davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
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: EQUIFAX, INC. (GA)

On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the Equifax credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2018-03-04
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. (GA)

experian keep reporting wrong information on my report i have contacted them many times about XXXX XXXX  XXXX acct # XXXX this account has been paid in full with no balance but they keep showing a balance and saying its been certified by the company as accurate which i know experian is not telling the true because the company gave me a letter to send to them and they yet still say the information is accurate also acct # XXXX with XXXX XXXX XXXX is close and they still showing balance when i dispute items on my experian report they always say the item have been certified as accurate they are not checking the information to see is it accurate or not i am tired of fighting with them about putting miss leading information on my report i have support ducments
Consumer complaint received 2024-02-26
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. (MD)

XXXX XXXX shows Excellent approval ratings for a loan with XXXX so I took the offer for pre-approval, then applied and I was " approved '' The loan provider XXXX then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. XXXX  XXXX shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the XXXX XXXX soft pull and then the XXXX soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Hello, I have been attempting to work with Dovenmuehle regarding the arbitrary increase to my escrow payment. My property taxes are roughly {$11000.00} a year and Dovenmuehle is attempting to raise my mortgage payment by nearly {$600.00} ( {$3300.00} total with {$2000.00} to an escrow account ) to cover a shortage that is expected in XXXX, XXXXI have asked repeatedly to simply make the shortage payment as opposed to paying an extra {$600.00} per month, but they refuse to honor this option. Dovenmuehle Is attempting to take roughly {$24000.00} a year to cover a tax bill of roughly {$11000.00}, PMI of {$3500.00} and home owners of {$2000.00}, which results in Dovenmuehle maintains a {$7500.00} surplus in the escrow account. The reviews of this firm are absolutely horrendous and I never consented to XXXX XXXX Bank spinning my loan off to Dovenmuehle. I am trying to XXXX options before my new payment is due on XX/XX/2022. I have never missed any debt payment and fear this will bring unnecessary financial hardship. Thank you for support.
Consumer complaint received 2021-12-09
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MS)

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (WA)

XXXX, WA XXXX Former XX/XX/XXXX I did not live here in 2015 in fact I still lived at XXXX XXXX XXXX XXXX. XXXX XXXX Wa, XXXX XXXX XXXX XXXX XXXX Current Currently the XXXX at XXXX XXXX XXXX   XXXX  XXXX WA Account Number Account Status PAYS_AS_AGREED Available Credit {$2200.00} Reported Balance {$1100.00} Debt-to-Credit Ratio 54 % This is a duplicate account
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have three open credit cards with company. All have a XXXX balance and was never late. 
not all accounts are being reported and a XXXX balance is being reported on one. 
All credit agencies need to be updated with the correct information.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2013, XXXX days before the DOJ announced its landmark $ XXXX settlement of the Chase XXXX Lawsuit, JPMorgan Chase Bank, N. A., outsourced the servicing rights to hundreds, ( and possibly XXXX ) of DOJ-designated " Toxic Mortgage '' loans, originated by the Chase-Direct Non-Prime Lending Center. The net-effect of this clandestine " Eleventh-Hour Maneuver, '' was that these newly-outsourced " Toxic Mortgages '' ; including Mortgage Numbers : XXXX, contained in RMBS : JPMAC XXXX, were then ineligible to receive consumer relief under the $ XXXX Consumer Relief Provision, of the $ XXXX Chase XXXX Settlement with the DOJ. The net financial benefits of this fortuitous outsourcing maneuver to JPMorgan Chase Bank, N. A., is  unknown ; however, the end-result was that it allowed the defendant in this lawsuit, to designate the lien-holders to which this $ XXXX " restitution '' was to be given. This unprecedented act of the DOJ to allow the defendant of a lawsuit, to designate who the recipients of the monetary damages awarded, is like " allow the Fox to Guard the Hen-House '' ; however, even now, XXXX years later, no federal fair XXXX XXXX XXXX has registered a single-comment on behalf of the mostly XXXX Americans lien holders of the tens of thousands of Chase-originated " Toxic Mortgages ; and it is clear, that this is been interpreted " as a blanket-vote of approval by these agencies regarding this XXXX of justice to these XXXX American Lien-Holders ''. To emphasis this point : It appears that some form of bail-out, restitution, relief or other form of compensation has been offered to corporations and consumers adversely affected by the " criminal, felonious acts of major financial services institutions and National Banks during this period of sheer madness during the past decade ; however, economic indicators, in particular : home ownership rates for XXXX American consumers, have not recovered, and frankly, may never recovered to the levels which existed before the real estate collapse of XXXX. When JPMorgan Chase and Company were named the " XXXX '' of the XXXX consumer relief that was assessed by the DOJ, they had a unique to " right some of the wrongs '' done by them with no additional fines or levies ; however, they chose to do just the opposite by conspiring with its business partner XXXX to deprive lien-holders of Chase-originated " Toxic Mortgages '' with the consumer relief that they deserved.
Consumer complaint received 2018-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My tenant has been using XXXX to transfer funds from her XXXX XXXX account to my Bank of America account since XX/XX/2017 without a hitch. The funds have been transferred within minutes as per the marketing claims, until last month. Suddenly, whenever she transfers the rent money the funds are being delayed. I called Bank of American about this last month and the guy said it sometimes takes up to XXXX hours for a transfer from another bank to go through. Then, almost as soon as I got off the call, my money was released into my account. 
They held the rent transfer again this month. When I tweeted BofA_Help about it they didnt respond, so I called this morning. Today, they said it takes one to three days for transfers from another bank. I informed them that I checked both their web site and XXXX and they both say the same thing. Transfers from new registrants may take one to three business days. I asked for an explanation as to why only these transactions are being held and they couldn't give one. There has been no change in the tenants bank so she did not have to re-register for XXXX and there is no reason for them to withhold my funds. 
For the record, other transactions from this same person have gone through without a problem within the last two weeks. Also, I have no problems receiving funds via XXXX from people who bank at XXXX or other banks. All of those transactions have gone through without a problem so their foolishness about transfers from other banks taking one to three days is absolutely not true.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I purchased a refurbished exercise equipment from business called XXXX XXXX via an EFT transfer for {$2800.00}. I provided the business with my checking account information so that they can do the EFT transfer. 

