davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that Experian still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I disputed an account listed within my credit reporting file and requested copies of all documentation obtained in the process of verifying that a debt should be on my credit report to ensure they are performing a legal investigation into the validity of the debt as required by federal law to ensure only 100 % accurate information is being reported. I am not familiar with the company and have not done business with the company reporting the debt to the credit reporting bureau, however, I only got a notice the debt was supposedly verified and that it would remain on my credit report. 

The business reporting the incorrect information XXXX XXXX XXXX XXXXXXXX XXXX  to the Credit Reporting Bureau ( Experian ) will not provide any documentation that they performed a legal investigation into my dispute, as I did not do business with anyone listed on this account, I requested a copy of any signed documentation ( from both Experian and XXXX. XXXX, XXXX ) that was supposedly signed by me authorizing the original account be opened in my name and with my social security number, neither company has mailed me or emailed me any signed documentation of my authorizing any account in my name or social security number. 

This information is not correct, and I am unable to get it cleared from my credit report. 
Federal Law requires only 100 % accurate information be reported in a person 's credit reporting file and Experian is failing to follow the guidelines set forth by the Federal Government and the reporting business is failing to provide any signed documentation that the account was authorized by me, I would like to see a signature so it can be compared to my lifetime of signatures by a specialist.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

a false check went thru my chase checking account ive never had checks with Chase and the XXXX XXXX  loan was from XX/XX/XXXX and has been sold to collection agency went and got copy of the check from Chase and its has the collection agency/XXXX XXXX. this was not authorized my bank automatically knew it was fraud cause i have no checks unauthorized i called them a few months ago to see if the would work with me and the balance but they wouldnt budge and now all of a sudden a false check for the full amount owed went thru my account
Consumer complaint received 2017-08-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX  Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX
Consumer complaint received 2018-07-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Have to keep complaining, Bayview never responds back or mail any letters about modification. Finally received copy of loan documents, said need XXXX XXXX on modification paperwork even though, XXXX XXXX has power of attorney for mortgage, stated didnt want assumpiton loan, faxed in all paperwork XXXX-XXXX-2018 with both our information, no one calls no one sent letter saying missing paperwork like other companies and there is a process for customer BILL OF RIGHTS! Always have to complain to get any results from Bayview, number to call says XXXX and XXXX reps never answer goes to voice mail says hit OPTION to speak to rep going to voice mail always ask to leave a message, left a message XXXX-XXXX-18 and  still no call back! Bayview doesnt follow the procedures for California laws! Rep gave me fax of XXXX and XXXX where does paperwork go? Want modification done have complied with everything and have proof of many faxes! AND USED MY LOAN NUMBER DIDNT SHOW UP IN AUTOMATED SYSTEM!
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My online ID was hacked and changed and money was XXXX to another person without my authorization on XX/XX/2022, I called the bank to have the transaction canceled but they said they did what I had asked them to do which I did not, the bank froze my online ID upon multiple logins that day between myself and the scammers to gain access over me they managed to change my Id login and change my number from the accounts. I have had the same number for over 15 yrs, I never authorized these changes, the other persons were in a different state and city and had different phone carriers than mine which I longin ' almost on the daily, I can not believe BofA would allow this to happen to my account which I have had for more than 20yrs. their fraud dept did not do its work on protecting me from an unusual activity I have never used XXXX from these accounts.
Consumer complaint received 2021-02-22
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. (CA)

I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with XXXX with XXXX XXXX or a XXXX credit card which I never applied for. I called XXXX letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called Transunion to get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XXXX XXXX XXXXXXXX and XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but Transunion and XXXX XXXX was not. 

