud department he open the account and other account in m name.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted several letters with return receipts disputing the information that TransUnion is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that TransUnion is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ME)

On Wednesday, XX/XX/XXXX I was the victim of a scam involving a person ( s ) who created fraudulent email accounts to misrepresent my real estate agent, mortgage lender and escrow officer. I was under the impression that I was sending the downpayment for a home I am closing on to the escrow officer prior to my closing date. This scammer created multiple fake email accounts as well as had access to all of my home document information including address, total closing costs listed in my contract as well as names of those associated with my loan and their companies. 

This amount totaled {$92000.00} which was wired from my locaXXXX XXXX XXXX  XXXX account to a local JP Morgan Chase account. The fraud was discovered on Thursday, XX/XX/XXXX at XXXX at which point I called my bank and submitted a fraud report and requested a swift recall of the funds. On Friday, XX/XX/XXXX I called the local Chase Bank to inform them of the fraud and attempt to expedite the process by speaking with their fraud department so that they could respond to my fraud claim in order to freeze the account. After countless phone calls and transfers, there has been no response from Chase and no further action has progressed with my claim due to Chase Banks neglect to respond or relay this information to the appropriate department or person.
Consumer complaint received 2015-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (FL)

I requested a copy of a check I wrot against my second mortgage ( line of equity ) with PNC bank almost 2 months ago and have been getting nothing but the runaround. I 've spoken to XXXX ( XXXX ) different individuals and they all would say they 'll look in to it and call me back, but they never do. I 've left XXXX messages for XXXX XXXX XXXX at XXXX XXXX XXXX to no evai. I 've begged him to at least return my calls regardless of whether he has any information or not. But, no phone calls from nobody from PNC so far. 
They are sure quick to call when the monthly payment is a day late, but not when you want something from them. 
Thank you!
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, I sent {$7900.00} to XXXX  for a used car. I sent the money via Chase Bank to a XXXX  XXXX XXXX Account number. 

I was told I had 10 days to inspect the car once shipped and my money was put into escrow so I could get my money back at any time. 

The communication has fully stopped and their website is no longer active. I read mutiple reviews about this being a legit company. 

I have screenshots and email records of all of this. 

My bank - Chase XXXX Bank XXXX XXXX  XXXX XXXX Name : XXXX Website : XXXXXXXXXXXXXXXXXXXX  Email : XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

Tried to call the company XXXX XXXX several times in the month of XXXX about them canceling my insurance and was told my insurance was paid and and was sent a bill. I was then told it was sent to collections for auto coverage I no longer had. 
XX/XX/XXXX Amount {$580.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Adverse information is being reported on my account to credit bureaus. XXXX provided a letter to me stating no delinquencies have been reported. But XXXX and Equifax continue to report it after numerous disputes because they say XXXX is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am suffering mentally and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MO)

Received a letter in XX/XX/XXXX from Source Receivables Management to pay them for an alleged debt owed to XXXX. I have no direct contract with Source Receivables Management and sent them a letter on XX/XX/XXXX asking for validation including a copy of the agreement that grants them the authority to collect this, any insurance claims that may have been made by the creditor, verification that this alleged debt was assigned or sold to the collector, and any commission they may receive. I received copies of old XXXX contracts and a copy of an old statement but none of these other items. 
I sent a follow up letter on XX/XX/XXXX stating they did not provide all the requested documentation and need to cease and desist collection efforts including reporting since it had not been reported or completely validated and no longer communicate with me or send mail about this alleged unvalidated debt. 
Since then I received a letter asking for payment on this alleged debt. 
Finally on XX/XX/XXXX I received notification that this has now been listed as a negative report on my credit report. 
Copies of both letters attached.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have contacted XXXX, Equifax, XXXX and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with Equifax since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of XXXX has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Consumer complaint received 2022-02-08
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. (MI)

My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX SERVICE Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NJ)

Every time I am trying to login to my account to make a payment the system does not let me do that. It does not let me to reset my password. When I call customer service they tell me to try again in 30 minutes. I know I am entering the correct credentials, because I store them in my own password database. This is a very bad practice of forcing customers to be late with the payment and charge them late payment fees!
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/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 2022-08-15
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 with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX SERVICE OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX OPENED XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/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 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an address on my report for XXXX XXXX in XXXX, Texas. I have never lived in or rented a place in XXXX, Texas. I was in the military and XXXX, Texas. I have been living at my current address since XX/XX/2000. As an XXXX in the XXXX with a house note and XXXX children I did not have the money to pay for XXXX residences + care for my children and household here. XXXX is also outside of the travel area I would have had to put in for passes to travel that far. Between my children 's school attendance and my duties working at XXXX XXXX XXXX which meant that I seldom off both Sat and Sun which would have left me with no time to travel to and from XXXX even if I wanted to. I have tried to contact the address but was told that the property had changed hands many time and they could not verify any information on the person they rented to. I know that there is/was a XXXX XXXX listed in the XXXX area but it is not nor has it ever been me. I would like to have this address removed from my report.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have received correspondence from this company both by mail and by phone call. They claim too be collecting for capital one for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (TX)

XX/XX/XXXX AAFES was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with XXXX  balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.
Consumer complaint received 2022-08-15
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: TD BANK US HOLDING COMPANY (GA)

XX/XX/2022 - called reported a charge I did not recognize XX/XX/2022- the same company charged again at a higher amount ( {$450.00} ). I called was told the XXXX complaint it was in the wrong department and would now placed in fraud. 
XX/XX/2022 - I called again, the account was charged again the same higher amount ( {$450.00} ) with the same company that I reported in XXXX & XXXX. I was told it would be investigated but still the XXXX charge was in the wrong department. 
XX/XX/2022 - I sent a letter - no response XX/XX/2022 - I sent a letter and received a response that there was a credit of the two larger amounts to my card but the smaller amount of {$150.00} has yet to be taken off. 
XX/XX/2022 - I sent a third letter to ask the {$150.00} be removed and to close the account based on this back and forth and how the bank expects the consumer to DIY the statements, due dates, all acct management is shameful.
Consumer complaint received 2017-10-13
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: CORELOGIC INC (VA)

I have not gave permission for these companies to run my credit : XXXX XXXX or Credco to run my credit. Please remove this from my reporting. Thank you so very much! 

XXXX XXXX has run my credit on these days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credco has run my credit on : XX/XX/XXXX