davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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. (NY)

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written all three Credit Bureaus XXXX, Transunion and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Consumer complaint received 2017-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

A personal representative from that company visited my shop and offer a services of credit card processing machine. These company offer something that ca n't give to the customer machine arrive to the shop to be install and nobody when to the shop not technical support and I called the branch in XXXX and they said please return the machine and I did it also they try 3 times to get money from my bank account when I already return the machine
Consumer complaint received 2023-01-30
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

I spoke with a woman in the beginning of XXXX and requested this account be closed. 
Instead of closing the account, they drastically lowered my credit line which dropped my credit XXXX. This was AFTER I filed an earlier complaint about their customer service agent and the company charged me interest on a XXXX dollar balance. They removed that mark from my credit and then dropped my credit line from XXXX to XXXX. This affected my score by XXXX points and will affect it again once they actually close the card. 
This is incredibly unfair and feels like retaliation to me, the consumer.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

The mortgage agent XXXX XXXX was helping me to get my home loan to refinance since XX/XX/XXXX. I listed her personal information as list below : Professional Information Broker Address : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX Cell phone : ( XXXX ) XXXX Websites : Website Screenname : XXXX Member since : XX/XX/XXXX Real Estate Licenses : XXXX ( CA ) Other Licenses : XXXX ( Real estate and mortgage broker ) Languages : English, XXXX In the beginning, XXXX XXXX said she can get no point no fee for my home loan for XXXX with 2.75 % 30 years fixed. My loan process was almost closed and she said I can sign my paperwork on XX/XX/XXXX or XXXX, XXXX. However, on XX/XX/XXXX, she called me and asked me to pay her {$500.00} dollars cash for over 30 days loan process. If I don't pay for her she will have to terminate my loan process with Quiken Loans, LLC ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX and my loan number XXXX ). If I don't pay her {$500.00} now, I have to wait for another 30 days later and restart my loan application again. I am not happy with that since she already took me over a month. I also gave her all my personal information and turn out to have to wait for another two months. She knew my current interest rate is 3.875 % which I will have to pay {$330.00} dollars more for each month. If I give her {$500.00} dollars, she can help me to close the case immediately. I search online that never and ever pay for the mortgage broker money because the lender will give her money when the loan closed. In order to avoid paying her, I have to restart the loan application with another new broker. My phone number is XXXX and my email is XXXX. If you have more questions welcome to call me.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (MN)

I started my bankruptcy procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the bankruptcy procedure I initially wanted to avoid the Bankruptcy due to the negative impact it would have on my credit rating in the long run, so in order to exercise other avenues I went with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019. Prior to this I initiated a Debt Settlement Plan with a company in Texas, that turned out to be fraudulent ( I sent them XXXX to procure a settlement lawyer ). Through research and a few unsettling problems with the company I decided to work with the XXXX XXXX XXXX XXXX in XXXX XXXX, Iowa. During this time my counselor was trying to work out my financial budget plan for repaying each creditor. He stated that Discover would not work with the monthly payments that we decided on, which I believe was approx. {$100.00}, they insisted on {$300.00} down and after that $ XXXX- {$150.00} approximately paid monthly. My counselor advised me that my best option would be to file bankruptcy. After that I received a summons ( on XXXX ) stating that I was being sued. I was not informed prior to the summons that Discover Card was in the process of suing me nor did I receive a warning by written decree within an amount of time that would be viable to act upon in order to resolve the issue. During my Bankruptcy filing I received another summons in the mail stating that a date was officially set for a court hearing ( a response would be needed from me before the court date was set ). So, in order to avoid going to court I decided it would be in my best interest for my protection to pay the full amount needed for the bankruptcy to be closed ( which was XXXX ),  then I was told by my lawyer that Discover would not take action any further.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or  it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (IL)

I am filing this complaint because a transaction was made on my account on XX/XX/2021 in the amount of {$180.00}. I contacted the store on XX/XX/2021 directly and the store manager was no help. So I contacted corporate as well on XX/XX/2021 and they informed me that I would have to contact the institution in order to get my money back. Unfortunately the card is my child support card so I am unable to get a hold of anyone. These charges occurred in New York. I live in IL and have never been to New York. I feel like I am being punished for someone stealing my card information. I have canceled the card and requested a new one.
Consumer complaint received 2017-09-27
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: DISCOVER BANK (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this discover account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv / ONLINE INFORMATION SERVICES , INC . 
Original creditor name : XXXX XXXX  XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/, during a visit to Chase Bank 's XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was extended an offer for a Chase Private Client Checking account by Private Client Banker XXXX XXXX ( XXXX ID XXXX ). The promotion involved depositing a minimum of {$250000.00} into the account within 45 days and maintaining that balance for at least 90 days to receive a {$2000.00} bonus. 

