davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
INQUIRY - XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD ALERT INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (IL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2019-11-02
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: CITIBANK, N.A. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Macys/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-11-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

We are finally reaching the end of this poorly handled mess created by Truist Bank. After spending some time in their online environment attempting to pay off the small balance on my home mortgage from my Truist checking account, it was apparent the regardless of how large I made the payment ( 3X the payment ) it was preventing me from completing my task. There was a pop-up that requested that I call a toll free number and I spent roughly 30 waiting for a customer service agent. After discussion, it was apparent that I was not going to be able to transfer money as the CSR and her manager were not helpful. In fact, the manager, XXXX, refused to talk to me and I was disconnected when I insisted on a transfer. At the end of my time with the CSR, she let me know my payoff was {$370.00} and XXXX cents per day after the XXXX. I called the branch on XXXX XXXX in XXXX SC and they sent a check for me for the payoff plus 2 days interest at my request. Why Truist needs a mailed check or a wire transfer is a mystery. XXXX from my checking is faster, more secure, and more verifiable. Through all of this Truist disaster, the owe me roughly {$150.00} in over-charged interest per my numbers. I expect that back.
Consumer complaint received 2018-09-19
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: Avant Credit Corporation (CA)

I ordered an item on XXXX  on XX/XX/18 in the amount of {$58.00}. I did not receive the item so I contacted my credit card company Avant. I explained the situation and sent over the invoice when I filed the dispute. They said they would take care of it but that was the opposite of what they did! I tried calling 30 days after the dispute as I had not received anything in the mail or heard from anyone. They just told me they are still working on it to give them more time. I finally got a letter from XXXX in the investiagation department on XX/XX/18 asking for more information I sent her a copy of the invoice from XXXX. However, she would never answer her phone or return any of my phone calls. I called Avant customer service i spoke with the manager XXXX on XX/XX/18, XX/XX/18 and XX/XX/18 in which she sent a notification to XXXX and promise to follow up with me each conservation which she never did. I had to keep calling her and on XX/XX/18 I sent her another copy of the invoice from XXXX which she said she forwarded it to XXXX again with another notification. XXXX said I should hear from herself or XXXX within in a few days. I still to date have not heard anything and no one will contact me back. I am now being charged for the interest and the amount of the purchase when I never received the item.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WORLD FINANCE CO  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

This account is undoubtedly recorded as a charged-off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicated on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I have a vehicle lease with XXXX XXXX where I make a monthly minimum payment of {$320.00}. I have gone through a really deep financially hardship since XX/XX/XXXX and have been late on several payments. Also, I am new to credit and did not know that these late payments would be going on my credit reports.

The dates of the late payments include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I noticed on XX/XX/2020, Chase Bank restricted online access to my account. The message says " We locked your account to protect it from suspicious activity. '' The message offers a telephone number to call, which is XXXX.After authenticating my identity twice with Chase Bank over the phone, Chase Bank refused to unlock online access to my account. I am unable to reset my password online ; attempting to do so results in the same message. 

Phone access through Chase Bank 's main menu ( XXXX ) was unaffected. I checked my balance and recent transactions using their automated system and did not discover any unauthorized transactions. 

On XX/XX/2020, at XXXX. CST, my first phone call with Chase customer service representative was unproductive. After verifying my identity and sending a one-time passcode which I verified with the customer service representative, she told me she would transfer me to the " internal department '', though upon doing so I only received the main menu of Chase 's telephone system. The phone call lasted nine minutes. 

On XX/XX/2020, at XXXX. CST, my second phone call with Chase customer service representative was also unproductive. The customer representative transferred me to the Chase " Protection Group '', with the direct phone line number mentioned by the customer service representative mentioned as being XXXX. This second phone call lasted 50 minutes and included several holds. 

The line quality of the Chase Protection Group customer service representative was noticeably worse, with several words being inaudible. The customer service representative prompted me to provide my phone number again, which I did so but the poor line quality resulted in her inputting a different phone number. Instead she asked me to answer two identify verification questions, which I passed. She then asked me to run an antivirus scan, which I did. She then also requested that I change my personal e-mail password as well, but I declined to do this. The customer service representative told me she could not assist me further and to call back when I reset my email password. As such I informed her that I would be ending the call. 

I am dissatisfied with the way Chase handled the situation. I appreciate the bank taking customer security very seriously - especially during COVID-19. However, with many of its branches closed, where I could probably unlock my account in person, they should take care to assure that they are not locking their own customers out of their accounts.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

Chase bank allowed the fraudster to open an account using my information without asking for any verifications or documentation. Chase bank also told me its just as easy to open a line of credit as long as you have someones social. I contacted the XXXX act line and they referred me to make a complaint here as well. I figured opening an account would require the financial institution to verify customers they are dealing with without me now having to jump through hoops to get the fraudulent acct closed. It seems to close an account I have to actually give them my info and they have to verify me but to set up account I need no verification documentation.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (CA)

I have a mortgage with Essex Mortgage ( Data Mortgage ). They are supposed to pay my taxes and insurance using money I pay into an escrow account. They neglected to pay my taxes in XXXX of this year and I received a notice of tax delinquency from the county where my house is located. I called the county as soon as I got the notice and was informed that I was one day from going to collections. I had to pay {$2100.00} out of pocket that day to keep from impacting my credit rating, and now I am fighting Essex Mortgage to get reimbursed. They paid the taxes a week after I did, and now they are claiming that they just got paid back from the county last week. Essex didn't pay my insurance either, so I paid another {$1200.00} out of pocket with an e-check to the insurance company, and Essex still has no answers on when I will be reimbursed for that. They keep asking me for proof of payment, which I sent them twice. I am also still waiting for answers as to why they didn't pay the taxes or the insurance in the first place like they were supposed to. Thank goodness I had enough personal reserves to overcome their screwups! I have been dealing with XXXX XXXX, XXXX # XXXX, Phone # XXXX, or XXXX. His e-mail is XXXX. I am tired of getting run around as if I caused this issue. They screwed up and I'm being questioned by them for everything multiple times. This is insane. I want my money back, I want to know why this happened in the first place, and I want others to know to steer clear of this company. As a sidebar - I was accidently copied on e-mail where XXXX is telling another employee, '' As you can see, the client is starting to get pissy. Any word? '' He thinks I'm XXXX?? Really? I've been dealing with this since XX/XX/2022. I have right to be XXXX  when they created this issue and have been dragging their feet to correct it. Thank you for any help you can offer.
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (TX)

XX/XX/2020 RE : Method of Verification Request Dear Equifax : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. This is regarding Credit Report on XXXX XXXX number XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$1000.00} Paid in Full Close - XXXX  ( XXXX ) ) Balance {$2000.00} I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (TN)

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX  2 ) Missouri Div XXXX XXXX {$28000.00} 3 ) Missouri Div XXXX XXXX {$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX {$3000.00} 8 ) Dept of ED/ XXXX  {$1700.00} 9 ) XXXX  {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}