davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

to whom it may concern, I filed a complaint three weeks ago against Chase Mortgage because I couldn't refinance my house and use the HARP program because I was told that chase use the HARP program a XX/XX/2015 they wrote me back tell me they did nothing with my loan in XX/XX/2015 I research this further I went to XXXX County here in Colorado the county that I reside in and found out that in XX/XX/2015 they sent information to the county on selling my loan which I was never notified of I was never told about and it was so to WaMu so I'm guessing that somewhere along the line they use the HARP program here to do something anyway the XXXX program doesn't go into the county records but the fact of the matter is they lied to you and they lie to me said they did nothing with my loan in XX/XX/2015 and it is registered in the government State Office of recording that they did do something with my loan I want to know what they did and why I wasn't told about it. I was told i could not use the harp program from another bank because it was used in XX/XX/2015 by chase but they say they did nothing which is not true.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I used my XXXX 's Credit card for a purchase. I received the statement in late XXXX for a balance of XXXX. I issued a check for XXXX on XX/XX/XXXX for the total new balance. 
On the next statement, we were charged a late fee of {$29.00} plus {$1.00} in interest for a total balance of XXXX. 
On XX/XX/XXXX, I issued a check for XXXX XXXX less late fee and interest ) before I realized that Comenity had not cashed the check issued on XX/XX/XXXX for XXXX. 
I called the comenity -XXXX  requesting a credit of the late fee and interest plus credit for the double payment of the XX/XX/XXXX purchase. The Comenity Associate ( XXXX XXXX XXXX would not issue a credit for the late fee and interest. 

The two payments from my account were issued via the " Bill Pay '' function of the XXXX XXXX. 

Essentially, Comenity is charging a late fee and interest to my account for their inability to credit my account for payments.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-26
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: DISCOVER BANK (OR)

I filed a dispute through discover for the amount of {$490.00} initially on XX/XX/2021 against a merchant ( XXXX XXXX ) that didn't send me the items as received and was scammed. I went through the dispute process with Discover and provided documentation when asked. I was told not to worry about it and was given a temporary credit. It was later reversed a month later and I followed up asking why. They said that they were putting the case through a second review and that the merchant didn't provide valid documentation. Turns out that's all false because the second review sided with the merchant saying the transaction was valid? Dragged out to almost 3 months just for that kind of response?
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I called Experian because I recognized that there were hard inquiries that were not authorized by me. Some of these were removed, but XXXX XXXX with an inquiry date of XX/XX/2021 and another on XX/XX/2021.
Consumer complaint received 2024-03-03
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. (MO)

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. 

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 adverse 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 2024-03-03
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I want this removed ASAP or I will call my lawyer!
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

The beginning : In XX/XX/2017, I was offered by XXXX XXXX XXXX store a XXXX XXXX XXXX  with a discount if I buy a combo package of internet XXXX XXXX and TV CHANNELS, after a little presentation of the benefits of this internet and the price of this promotion, I signed the agreement. 
DELIVERY AND INSTALLATION : At signature, I received the device itself and a schedule date for the installation,. On the installation date XXXX XXXX XXXX, employees came to my house and preceded with the installation, which just a portion of it was completed,. After asking XXXX XXXX to disconnect internet services ; Next day we realised that internet was not working, many calls later a manager of XXXX XXXX XXXX informed us that an issue on driveway made them delay the installation, but it was to be fixed on the same week. 
COMPLAINS : After a month waiting for the installation we called XXXX XXXX XXXX again to check status of the installation and another promise was made, Many XXXX XXXX XXXX technitians showed up on the following two months and nothing was resolved., We hired XXXX XXXX  as our internet provider again, XXXX XXXX was never installed. 
By XX/XX/XXXX a bill from XXXX XXXX arrived, and I informed XXXX XXXX XXXX that I had no intention to keep half of the deal and made clear that my initial interest in switch providers was just because of the possible quality of the internet and price. By XX/XX/XXXX a DIVERSIFIED collection agency called trying to collect a XXXX XXXX XXXX debt. I contacted XXXX XXXX XXXX they couldn't find any past due balance, they transferred me to XXXX depto, XXXX XXXX, and finally after weeks trying to figure this out on XX/XX/XXXX a XXXX XXXX XXXX associate with good intention to help, explained to me how this debt was generated and how to proceed with it in order to have it resolved, I followed his instructions and I made a payment of {$160.00} to close the account and to have my name removed from the DIVERSIFIED collection agency. XX/XX/XXXX I received another call from DIVERSIFIED, And they threatened me, informing that they had not receive any payment confirmation from XXXX XXXX XXXX and they demand the payment, Now not just {$160.00}, but {$780.00},. I spend 14 hours on the phone trying untangled this situation with XXXX XXXX XXXX and another promise was made ; XXXX XXXX XXXX promised to removed my name from debt collector and credit bureaus XXXX XXXX XXXX failed , again. 
I called the debt collector agency DIVERSIFIED to offer them a receipt of my payment with XXXX XXXX XXXX and to request removal of the negative information on my credit and they informed they have no power to clean my name but XXXX XXXX XXXX, I called XXXX XXXX XXXX they said they have no power to remove the wrongful negative information but DIVERSIFIED ; in this back and forth situation I spent another 40 hours with no positive results, my credit score dropped consistently due this collection factor hurting my financials in many different ways.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (MD)

Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with XXXX, Equifax and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support
Consumer complaint received 2021-02-11
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. (PA)

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX  XXXX  Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries T-XXXX  XXXX  XXXX XXXX  on the XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

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.

