davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

The reason for my complaint is because a several chase credit cards were opened fraudulently in my name. I was a victim of identity theft and never authorized any cards to be opened in my name with chase bank. I do not have the account numbers but i can provide my SS so the accounts may be found XXXX
Consumer complaint received 2017-12-07
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: EQUIFAX, INC. (MD)

Submitted a dispute to equifax confirmation # XXXX regarding the removal of two inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the Equifax failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (GA)

I been reporting to XXXX, Equifax and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX XXXX dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Hi, My last complaint # XXXX is the same reason for this one ... 
To summarize : As of XX/XX/XXXX I canceled my previous home owners insurance with XXXX and went with XXXX home owners insurance. How ever the Mortgage company " 5th 3rd Bank '' keeps paying both companies for the same home. I got reimbursed from XXXX most of the money in XX/XX/XXXX but 5th 3rd Bank has once AGAIN paid both companies and the escrow account is a mess. I will do my best to refinance to a better Bank ASAP. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates continue to falsely report that I owe XXXX XXXX XXXX  {$960.00}. I have had and continue to have a banking relationship with XXXX XXXX XXXX  to this date. I have a savings, checking and credit with XXXX XXXX XXXX. I repeat, all my XXXX XXXX XXXX  accounts are current and up to date.
Consumer complaint received 2017-12-07
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. (TX)

I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site. 
go on till lose connection playing a stupid game on consumer
Consumer complaint received 2017-12-05
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. (NE)

I sold a house in XXXX of 2016 -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both XXXX and Equifax as well as XXXX XXXX XXXX XXXX to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
Consumer complaint received 2024-01-30
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. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-02-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I been reporting to XXXX, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is Portfolio Recovery I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MD)

I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.
Consumer complaint received 2016-08-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

I purchased a home in 2004 for XXXX I am still paying Mortgage Insurance after all these years, the home is in an area that has significantly declined in value over the last few years. I am a XXXX XXXX XXXX widow who has a significant loss in income due to the unexpected death of my husband who is an XXXX veteran. I have called Citimortgage with no resolution on how to remove the MI from my loan. I almost lost the home and they put me on a balloon mortgage which scares me but I had no choice as I would have lost the home. The MI payment is well over XXXX per month for the past 12 years and I am upside down in the home. Is there anything you can do to assist me
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2019-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (FL)

I have owed a total of {$270.00} for a loan to the company Moneylion but I have an investment account with the company with the amount of about {$390.00}. 

The company Moneylion never paid/refund me the remaining of my investment totaling in the amount of {$110.00} - {$110.00}. 

On XX/XX/2019, I have written the XXXX that the company was reporting inaccurate things on my credit report. I did not follow up because I was waiting to see if anything change so I can have more evidence on the company. 

On XX/XX/2019, I have spoken with a representative about the account and he explained that if I didn't pay the remaining of the loan it will be deducted out of my investments which that is what I wanted anyway because I started to get the feeling that this company was a scam and I have seen many complaints that the company doesn't like to pay the investment. I was told that if I made a payment today I could withdraw my investments and it would take about 3 business days to receive the funds. But, I ask what if I didn't pay the remained since my investment has a higher balance than the amount owed on the loan. He replied I would be deducted from my investment and that would take a little time and the remaining would be sent to my bank account on file. 

I explained to the representative that I no longer trust Moneylion with bank account because they have tried to collect more than the money account and constantly sending multiple checks with different amounts to my bank account. I have not authorized Moneylion to  deduct any money from my bank account and they still sent a check to my account. 

Moneylion was only supposed to be sending me the remaining amount left after deducting the loan amount of {$270.00}. 

On XX/XX/2019, the company wired {$380.00} from my account. Yes, I was informed that my account was going to be LIQUIDATED due the email received on XX/XX/2019, saying NOTICE OF LIQUIDATION AND SURPLUS OR DEFICIENCY but I was not refunded the remaining of my balance anywhere between {$110.00} - {$110.00} as promised buy the representative I have spoken with back on XX/XX/2019. 

As of today XX/XX/2019, the loan is showing paid. My investments are withdrawn and nothing was returned. The balance in my investment is {$1.00}. My credit report is not updated with accurate information. 