Timeline and Actions : Initial Deposit : Made on XX/XX/, totaling {$250000.00}. This met the criteria of depositing the sum within 45 days of the offer. 
Follow-ups with Customer Service : Phone calls were made to Chase 's Private Client Service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
An in-person branch visit was conducted on XX/XX/. 
Correspondence with Branch Manager and Private Banker : Phone call with Branch Manager XXXX XXXX on XX/XX/. 
Emails were sent to both XXXX XXXX and XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. 
Unfulfilled Promises and Issues : Unfulfilled Callbacks and Emails : Despite multiple assurances, including from XXXX XXXX, promised callbacks and emails were not received. 
Lack of Transparency and Delays : On XX/XX/XXXX, XXXX XXXX acknowledged that I am owed the {$2000.00} and mentioned that she filed a request with Chase corporate for the bonus to be issued. No progress has been made, nor has any correspondence been received to update me on the status. 
Unrealized Promised Actions : Despite promises from XXXX XXXX, I have not been assigned a new Private Client Banker, nor have I received any formal written follow-up. 
Claims : Unawarded Bonus : The {$2000.00} bonus remains unpaid despite fulfilling all the conditions outlined in the promotional offer. 
Interest Loss : Given the delay, I believe I am also entitled to interest on the {$2000.00} that should have been credited to my account. 
I consider the failure to honor the promotional offer and the subsequent lack of clear communication to be a breach of agreement. I expect immediate resolution, including awarding the promised {$2000.00} bonus as well as any interest accrued on that sum during the delay.
Consumer complaint received 2019-10-30
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: FACTUAL DATA CORP. (IL)

On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from Factual Data/ XXXX XXXX 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an XXXX XXXX and was in Michigan in the midst of XXXX an XX/XX/XXXX series on elder abuse XXXX XXXX   XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with XXXX XXXX. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of XXXX XXXX. He informed me that none of XXXX XXXX XXXX mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''
Consumer complaint received 2017-07-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

InXX/XX/XXXXI bought my 1st house with Countrywide Financial Mortgage Co. As well known litigation XX/XX/XXXXallowed me to refinance my house with BofA , HARP program staid no closing cost, but I was charged the closing cost that was added to my outstanding balance. That time one benefit was no appraisal required by BofA. I asked BofA remove my PMI monthly payments, but they rejected my request. I paid PMI sinceXX/XX/XXXX {$98.00} x 12 month x 11 years = {$13000.00}!!! just PMI!!! beside interest ( 4-6 ) % on top of this.XX/XX/XXXX, last year, I asked BofA calculate for me how much I have to pay down to avoid PMI, that really unfair charges that sound like penalty to the first time home buyer!!! instead of benefits I got penalty!! Well since that BofA replied my with the general letter. I went twice in local branch : XXXX XXXX XXXX XXXXKS XXXX, tel XXXX. XXXX XXXX /NMLS ID XXXX/ and he was not able to tell me exact amount of pay to avoid PMI. I decided make own calculation. I borrowed $ XXXX from BofA, my resent balance $ XXXX, then ratio is 82 % ( XXXX:XXXX ) O.K. the general letters said my ratio need to be at least 80 %. Well, I paid down other $ 20K. Now my balance is below $ 100K, compare to borrowed amount $ XXXX it is 68 %. If take for consideration XXXX COUNTY APPRAISER 'S my house market value {$170000.00}, and the ratio will be 58 %. But BofA refused to accept XXXX COUNTY APPRAISER and force me to do an appraisal from they list that cost me $ 500- {$600.00}!! why do I need trough my money UNNECESSARY to somebody instead of to make payments against my principal? Why BofA was able refinance me in the first place without appraisal, and refused now?? I see only one answer : GREED!! the vain hope of finding work.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding XX/XX/ {$770.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof. They record me and tell me they are sending me something in the mail and I never receive anything from them but they call me almost daily from fraudulent numbers and do not leave messages, the number always changes and they must own 1000 's of phone numbers because it is always something different. I can provide proof on demand.
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel repossessed the car that wasnt mine from the start I paid only XXXX on the car the dealer lied about my address because thats who got the tags and got my application excepted I didnt have XXXX to put down on the car the loan date was XX/XX/XXXX of 2019 the dealer didnt do the registration correctly I got all fix it tickets he withheld my new plates with tags he didnt smog the car and the contract wasnt real it was black n white printed made by him hes a private dealer diamond auto sales and he has ways of doing things and he failed me as a first time car buyer XXXX raised my payments as well the whole contract was fixed.
Consumer complaint received 2019-10-30
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: GUARANTEED RATE INC. (IL)

On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from XXXX XXXX/ Guaranteed Rate 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an investigative journalist and was in Michigan in the midst of publishing an XX/XX/XXXX series on elder abuse https : XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with Guaranteed Rate. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of Guaranteed Rate. He informed me that none of Guaranteed Rate 's mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''
Consumer complaint received 2019-10-30
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: DISCOVER BANK (CA)

For the past several months, I have been in constant contact with XXXX with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX  ( {$17000.00} ), Discover ( {$16000.00} )