davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

Friend of mine passed away XX/XX/2020. I was named Successor Trustee on his Trust. Closed account at Chase Bank the first week of XXXX, but second account was in his personal name. Was told to get Letters of Administration, and become Personal Rep. Contacted attorney. Went back with LOA and death certificate, and account was now turned over to Deceased Client Department. When calling that Dept, no one answers the phone. Had to email. In XXXX, rep called me back to say that they needed a Trust Certification. I explained that I already closed out the Trust Account, but then she said that the Trust was the beneficiary of personal checking  account. I did not need to supply Chase Bank with LOA, and I should have been able to close the account the first week of XXXX when I closed the Trust Account. Now that they have seen that they misguided me, they are now holding the Social Security payment made on XX/XX/XXXX. Branch Manager said I needed letter from Social Security stating that the funds would not be reclaimed. SS rep said there is no letter because ss payments are paid in arrears and he is entitled to the check because he lived until XX/XX/XXXX. Chase Bank also said that they have a contractual agreement to hold the funds for 6 months unless I get a letter. SS also said there is no such rule. Now SS needs to get in touch with them and tell them I am entitle to the funds, so they can go to the estate. What a waist of time.
Consumer complaint received 2020-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I not only should qualify for borrower defense to repayment, I should also qualify for public service loan forgiveness and I am just getting the runaround on both of these issues from XXXX. My loans were put into forbearance while my borrower defense application was being considered, I did not ask for my loans to be put in forbearance they chose to do that, but all of a sudden now I see I have a payment due in XXXX. I put in my application for public service loan forgiveness recently, for the second time, and they are saying they never received my first application which I did in 2016. I provided all of the documentation to show that I worked for XXXX   XXXX for the past 11 years and they are saying that I only qualify for four payments. All of this is a giant mess and it is so negatively affecting my life to the point that I really may become homeless because I have to pay such high rent because I can't qualify for any kind of mortgage because of my student loans which should be forgiven either through borrower defense or through public service loan forgiveness. I can not get a straight answer from anyone on any of this. I am a XXXX XXXX I am making no money and I'm doing the best I can I really need help!!
Consumer complaint received 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (AZ)

Amerifirst financial failed to close a loan. They made empty promises and told the buyer they will close as well as the seller. They failed to put the client in any sort of underwriting until 2 days before close of escrow because they forgot about the file. They shared the buyers personal information as well as the ssn with all parties. Costing the seller over XXXX in damages
Consumer complaint received 2019-10-29
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. (GA)

There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I sent a certified letter ( XXXX ) to Experian for a re-investigation on accounts that were previously disputed. The letter was then received by Experian on XX/XX/2019 at XXXXper USPS tracking. The letter clearly stated the following information. 

I then received a response from Experian on XX/XX/2019 stating they were not going to re-investigate the accounts unless I submitted documentation to support my claim as they were deemed as " accurate & verified ''. 

Experian refuses to delete/correct blatant INACCURATE information directly pulled from their report. 

Please see attached letter that was sent outlining each account with their respective violations ( FDCPA ) & blatant inaccuracies. 

FCRA states its the sole responsibility & burden of each credit bureau to conduct a proper legal investigation. Also that the information reporting is 100 % accurate & verified or needs to be removed immediate.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by RESURGENT CAPITAL SERVICE, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I tried to remove my security freeze recently via their site page but instead received the following attached screenshot. This has never happened in the past and as I'm currently busy with other things, it's extremely inconvenient that I have to send in this request via mail when before they had already obtained all the information needed for my digital authorization. This has caused monetary damages on my end since now one out of the three credit bureaus isn't releasing my credit score. I will not be renewing their security freeze service going forward. I've also tried calling and seeing if I could talk to a representative but their abysmal phone prompt system led me nowhere and the fact that there was no chat service present wasted even more of my time. Please learn from my experience and don't use experian for their shoddy design and nonexistent service.
Consumer complaint received 2024-02-29
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. (MI)

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 ad
verse 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 2020-05-06
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. (AL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/XXXX, I received a letter of sale from Mr cooper Mortgage Company to XXXX XXXX XXXX. The letter is dated XX/XX/2019 ans I am to be given 15 days notice under RESPA. 

The problem I am having is that Mr. Cooper was on XX/XX/2019 supposed to do a Escrow analysis to establish to following years payment. I can only see the amount online as to the amount put in escrow which is XXXX along with any future payments into the account of XXXX for XXXX and XXXX. The problem with this is my taxes of XXXX are due in XX/XX/2019 as they are paid bi-annually. I have no idea of the status of the escrow or any shortages on this account before the transfer to a company known to not even pay taxes or evaluate escrow. 

I have to re-finance the house and can not get the correct data during the transfer and it will be up to 60 days until I can get this loan out of the predatory hands of XXXX. 