This company has done too much to me and the misuse of my bank account and trust.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (FL)

XXXX XXXX made initial contact on XX/XX/XXXX left a message, I returned call she threatened me with wage garnishing, jail, and quoted an outrageous amount owed of some crazy amount from XX/XX/XXXX. I never owed that on any credit card in my life. I had my card stolen and the charges were taken off is the last thing I remember about that card. this is a scam and they are trying scare tactics and calling my office and threatening to garnish my wages with no proof of the debt. when asked for proof of this debt he changed the subject. I am reporting this because it reminds me of the irs calls I was and still am getting threatening me with going to jail and levying my bank account, etc. I am very upset and would like some help with this matter. thank you
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (GA)

The vehicle in question was repossessed in XXXX 2012. There was no notification that this was going to happen. I sent them my XXXX XXXX prior to my departure. I was told by XXXX XXXX that those orders did not matter. I have sent the orders to them on two other occasions. They have put this on my credit report for XXXX.
Consumer complaint received 2020-05-08
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: Nelnet, Inc. (MA)

I disputed this already but I still seeing repetitive 120 days late remarks on this account USDOE/GLELSI XXXX which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I scheduled a billpay with BofA on XX/XX/XXXX. On or about XX/XX/XXXX, the recipient notified me that they had given me the wrong address for the check and asked that I cancel the check. I called BofA and asked them to stop the payment and void the check. They said they would do so and that no funds would be withdrawn from my account. Two weeks later, the recipient received the check and destroyed it. Note that the check said it came from a different bank from BofA ( how did that happen??? ) I wrote a new check and handed it to the recipient.

Bank of America never canceled the original {$8000.00} payment. So, in total, two payments of {$8000.00} were taken from my account, even though only one of those  checks was cashed by the recipient adn the other check was promised to be voided by BofA.
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (LA)

On XXXX I was attempting to acquire a landline telephone service from XXXX XXXX XXXX ; spoke with " XXXX '' in which a temporary number was issued, XXXX ; stating {$34.00} monthly waiving the activation fee. A few days later XXXX telephone wires arrived in the mail. I wanted to KEEP my existing old number ( XXXX ). Time passed, my " old '' number was not ported out and completion of the order was not finished leaving me without any service. I obtained WI-FI with a different company. I called XXXX XXXX XXXX and informed them I did not have service with them when months later they sent a {$100.00} bill. Afterwards, several collection agencies were demanding the amount of the bill. I contacted both XXXX XXXX XXXX & the collecting agencies and informed them the debt was invalid. XXXX XXXX XXXX told me it was with a collection agency & the collection agency told me to contact XXXX XXXX I spoke with " XXXX '' on XXXX XXXX -- collecting agency XXXX ; and " XXXX '' on XXXX when he stated " no longer has account ''. I asked them to remove the debt from all three credit bureaus which has harmed my financial status.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (CA)

My payment for XXXX XXXX was suspended. I am not really sure when this happened but i submitted documents on XX/XX/2021 to verify myself in the form of an ID and they told me that it would take two days to review. My account has not been unlocked. I got an email on XX/XX/2021 requesting information regarding a card i had added in the name of XXXX XXXX, who is my father. They requested their full legal name and address, which is what I input when i added the card to XXXX XXXX. They also have the same address as i do. I added their card because my dad wanted to pay for lunch and i ordered some delivery. I am unable to pay for my subscriptions as they are all made through XXXX XXXX. 

Attached is my bank statement and my dad 's to evidence that we know and live together. I would also like to note that the card that was added was their EIP Visa card that he received his stimulus payment to.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (SC)

I paid off my Debt to XXXX XXXX XXXX ( Verizon ) on XX/XX/2020 It was a ''Pay For Deletion '' meaning I pay the balance and the collection/chargeoff would be removed from my Credit report ( XXXX , XXXX , XXXX ) but It never was Its still showing up as a negative mark on my credit report I have the letter from jefferson capital attached showing i settled my debt and the collection/chargeoff would be removed from my credit report Im in the process of rebuilding credit and this negative mark on my credit report has dropped my score by 50 points i need Jefferson Capital to notify the 3 credit bureaus which are experian, transunion , and equifax to let them know the account is paid off and to remove from my credit report ASAP I will not stop until The items are removed Thanks in advance
Consumer complaint received 2024-02-22
Product: Credit reporting 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy Transunion has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, XXXX, or Transunion
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

XXXX XXXX XXXX AND XXXX, XXXX XXXX XXXX DEFRAUDED US BY MIS-APPLYING MORTGAGE RE-INSTATEMENT PER THE HAMP MODIFICATION RULES AND MONEYGRAM ALLOWED THIS TO HAPPEN. SEE ATTACHED. 

ALLPARTIES IS IN VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND STATE FRAUDULENT LAWS VIOLATED.