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 adverse 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 2019-03-13
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: PNC Bank N.A. (FL)

My former wife acquired a property in XXXX. I was never on the deed to the property and never lived there. She obtained at least two home equity lines of credit and one mortgage while she owned the house. I was not listed on any of the notes. Since Illinois has homestead laws, I signed a release that I will have no ownership interest in the property and that it will not be a marital asset. The name shown on the notes was " ( her ), married to ( me ) ''. She alone signed the notes, and I only ever signed the homestead release. The loans were originated with XXXX in XXXX, XXXX, and XXXX. In XXXX, XXXX was acquired by XXXX XXXX, and in XXXX, XXXX XXXX was acquired by PNC. In XXXX, PNC filed a Lis Pendens against BOTH of us. I am now trying to get a mortgage myself, and I only became aware of this when my credit was pulled and my mortgage company told me I had THREE mortgage collections with PNC Bank and a recently closed mortgage with multiple late payments. By searching public records, I found out that PNC sold one of these debts to XXXX XXXX XXXX XXXX in XXXX of XXXX. On the Assignment of Mortgage that is public record, it still lists the borrower as ( former wife ), married to ( me ). I never had any association with this property, and I was never obligated on any of these mortgages.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Saving Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$300.00}, but the bank holds that check and refused to give me my remaining balance until now.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank keeps sending me emails addressed to XXXX XXXX XXXX. I do not know who this person is, but they somehow got my email. There is not a category for this issue, but I've called, and emailed, with no response, and did so again after another round of emails saying I've changed my user name and contact information. After an hour on the phone and 2 agents, I was told my complaint was emailed to " XXXX '' who would get back with me in 7 to 10 business days. She could not provide me with a copy of that request, nor email me confirmation of the complaint. I don't believe there will be any response ... again. They can't tell me if I have an account registered with them, using my contact information, including my email. They keep asking me for my Social Security Number, but I refuse to give it since I never opened an account with them, and have no idea how they or Mr. XXXX XXXX got my contact information. 

I'm requesting : To be notified in writing To be notified in writing if an account has been set up in my name. 
How they got my contact information and what is going on. 
I want my email and any other contact information they have removed from their database. 
I want to be assured there are no fraudulent accounts in my name, or contact information. If there is an account registered to me, what are the last 4 digits of the SSN # I want these emails to stop. 

Thank you.
Consumer complaint received 2021-04-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Nelnet has reported to credit bureaus that I was past due in XX/XX/2018 on 20 separate accounts. This is inaccurate. I was attending school on XX/XX/2018, which means there should not have been anything due at that time period. Nelnet refuses to remove the derogatories despite being informed of the inaccuracy.
Consumer complaint received 2020-11-05
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. (KY)

After apply for a XXXX secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (NC)

Roundpoint was negatively reporting on my VA Home Loan during a mishap of payment while XXXX  to XXXX XXXX   on XXXX XXXX XXXX. I disputed and then filed Ch XXXX   Bankruptcy including any debt owed to them. They transfered loan and claim there debt was valid. They are showing improper and illegal late fees and balances according to Service Members Civil Relief Act and the fact that I included them in Bankruptcy. Please delete this account from my credit report.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

On XXXX XX/XX/2021, I contacted Equifax in hopes of finding out why all of the accounts on my credit profile had been removed. I verified my identity on 3 separate occasions in the last 6 to 8 months and Equifaxs system glitched and removed all of my accounts obtained with my old mailing address and is now only reporting the four recently obtained accounts under my new mailing address. The irony of this is that I purchased a new home recently and that account isnt on my credit report and the home purchase is the address or my new mailing address. The representative told me that I would need to mail or fax in my drivers license, social security card, and a brief statement that I am who I am and what my previous address was and what my new address is. I have been through this for years with Equifax and every time I ask to speak to a supervisor and/or manager, they hang the phone up on me or disconnect the call. Their practice has been unethical and unfair to me as the consumer. I have worked extremely hard to get my creator to very good standings and every year I am met with adversity from Equifax. I have been stuck in XXXX, XXXX, for the last 16 months and the means in which they provide for sending in my information is not feasible from here.
Consumer complaint received 2024-03-02
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. (GA)

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. 

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. 


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 adverse 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 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2021-10-26
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. (WI)

In XX/XX/2020, I notified Experian ( hereinafter CRA ) that my identity was stolen and that the account they report as XXXX " XXXX XXXX '' with a partial account number of XXXX was a product of said Identity theft. After numerous disputes relating to the fraud, and thereafter factual errors in the reported information itself that required that this account be deleted. They have flatly refused to remove this account. the account should have been remove for the following reasons : 1. ) At no time did the CRA place a notice that the account was in dispute as required by FCRA, indeed the required notice still dose not appear on my report. 

2. ) The CRA is reporting this account as a " Collection/Chargeoff '' 3. ) While reporting this account is a Collection/Chargeoff they also report a past due amount of {$170.00}, it is not possible to have a past due amount showing in a Collection/Chargeoff account. 
4. ) The CRA is also reporting a balance owed of {$190.00} also impossible if the account is reporting as a Collection/Chargeoff. 

For the above reasons the CRA should have removed this account from my credit report long ago and they just keep reporting the same errors
Consumer complaint received 2024-03-02
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX and XXXX account # XXXX and XXXX account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX, and The Federal Trade Commission.