davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
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: PROSPERITY BANCSHARES, INC. (MD)

I have tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX  number, and filing a report on XXXX XXXX   website, 9 months later and I am still unable to resolve this issue.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

Credit Management , LP ( on behalf of XXXX XXXX XXXX ) is attempting to collect from me a dept that I do not owe/does not belong to me. Credit Management , LP notified XXXX credit agency with regards to this issue on XX/XX/XXXX.

On XX/XX/XXXX ( Saturday ), I received a letter from Credit Management , LP attempting to collect a debt in the amount of {$160.00} on behalf of XXXX XXXX XXXX ( Reference # XXXX, Client # XXXX, Creditor Account # XXXX, Total Amount Due {$160.00} ). This is the first time I was ever made aware of XXXX XXXX XXXX XXXX  attempt to collect a debt from me. The debt is not mine. I do not owe the debt nor have I been a customer of XXXX XXXX XXXX. On XX/XX/XXXX, I responded to Credit Management , LP via a Certified Letter with a request for validation of the debt. To date, I have not heard back from Credit Management , LP. This morning ( XX/XX/XXXX ), I received a notice that my credit ( XXXX ) had received a report of " Potentially Negative - Major Derogatory '' event reported the day before, XX/XX/XXXX reported the day before by Credit Management , LP to the XXXX Credit Reporting Agency. I have filed a complaint with the California Attorney General office, the XXXX XXXX XXXX and now here at the CFPB, as well for help with this issue.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to E

xeter for the same amount. Exeter never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so Exeter Finance has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address an error in my account that has caused me significant distress. Despite consistently making timely payments, there appears to be an incorrect late payment entry. This discrepancy has greatly impacted my mental well-being, leading to sleepless nights and heightened stress. 

I kindly request an immediate correction to my account to rectify this error. I hope you understand the urgency of this situation and can resolve it promptly. Thank you for your attention to this matter.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

On several occassions, I have disputed a TD Bank USA / XXXX XXXX XXXX   account that was paid in full to the creditor onXX/XX/XXXX. I have sent the documentation that I received from XXXX  to XXXX and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( XXXX  and XXXX ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2024-02-28
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. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report 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 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 Please remove These following inquires Immediately. I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On several occassions, I have disputed a XXXX XXXX XXXX / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/XXXX. I have sent the documentation that I received from XXXX to XXXX  and Experian that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX  and they advised I contact the two credit bureaus ( XXXX and Experian ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Account Systems of Connecticut, Inc. (NV)

" XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner.
Consumer complaint received 2018-02-08
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. (CA)

New York state had one orginal file of my mom 's first husband of XXXX XXXX XXXX who is XXXX over 700 listings and retailers wrecked on his documents attached to my documents in New York state. 

Federal not interested anymore in New York state, and won't marry into New York state New York state also frauded my family 's documents of XXXX and XXXX and XXXX and frauded using XXXX frauding my birth certificate long form of Indiana State They also let family 's bother me documents as XXXX XXXX menus and products. Federal not interested. 

Washington, Maine and Massachusetts and Rhode island and Pennsylvania and new Jersey and Delaware also frauded my documents and families documents when only XXXX XXXX XXXX was from Pennsylvania state and XXXX XXXX XXXX XXXX was from Pennsylvania state. 

Others frauded using XXXX and XXXX and XXXX and XXXX and with business permits and XXXX XXXX in all of those counties Washington State and Massachusetts and Rhode island and Pennsylvania and New York state fraud my documents.. my birth certificate of XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX XX/XX/1972 isn't from those state. 

Maryland also pulled frauding scams using my documents and Nebraska and Mississippi and Kentucky and Montana and Ohio and IA state really bad. 

Others frauded my documents using food products and receipts and tv shows. 

XXXX and Florida State and Nevada state pulled none stop frauding scams using my credit files as tv shows scripts and radio till you had to turn off the tv. 

Others pulled frauding scams using cops tv shows media scripts frauding my documents..
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (MD)

I hope I selected the right categories for the situation. I utilized Credit Karma and every week my scores are updated. My XXXX score went up XXXX point last week and out of nowhere it dropped XXXX points. I really don't know if Credit Karma is reporting accurate information. But if you all can provide me an accurate credit score I would really appreciate it.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I submit complaint XXXX, but I entered the wrong company in step XXXX of the complaint. Washington Mutual XXXX XXXX XXXX XXXX  should have been the company name listed in step XXXX, instead of XXXX XXXX XXXXXXXX. I am resubmitting the complaint with the corrected information. 

In XX/XX/XXXX, I entered into a Fixed Rate Loan Modification Agreement with Washington Mutual XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, the Fixed Rate Loan Modification Agreement was paid off by refinancing with XXXXXXXX XXXX XXXXXXXX. The refinanced mortgage was filed by title company - XXXX XXXX XXXX ( now out of business ). XXXX XXXX XXXX did not not cancel the Fixed Rate Loan Modification Agreement in XXXX  ( county ) records and it is still showing active. 

