davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc. (NC)

I have closely been monitoring my credit reports. My credit reports have two debt amounts of {$720.00} and {$1200.00} from Stern Recovery Services whom they have stated I owe Stern Recovery Services. After speaking with a representative from Stern Recovery Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Stern Recovery Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the Stern Recovery Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Stern Recovery Services and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Stern Recovery Services can furnish to me.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report
Consumer complaint received 2019-06-07
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. (FL)

EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXXXXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IL)

I was trying to sell an antique set of china. I got a buyer who sent me a certified check. Before I continued or did anything with the buyer I went to Chase bank to make sure that the deposited check cleared and there was no way that the check could be reversed. I was assured while I was at the bank that the check cleared and everything was good with the transaction. So I moved forward with the buyer who then decided he did n't want the china. I had a XXXX created and gave him his money back. The very next day Chase informed me that my account was overdrawn ( never happened to me before ) and that the check was fraudulent. 

I then immediately called the bank to see what was going on and to figure out what to do. They explained to me that there was nothing that could be done and it was fraud. I asked them to explain to me the reason they could n't help me especially since there was a bank error involved in the transaction. They said there was simply nothing they could do for a good customer. If there really is nothing they can do then I will move all of my accounts to a different bank who values their customer as well as, and more importantly, tells their customers correct information. I am very disappointed in Chase Bank. Do not bank at Chase they do not value you or your business.
Consumer complaint received 2021-01-29
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. (MN)

There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

Barclays has been ridiculous lately. I have a 720 credit score and recently applied for their XXXX card. I am a longtime Barclay 's cardholder with flawless payment history. They rejected me a few months ago for " too many new accounts and inquiries ''. I waited a few months until my credit strengthened and applied again. With a stronger credit history than when I got my original card with them, THEY DENIED ME SOLELY ON THE BASIS THAT I HAD BEEN DENIED PREVIOUSLY, NOT TAKING INTO ACCOUNT AT ALL THAT I AM A PRISTINE CUSTOMER OR THAT I HAVE NO LATE PAYMENTS OR COLLECTIONS OR ANYTHING BAD ON MY CREDIT AS OF NOW. So I called their reconsideration line and spoke with XXXX, employee ID XXXX and his associate. They had clearly made up their mind that I was an awful credit risk due to my new accounts and inquires. He and his associate half heartedly offered to " reconsider '' my application but essentially gave me the feeling the would deny it anyway because I am this deadbeat who can not be trusted, so I declined. They wouldn't even move part of my existing line to create a new card without a full credit review ( which I feel they would have denied ) because of the dreadful risk that I am ( again, no late payments, or over the limit occurrences ). Further, I should note the only reason I am applying for the XXXX card in the first place is because they won't do a product change of my XXXX XXXX card to the XXXX card. I don't want to close the XXXX XXXX card because it has a long account history. That said, for both their XXXX and XXXX products, they told me I had to apply for new cards ... and then denied me for applying for new cards. I admit that I use credit, am constantly looking for lower interest rates and better rewards, so I open/close credit cards regularly. That said, I pay them. XXXX should have to take into account the fact that I'm a good customer when approving applications.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON,XX/XX/XXXXMy card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.
Consumer complaint received 2019-06-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ditech Financial LLC (PA)

