davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Received a ppp loan to my chase account, shortly after receiving the loan chase froze my account thinking it was fraudulent. They have never contacted me about the issue nor have they been answering the phone or trying to see my paperwork. I received the loan XX/XX/XXXX account has been frozen since the XXXX and now theres a dda debt charge to both account for all the money in both account and they still have yet to contact me personally
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

I had unauthorized transactions of XXXX. Which made my account negative XXXX. I filed a claim twice. Truist did not provide proof of investigation of my claims. I filed my claims in XXXX around the XXXX. My second claim was about three days after that.
Consumer complaint received 2021-08-17
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: Experian Information Solutions Inc. (NJ)

After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.
Consumer complaint received 2020-12-08
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax I have contacted you 7 times to remove old out dated or just not mine information 7 times by fax and phone You have address that are not mine that you will not remove 3 address .XXXX , XXXX , XXXX XXXX XXXX this is a partal address you have it on file. Also you are reporting XXXX XXXX And XXXX XXXX XXXX   they were to to be removed but you have not done so please remove them inquires there are 4 I never made .I will fax you the information with the CFPB case Number on it this was posted on XXXX XXXX XX/XX/2018
Consumer complaint received 2020-12-08
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: CarMax, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CARMAX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NJ)

Firstsource Advantage LLC send me a letter true mail stating that I own them a sum o money that of course I do not own them. 

Firstsource Advantage LLC have not the right to use my Personal and or Federal information like Names, Addresses, SSN. 

By now I request Firstsource Advantage LLC to send me Signed documentation that shows that I have a business with them or that I own them any sum of money. 

If in 15 days Firstsource Advantage LLC do not send me documentation with my Signature on it I will not Hesitate to fail a Lawsuit against Firstsource Advantage LLC
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CA)

I have a total of XXXX accounts that were purchased by XXXX XXXX : 1 ) XXXX XXXX with a balance of {$3500.00}, 2 ) XXXX XXXX with a balance of {$3500.00}, 3 ) Synchrony Bank/Care Credit with a balance of {$1200.00} and 4 ) XXXX XXXX BXXXX  with a balance of {$2000.00}. Unfortunately, I defaulted in all these credit cards due to a hardship and ended with them, all accounts are in a legal status, so this company is about to suit me. 
I am doing my best to prevent a big lawsuit from this debt buyer and later pay more money in interest and legal costs. I decided to work 2 of these accounts XXXX XXXX XXXX and XXXX Bank XXXX XXXX to show this debt byer I have good faith intention to resolve my debt and to alter work on another XXXX. 
My representative ( who called on my behalf ) contacted this company and after several attempts he got an offer for 60 % settlement for the XXXX XXXX and XXXX Bank XXXX accounts, thing that is great for me. The only issue is that the debt collector is asking for a single payment and I am not in the position to pay this settlement in a lump-sum, thing that is sad because if I dont pay this, and since the accounts are placed in a legal department, I will get suit and due to interest and court fees the balance will increase. 
I am just asking for help to split this offer in payments, I am getting the money form a family loan but since XXXX pandemic started is hard to put together $ XXXX together and no one in my family have that money. But I already made the arrangements, and I can afford payments of {$800.00} per month. Even we can work all for in once.
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (CA)

I have requested XXXX  and Equifax to remove hard inquiries and block accounts from my credit reports that were a result of ID theft. They have yet to do so after 10 years supplying police reports, FTC affidavits and furnishing multiple other documents from my lawyer.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo mortgage personnel opened accounts in my names and my kids names while I was a mortgage customer of theirs. The mortgage employee regularly fed bank employees the account sign ups at the XXXX XXXX WA ( and other branches ) in exchange for customer information about their existing mortgage products/rates. I discovered this was going on when I started receiving mailers about the accounts and went to the bank to inquire. The amounts were relatively low for the accounts opened ( like XXXX to XXXX dollars ) but they were opened in my name with my information.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

From to XXXX to XXXX I was not enrolled in an income based repayment plan in a loan from Navient, which in my opinion would have been the optimal choice for repayment given my income situation during those years. There may have been better options than the aforementioned but I was steered towards deferment and during those years had a total of {$4600.00} of interest capitalized in the loan. I believe there was inadequate explanation on loan policies and repayment options. This financial strain has not only impacted my life, but now the lives of the people I provide for including my wife and daughter. On my current repayment plan I will have pay over {$20000.00} dollars on a loan in which the original borrowed amount was {$9900.00} to which I have already payed over {$8500.00}. I called Navient recently and asked for help to which the only answer I received was that I needed to pay off the loan.
Consumer complaint received 2023-03-29
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: FIFTH THIRD FINANCIAL CORPORATION (ND)

Dear Sir or Madam : On XX/XX/2023, I was shocked to discover that a fictitious named person had unlawfully used my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code ; in order to make a fraudulent purchase from XXXX XXXX web application in the amount of {$3.00} without my lawful authorization. See Exhibit A. 