My request is simple that Mr. Cooper provide in writing an escrow analysis as of date of transfer oer even put something in writing on the account so I can refinance. They refused my request twice when I called saying since they sold the loan they didnt bother to establish my escrow dollar amount before transfer for me under 12 USC 2605 and although they may be exempt under the 15 day rule, they were supposed to run the escrow at the beginning of XXXX as I had spoken to Mr Cooper twice in XXXX about paying extra into the account. Either they knew at the beggining of XXXX the account was going to transfer or were behind on informing me of my escrow under RESPA.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXXXX/XX/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
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

RESURGENT CAPITAL SERVICE SAID THE BOUGHT A DEBT FROM XXXX OR SOMETHING BUT THEY ENDED UP PULLING MY CREDIT REPORT AND ADDIND AN IQUIRY TO MY PROFILE. THIS COMPANY CLAIMS TO BE A COLLECTION AGENCY, I NEVER DID BUSINESS WITH THIS COMPANY WHY ARE THEY PULLING MY CREDIT? COLLECTIONS AGENCY DONT PULL YOUR CREDIT, I CALLED THEM AND THEY ACTING LIKE THEY DONT KNOW WHAT IM TALKING ABOUT. IF THEY DONT KNOW WHAT IM TALKING ABOUT SOME TYPE OF FRAUD IS GOING ON IN THAT OFFICE. THIS IS CRAZY TO ME THEIR TRYING TO BULLY ME INTO AN IQUIRY I HAVE NO IDEA ABOUT.
Consumer complaint received 2021-03-29
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. (NV)

There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX XXXX {$1100.00} XXXX - Axxt # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$1100.00} XXXX XXXX - Acct # XXXX XXXX {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX XXXX {$0.00} - No Name Acct # XXXX XXXX {$1000.00} XXXX XXXX - Acct # XXXX XXXX {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-05-06
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Ditech misappropriated moneys required to be sent to Suspense. Ditech claims that Suspense money could be transferred to unapplied funds and then put into Escrow and paid out. Detech, literally, NEVER disclosed this until the recent response to my first complaint. It is not legal. If there is a shortfall in escrow, I should be notified and given the option to increase payments in monthly installments. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loancare. I tried for OVER A YEAR to straightne this out. Ditech never responded. XXXX XXXX only responded in an XXXX letter.XXXX and DITECH lied to me over and over on the phone. Ditech : " We are still researching what became of that payment ... you should contact your new service provided, XXXX. No, we never reported any delinquency to XXXX. '' Then, XXXX, after lying since XX/XX/2019 and saying " we're still researching ''. Finally in XXXX, during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's Ditech '' ; you got ta call Ditech. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT WHEN THE MORTGAGE, DITECH AND XXXX HAS A COMPLETELY DIFFERENT POLICY IN WRITING! See attached letter.Many of my credit cards have been downgraded and I, literally, can't get a personal loan based on XXXX report that I have been delinquent for over a year. Why are you allowing this to happen -- to just accept ay face value the lies they tell " we can send money to Suspense or Unassigned funds?! " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect (FL)

On XXXX XXXX I filed a dispute with AmeriCollect for a alleged debt of {$900.00} which I have no knowledge of owing as well as filed a Chapter XXXX BANKRUPTCY which was DISCHARGED XX/XX/2020 and have PROVIDED a COPY to them.. HOWEVER its still being reflected on my credit as OWED and PAST DUE. Ive ALDO provided XXXX with a copy of the CHAPTER XXXX DISCHARGE
Consumer complaint received 2019-10-03
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: CITIBANK, N.A. (IL)

On XX/XX/XXXX I have purchased an automotive part on XXXX from XXXX XXXX using my Mastercard. The part had a one year warranty for a part and 90 days for labor. The part has failed on XX/XX/XXXX and I had a repair done on XX/XX/XXXX with a new part purchased from a different vendor. 
I have contacted XXXX XXXX about getting a refund for the defective part however my communication was ignored. Subsequently I have contacted Citi Mastercard and the company refused to proceed with a dispute stating that the purchase was made over six months. 
1 ) Why is the Mastercard setting a six months limit for any dispute and does this limit complies with the Illinois state and federal laws?
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company ( Portfolio Recovery Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2020-09-21
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. (VA)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( XXXX, Experian, and XXXX   ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct.

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (IL)

Took out a loan on XXXX/XXXX/XXXX. Had a death in my family and extensive medical bills and notified them on XXXX/XXXX/XXXX that I had done research on their loans and that they are not legal in Illinois. At that time, I also advised them that I was revoking my ACH authorization and revoked my authorization to contact me via phone and revoked my authorization to contact my references. Received a phone call at both my office and cell phone number on XXXX/XXXX/XXXX. Called them back and reiterated my revocation of ACH and contact. They attempted to debit my checking account via ACH again on XXXX/XXXX/XXXX by which point, they should have been able to stop ACH withdrawls. They contacted me again via phone on XXXX/XXXX/XXXX as well as contacted my references.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.