In XXXX I purchased a manufactured home. I have been making automatic payments on the XXXX of the month, every month since then. In XXXX Ditech became the loan servicer for this account and continued to collect these automatic payments. The amount due has always been in my account and deducted. I have never been late. On XX/XX/XXXX I received a billing statement from Ditech claiming that I was late on my mortgage payments and that XXXX and XXXX had not been paid. Both payments had been deducted from my account on the first of the month and are documented in my bank statements. On XX/XX/XXXX I called Ditech to correct the error. I spoke with a man named XXXX. He told me that for some reason Ditech claimed I had a {$50.00} late fee and was holding the remainder of the funds in suspension. He agreed that I had never been late and that the late fee was an error. He spoke with his manager and assured me that his department put in a request to rectify the error and bring my payments up to date ( remember Ditech has my money, they just aren't crediting it to my account ) and that everything should be fixed by Tuesday of the following week ( XX/XX/XXXX ). I asked him what he meant by request and what I should do if this 'request ' wasn't honored. He said it would be, that his department put the request in to another department that would make the changes. No guarantee, of course, but what can I do over the phone? On XX/XX/XXXX, Ditech again deducted my XXXX payment from my account. However, they also reported to the credit agencies that I was late on my payments. My credit score has dropped from XXXX to XXXX. This will cause irreparable harm to my finances and most likely result in increased APRs on my other accounts, which I can not afford and should not be experiencing, as I've worked diligently for over 30 years to pay all of my bills on time. Interestingly, when I called Ditech 's XXXX number and gave my account information, the system reports my payments as current.
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I did schedule with my XXXX credit card a payment of {$300.00} on XXXX XXXX ONLY ONE TIME. When my XXXX credit card withdrew {$300.00} from my bank, I didn't have enough funds on my account so Bank of America returned {$300.00} and also charged my {$35.00} overdraft fee which is fare and I agree to it. But then my bank suddenly let my credit card charge my account {$300.00} SECOND time and again returned this amount back which cost me ANOTHER {$35.00} overdraft fee which I don't agree to pay to my back because I haven't schedule it twice. It is absolutely not my fault that my bank let my credit card charge them twice instead of only one time and I'm not responsible for paying double overdraft fee for the same transaction of {$300.00}. If my bank does this manipulation without my permission, then it shouldn't charge two times. I explained it all to an agent of Bank of America but, AS ALWAYS, they can't help which is why I have to write my complain here. Thank you for reading it.
Consumer complaint received 2021-01-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2019-06-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (GA)

I have a lease that is on auto payments and the payments were supposed to of been deferred because of a hurricane in our area. One car was deferred but they didnt defer the other on and the payments starting coming out after the payment was due. This started in 2018. Chase has admitted it was their fault about the deferment but they said they cant do anything about the late payments. This has affected my credit in a big way and needs to be fixed asap.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bursey & Associates, P.C. (AZ)

Back in XXXX My husband got a XXXX Credit Card and I was on account. He was sent to XXXX for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information that XXXX XXXX supplied to XXXX, XXXX, and Transunion. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (UT)

I have now had two overdraft fees with Huntington Bank and when I have tried to contact them regarding the timing and problem I have received an automated system message that there is a system error and that there is no assistance at the time and the machine hangs up on me. 

The first overdraft happened on XX/XX/2019, on XX/XX/2019 after my flight landed {$100.00} was transferred from my XXXX XXXX Primary Account in order to ensure the amount was positive within 24 hours. I received an email on XX/XX/2019 notifying me of the overdraft and that I was protected by Overdraft Protection however I had previously transferred the funds the day before. This resulted in a {$37.00} Overdraft fee accessed to my account ( though their messaging told me that I had protection for overdraft on the morning of XX/XX/2019. ) The second situation happened today on XX/XX/2019. I received notification when my flight landed that my account was overdrawn however I ( again ) had been traveling for work and was in the air most of the day unable to have internet access in order to transfer funds from my XXXX XXXX Primary Account into my Huntington Account. I called Huntington and each time I was greeted with an automated system that there was a system error and I could not be helped then hung up on. 

This is completely unacceptable as this is the second time I have tried to transfer money from my primary account to my Huntington Account ad have been denied and charged an Overdraft Fee though funds were sent the day of and communication was failing on Huntington 's part.
Consumer complaint received 2019-06-07
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. (FL)

TRANSUNION HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE.

TRANSUNION IS IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE TRANSUNION CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
TRANSUNION DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through Equifax and XXXX. Equifax and XXXX  each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX which shows no bankruptcys in their system. How is it that Equifax and XXXX verified through XXXX XXXX  and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA Equifax and XXXX would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX  and a letter from the XXXX district of Tx.