My bank ( Chase Bank ) called me on XX/XX/12 to make sure I did authorize the payment and I did confirm that. I called them very shortly after to ask if I'm protected in case the business is scamming me and the guy on the phone said yes. I specifically mentioned EFT transfer and his answer was yes. Both phone calls are supposedly recorded. 

Unfortunately, I started having suspicions of the business right after I authorized the payment ( just reading bad experiences from people on several web sites ). Because Chase bank told me I'm protected, I was less worried and took the chance. 

I think I would have had a chance to immediately cancel the payment had the Chase bank associate told me that I was not protected. 

A week after that ( don't remember the exact date ) and after I have not received any response to an email I sent to XXXX XXXX, I called the bank and asked them to recover the money. 

This time, Chase told me that they can not help me because EFT transfers are not covered under federal consumer protection laws. 

I already filed complaints with XXXX, Attorney General of Texas, and the FTC. The FTC directed me to file a complaint with you regarding my bank.
Consumer complaint received 2020-11-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XXXXXX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX )
Consumer complaint received 2019-03-09
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. (OH)

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.
Consumer complaint received 2021-12-09
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX )
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc (IN)

I am a consumer of the United States and XXXX XXXX XXXX XXXX is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to XXXX XXXX to contact me at any given time or place as well as never giving them any of my information. The fact that XXXX XXXX has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm XXXX XXXX XXXX XXXX has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021
Consumer complaint received 2021-12-09
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. (GA)

This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Evening, I'm writing because Experian has not updated my credit score since XX/XX/2020. I've contacted all my credit card companies and they informed me that they have been accurately reporting every 30 days and that I need to reach out to Experian as to why they are not updating my credit score. On XX/XX/2020, my Experian score went up by 90 points ( picture attached ). On XX/XX/2020, Experian dropped my credit score by 82 points ( picture attached ) with no explanation. I have an online Experian account and usually when your score drop they give you some type of explanation, but this time they didn't. On their OWN website ( picture attached ) they say an average of 5-10 points will drop from a lender of an hard inquiry which I had none at the time of this drastic credit drop so what could have been the reason for such a huge drop? I applied for a credit card but that inquiry wasn't until on or around XX/XX/2020 which was way after my score dropped 90 points. Experian not reporting my score accurately has negatively impacted my life with regards to car loans/house loans as Experian is the go to credit agency. I've written a complaint previously with no results as CFPB just keeps marking my complaint as the same issues as earlier when that's not that case and they are not properly investigating as to what's going on with Experian not reporting my score for 4 months. I am asking CFPB to please contact Experian as trying to contact Experian is a job alone ( I can not find a working number for Experian for 6 months now ) and try to determine what is the problem as I feel Experian is pushing their Experian Boost ( add your cell phone or electric account and watch your score go up ) and if you are not interested in Experian Boost, then your score will remain the same. This had been ongoing for too long without any options for me to explore for a positive outcome. Thank you for any assistance CFPB can provide.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (FL)

THE ACCONTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.