davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NC)

I have contacted Equifax 3 times to remove 3 incorrect inquiries which they would not I was instructed by multiple supervisers that if I filed a complaint with the FTC and sent this and my driver 's license, letter of instruction and social security card in via fax, they would remove these. I have attached a receipt from the fax service showing successful delivery to Equifax on XX/XX/2022. 
As I provided what Equifax asked me for, they are violating my rights and also violating the FCRA as well.
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2020 they received and acknowledged my dispute to XXXX, Transunion, & XXXX  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}
Consumer complaint received 2023-02-08
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX 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 2020-10-12
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. (CO)

Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
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. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

I have been having issues with Synchrony Bank credit card ( specifically the Gap credit card ). There have been issues in the past that when the statement ends with a negative balance it is shown as {$0.00} instead of the negative balance when it carries over to the next month/billing cycle. As a result, I am not given my credits and I am being over billed by the credit card company. 

This is the second time that I have caught this issue and I am afraid that it has happened many times prior. I would like to have a thorough audit done to provide proof that I have been given all of my credits and not over billed. 

I have enclosed my statements from XXXX, XXXX, XXXX 2019. The ending statement on XXXX 2019 was {$0.00} but in fact, it should have been a negative balance of - {$710.00}. This negative balance was not pulled over to XXXX cycle, instead they pulled over {$0.00} and therefore I was not credited the {$710.00}. Interestingly, they did do it correctly in XXXX and pulled over a {$290.00} credit. Very weird to say the least. 

This exact scenario happened about one year ago with this credit card company and I called the credit card company and it took me multiple days of phone calls for someone to finally look at the balances and do the math to see that I was correct. Then, when they corrected the issue they just moved numbers around but never actually gave me the refund, however I did not print the statements prior to them making the changes and I had no proof. I feel that this has happened a number of times over the years and is happening to customers other than myself. 

I would like the credit that I am owed and a thorough investigation of my account to see if I am entitled to additional credits.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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

Account Name : XXXXXXXX XXXX  # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and September 2020 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. 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 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX of the year XXXX, I received a letter from Wells Fargo Home Mortgage that if I could not pay my property taxes, they could open an escrow account for me. A few weeks later, I received a telephone call from a female representative of Wells Fargo offering the same, and I told her I was fine, and did not need a escrow account. Wells Fargo then informed me a couple of weeks later that they paid my taxes totaling {$1400.00}, which I had until XX/XX/XXXX to pay {$960.00}, according to my county tax commissioner. Wells Fargo stated I had a {$440.00} late fee that they paid. I have never been late or delinquent in paying my taxes, in which XXXX XXXX tax commission informed me when I visited them to confirm Wells Fargo had indeed paid my taxes. I reported this to Wells Fargo ( Case # XXXX, Miss XXXX XXXX / Telephone # XXXX, Extension XXXX ). XXXX informed me they would Not reverse the escrow account, even though I was never late or delinquent in paying my Property Taxes, and did not request them to open an escrow account. Wells Fargo informed me my monthly mortgage payment will increase from {$750.00} a month, to {$900.00} a month, effective XX/XX/XXXX.
Consumer complaint received 2019-11-04
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. (FL)

Equifax and XXXX  are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2023 I received an email stating " Welcome to your new XXXX XXXX XXXX Banking Account. '' I was also enrolled in Online and Mobile Banking the same day. I did not apply for an account, nor create an account.

I immediately called Bank of America ( BoA ) to close the account. I was told that I needed to file a claim, which I did ( XXXX ) and reported to the three credit bureaus. I was told by BoA my account was red flagged, but not closed. Credits could still be accepted, but withdrawals and transfers could not. I was also told I could go into any branch and complete the affidavit for identity theft. 

XX/XX/2023 I visited the BoA in XXXX, MI ( XXXX XXXX ) and provided 2 state issued IDs and a credit card and requested my account be closed. I was again told by BoA my account was red flagged, but not closed. I was told that my account needed to remain open for 90 days for investigation. Credits could still be accepted, but withdrawals and transfers could not. 

XX/XX/2023 I received a debit card in the mail from BoA. I also received a Uniform Affidavit for Identity theft, which requires me to provide copies of VERY sensitive information and still does not close my account. 