Please have the hard inquiry with Transunion taken off of my credit report as I did not apply for an XXXX XXXX.
Consumer complaint received 2023-01-27
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

A letter was received from Midland Credit Management, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX which stated that XXXX XXXX owed {$280.00}. It states the debt was from XXXXXXXX XXXX XXXXXXXX XXXX When called ( XX/XX/XXXX ), MCM asked for personal information from XXXX XXXX ( I have been XXXX XXXX since XX/XX/XXXX ). I declined to give it. However, they appeared to actually have my SSN. Perhaps it's from a hacked account of some kind. 
Their phone number is XXXX. I have never had an account with XXXX XXXX or XXXX. 
The person taking the call at MCM identified himself as XXXX XXXX. His accent sounded possibly as being from XXXX.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IL)

I would like to report Predatory lending against US Bank and file a complaint against US Bank Credit Card XXXX plan. I am a current US Bank credit holder and signed up for extend pay plan in error XX/XX/2022. I immediately contacted the bank the next day to cancel plan and could not receive any assistance. US Bank XXXX is a deceptive plan set up to harm consumers and cause additional debt. US Bank XXXX does not allow consumers the option to cancel or make affordable flexible payments. I have made several attempts to resolve this issue with customer service and also visited US Bank branch to receive assistance. I can't afford the monthly payments of {$700.00} and $ 800 monthly payments in additional to all the other fees associated. I would like my XXXX plan to be canceled and make regular monthly payments.
Consumer complaint received 2018-04-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (TX)

I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I am attempting to transfer an HSA account from " XXXX XXXX '' to " XXXX ''.

My XXXX XXXX  account included a self-directed brokerage account provided via " XXXX XXXX ''. This account is opened by XXXX XXXX on my behalf.

I submitted my transfer request to XXXX   on XX/XX/XXXX, and they forwarded this request to XXXX XXXX. My XXXX XXXX account, which is opened/closed by XXXX XXXX, was closed and liquidated back to my XXXX XXXX  account on XX/XX/XXXX. This is noteworthy because it confirms that XXXX XXXX received my closure request no later than XX/XX/XXXX.

It is now XX/XX/XXXX, and XXXX XXXX has still not forwarded my funds to XXXX. There has been no activity sinceXX/XX/XXXX. The funds have been sitting in my XXXX XXXX account, earning below-market rate interest.

On XX/XX/XXXX I was charged the {$2.00} monthly fee, despite my intentions to close the account.

I have attempted to contact XXXX XXXX by e-mail, online chat inside online banking, and by phone. E-mail and chat representatives are not willing to help, and direct me to call instead. I have tried calling and the phone system will take my information, place me on hold for 10-15 minutes, and then hang up on me, presumably because nobody is available to take my call. Nobody is willing to help me.

I suspect XXXX XXXX is dragging their feet to charge additional monthly fees and earn the spread in interest rates between what they earn and what they pay me. I can not prove this.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (NH)

XXXX XXXX XXXX  was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to Selene Finance LP. Selene Finance LP is reporting the account as delinquent to credit agencies, XXXX, XXXX and XXXX.
Consumer complaint received 2017-09-02
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: JPMORGAN CHASE & CO. (FL)

Chase Bank removed my inquiries from XXXX but they did not remove all them from XXXX. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX want to file a complaint against Experian. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this Experian they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate. XXXX XXXX XXXX  Credit Card Child Support Enforcement XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (GA)

Date opened : XX/XX/XXXX XXXX : {$670.00} Contacted both original creditor as well as collections agency ( which is internal ) beginning in XXXX to explain that I have been incarcerated for 19 years and have only recently been released from Federal prison in XXXX of XXXX.
Consumer complaint received 2020-09-17
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: Bread Financial Holdings, Inc. (MD)

I submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been working with all three credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

In XX/XX/XXXX, an additional charge of {$1200.00} was added to my monthly bill. I immediately contacted the lender. They stated that it was not correct and would fix the issue. I continued to get collection phone calls and email. I called the lender again after 3 weeks because my account was still showing passed due. Again, the customer service representative assure me that the issue was being resolved. I have submitted emails to the lender via there website twice with no reply. I am now receiving correspondence in the mail threatening to place my loan in default, garnish wages and taxes and report me to all three credit monitors.