Please keep in mind, I have rarely used my Fifth Third Bank, XXXX XXXX XXXX business debit card to make any personal purchases, so I was perplexed, as to how this fictitious named person had obtained my Fifth Third Bank, XXXX XXXX XXXX business debit card detail information. After, I had carefully analyzed my fraudulent activity from the fictitious named person onto my Fifth Third Bank, XXXX XXXX XXXX business debit card, and I have determined two possible scenarios, as to how the fictitious named person had made this XXXX XXXX fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card have occurred either : 1. An employee at the United State Postal Service ( USPS ) jurisdictional facility had intentionally, unlawfully, knowingly, and willfully opened my Fifth Third Bank, XXXX XXXX XXXX business debit card envelope then wrote down my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code information, and the USPS employee had resealed it with a difference envelope before delivery it to my residential address ; in order to caused fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card for fraudulent use at a later date such as, XX/XX/2023 ; or XXXX. An assailant had unlawfully trespassed against me while I was asleep, and gone into my XXXX XXXX XXXX, and the assailant had unlawfully accessed my personal wallet ; in order to obtain my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code for fraudulent use dated on XX/XX/2023. 

However, I had taken immediate action by way of contacting my Fifth Third Banks customer service representative straight away and I had cancelled my Fifth Third Bank, XXXX XXXX XXXX business debit card and I have disputed the XXXX XXXX transactional charges in the amount of {$3.00} made by the fictitious name person before any more damage could be done. When I became aware of the fraudulent charge made by the fictitious named person against my Fifth Third Bank, XXXX XXXX XXXX business debit card without my lawful authority. It is extremely unsettling and unnerving to know that the fictitious named person had my Fifth Third Bank, XXXX XXXX XXXX business debit card details information for such a long period of time and used it to commit fraud. 

I trust Fifth Third Bank will take the necessary action to investigate how my Fifth Third Bank, XXXX XXXX XXXX business debit card was unlawfully accessed by a fictitious named person. 

Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one new collection account showed up on my credit report, an alleged collection name PHOENIX FINANCIAL SERVICES, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from the 3 BUREUAS CREDIT REPORT.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (FL)

Spoke to XXXX Customer Service PNC Bank XXXX, she transferred to XXXX in the Loss Mitigation account was handled by XXXX ; she was not available. She advised I should call XXXX & Ext. XXXX. Transferred to the foreclosure. 
dept. spoke to XXXX XXXX stated they're not working on mortgage assistance application because of the term 's limits. After several denials they are no longer eligible for a modification according to the Investor rules. The only option is a short sale or to bring the debt current. Spoke with customer service PNC Customer service, XXXX XXXX she told me to resubmit the mortgage assistance request with financials. Resubmitted request XXXX for mortgage help. Was told there is still a foreclosure sale date set for XXXX. See timeline for PNC loss mitigation dept unwilling to help me save my house from foreclosure.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MS)

On XXXX, I sent dispute letters to XXXX, XXXX, and CCS Companies about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Consumer complaint received 2021-08-17
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. 
A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (PA)

Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I cosigned a CareCredit account for my son so that he could get some XXXX work done. The Credit line was set at XXXX 
On XX/XX/XXXX my son passed away at age XXXX.
On XX/XX/XXXX I contacted Synchrony Bank to find out the balance of the CareCredit account and take care of the account. I discovered that the Credit line had been increased to {$6400.00} at some point and I had not been notified. They stated that they sometimes increase credit lines with out notification. There is no way that my son 's credit rating would have been a reason for this increase. He was struggling financially. They probably increased it based on my credit rating and did not contact me as the cosigner. I am more than willing to pay the {$3000.00} that I cosigned for, however they are telling me that I must pay the entire amount owed which is {$6200.00}. They said that the account does not qualify for any assistance. 
Due to the expenses associated with his XXXX, I am not able to pay this and the monthly payments will be a financial burden. I feel I should have been notified about a credit line increase and had the opportunity to say no. Please advise me on how to move forward with this.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc. (OH)

the collection company summonsed me to come to the court in out county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report
Consumer complaint received 2022-01-07
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: CLGF Holdco 1, LLC (CA)

I have an inquires from this company on my credit report from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that I did not authorize. The company is called Genesis Financial Solutions