Currently, I am in the process of selling the property, but I can not move forward because of the active status of the Fixed Rate Loan Modification Agreement in the XXXX ( county ) records. 

I need the Washington Mutual XXXX XXXX XXXX XXXX. Fixed Rate Loan Modification Agreement released, so that the sale of the property can proceed. Not having the release promptly resolved puts the sale of the property in jeopardy. I have also attached supporting documents.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

I have a closed credit card account with Navy Federal Credit union. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate. 

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation. 

In addition, I have notified XXXX, along with the other major credit bureaus of this issue and they have not been able to resolve this problem. 

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.
Consumer complaint received 2021-04-22
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)

These inquiries are not mine I have never gave anybody permission for these things and unknown inquires. I have never signed any papers regarding these inquires, who ever did it but this is not legal. Please I ask you to delete them all.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

I am President of XXXX XXXX XXXX XXXX XXXX in XXXX MD. We closed a loan for clients, last name XXXX, on XX/XX/XXXX. A refinance it should disburse on XX/XX/XXXX. We called loandepot on XX/XX/XXXX asked where was our wire. They gave several excuses but no wire. We called and emailed starting on XX/XX/XXXX and XX/XX/XXXX but to no avail. Today is XX/XX/XXXX and we still do not have the wire. 

I can be reached at XXXX XXXX XXXX or at XXXX XXXX
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am having problems with a transaction that happened in a Bank of America branch in XXXX XXXX Florida. The teller charged my account for money I did not receive during a cash withdrawal transaction. I submitted a claim for the missing money, and Bank of America is not willing to work with me in settling the matter.
Consumer complaint received 2024-02-19
Product: Credit reporting 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)

I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX. This creditor/credit collection agency is fraudulently reporting this collection to my credit report since I have never signed any contract or been in any agreement with the company. I also have reason to believe that this company may not be licensed to do business in the state of Illinois. This information should be removed from my credit report immediately.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

I am aware I was violated too many times to count. As a natural person who is federally protected. I am notifying you that you have helped damage my name and my reputation and my life due to financial burdens that you have chosen to ignore and overpass negligently. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such. The truth and lending 15 U.S. Code 1607- Administrative enforcement- " ( C ) a willful violation which was intended to mislead the person to whom the credit was extended. Notwithstanding the preceding sentence, except where such disclosure error resulted from a willful violation which was intended to mislead the person to whom credit was extended, an agency need not require such an adjustment if it determines that such disclosure error -- ( A ) resulted from an error involving the disclosure of a fee or charge that would otherwise be excludable in computing the finance charge, including but not limited to violations involving the disclosures described in sections 106 ( b ), ( c ) and ( d ) of this title, in which event the agency may require such remedial action as it determines to be equitable, except that for transactions consummated after two years after XX/XX/1980, such an adjustment shall be ordered for violations of section 106 ( b ) ; '' With that in mind, YOU HAVE VIOLATED MY RIGHTS AND ABUSED YOUR USE OT ACCOUNT ACCESS AND WITHDRAWALS AND FINANCE CHARGES.

Directly quoted from YOU standards of overdrafts fees : " We wont charge an Insufficient Funds Fee if your account balance is overdrawn by {$50.00} or less at the end of the business day.

We wont charge for item ( s ) that are {$5.00} or less, even if your account balance is overdrawn by more than {$50.00} at the end of the business day.

We wont charge an Insufficient Funds Fee if your available balance was sufficient at the time your debit card transaction was authorized, even if your account balance is overdrawn at the time the transaction is presented for payment. '' You have throughout my time of using your corporation have charged me overdraft fees that you were not legally supposed to charge. I am requesting all overdraft fees be refunded by to my account. My account has been charged when less than {$50.00} has been over drafted and SO MANY RIGHTS that have been violated using YOUR standard overdraft protections according to the FDIC and TILA.

As per congress, you violated me, your corporation is criminally liable pursuant 15 usc 1611 because your corporation willing knew that you were complying to a transaction that is fraud.

I am demanding the following : - refund and return all the overdrafts that was charged to my account.
Consumer complaint received 2017-10-02
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. (IN)

On XX/XX/XXXX I received an alert that on my XXXX report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want XXXX to remove this immediately. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.
Consumer complaint received 2022-09-09
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. (TX)

Submitted disputes with XXXX, XXXX, and TransUnion regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Recovery Solutions, LLC (TX)

ON XX/XX/2022 I CHECKED MY CREDIT AND IT WAS FLAGGED BY DEBT RECOVERY THEY ARE CONTACTING ME AND I'VE ASKED THEM SEVERAL TIMES TO STOP