I want my account closed. It seems either BoA created this account on my behalf or someone has my social security number. Either way, I want it closed.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion multiple times for help with removing several inquires off my report that are unauthorized. I sent police report and letter back in XX/XX/2020as requested and nothing was done. I called the most recent times on Thursday XX/XX/2020, XX/XX/2020, and finally XX/XX/XXXX,, 2020. Each time I was connected to fraud department and told something different. I was told hard inquires could not be removed, that they were to old to be submitted for review and removal, that there system would not let them submit to check to validity of the inquires, and finally was told to submit a letter and police report again. It is extremely disheartening that there customer service departments were unwilling to help me.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (TX)

My neighbors and I have received letters from a company called JFQ Lending, and feel they are totally mislieading consumers. To be clear, I have not done business with this company before and have a mortgage with another lender, but I do get these letters from JFQ Lending. Their letters come in unmarked envolovopes and they appear to be from my lender and/or XXXX. I will not type anything else, but below is a brief layout of letter ( leaving out specifics ). I really hope this letter is stopped so JFQ Lending does not deceive others : UNDERSTANDING XXXX  ENHANCEMENTS Dear <Customer Name> *Your Economic Benefits* Your current loan with <My Current Mortgage Lender> has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility . These changes will generate economic benefit to those like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of $ X, XXX.XX, a shortened payment term, or lower mortgage payment. 

*What you Need to Do* To get the necessary information call our office at XXXX before XX/XX/2021. Please have notice number XXXXXXX ready when calling our Enhancement Help Desk to discuss your new loan informaiton. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process please have your notice number available when calling.
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

JP MORGAN CHASE AUTO FINANCE DEPARTMENT APPROVED {$18000.00} ,72 MONTHS TERM .ON XX/XX/2017 I PUCHASED A XXXX XXXX XXXXXXXX XXXX AFTER PRINTING THE APPROVAL AND TAKING IT TO XXXX XXXX . 
CHASE SENT A NEW LETTER TO ME ABOUT THE LOAN STATING XXXX XXXX HAD THE AMOUNT WRONG AND THEY WILL NOT FINANCE {$18000.00}. 
XXXX XXXX FINANCE DEPARTMENT STATED CHASE PAYED THE {$18000.00} IN FULL. 
I NEED TO UNDERSTAND WHAT ARE MY TERMS AND THE CORRECT AGREEMENT FROM JP MORGAN CHASE? 
NO ONE CAN TELL MY THE CORRECT AMOUNT IM PAYING MONTLY? 
AND AFTER THE LOAN IS PAID OUT WILL I STILL OWN FOR MY TITLE?
Consumer complaint received 2023-01-09
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. (NJ)

XXXXEquifax and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2021-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AXOS FINANCIAL, INC. (FL)

I was discriminately by AxosBank -- Loan-Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no reason. i was deny a loan all documentation was provided My credit history which is attach on complaint is excellent- I will forward this to the state attorney, FBI XXXX DEPARMENT OF TREUSURY and the related to put out there this bank fraudulent behavior
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX RE : Synchrony XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Credit Card Subject : Credit Card XXXX I am contacting in reference to a purchase made through my XXXX XXXX XXXX Synchrony card. My original purchase had a delivery date of XX/XX/XXXX for a portion of my purchase which totaled {$2200.00} to synchrony. The second shipment was to be delivered was XXXX to Synchrony which totaled {$3600.00}. 
Initially, I disputed XXXX due to it wasn't XXXX of my purchased amount listed above but I called XXXX XXXX XXXX to find out that they were billing my purchases separately. I had to dismiss the dispute and this took a few months to fix. I called XXXX XXXX XXXX and Synchrony to ensure this was fixed. However XXXX XXXX XXXX took responsibility for the error and Synchrony has not fixed the amount on my account since day XXXX. Synchrony has doubled and tripled some of the purchase amounts. It is a year since I purchased the bedroom set. As of right now my balance is showing as {$4200.00}. My balance has even been over XXXX. Which is all incorrect. I have called so many times to no avail. I have been told over and over this will be fixed however its not. Meaning, I have called weekly & monthly since this circumstance happened. I have spoken to customer reps and supervisors and to no avail. Another issue is they have reported these inaccurate amounts to my credit reports every month. I wish I could include my receipts for my orders from XXXX XXXX XXXX which I provided to Synchrony as well. I also have XXXX statements which both have the totals wrong. I confirmed my actual purchase amount with XXXX XXXX XXXX twice as well. Due to the fact I have called Synchrony weekly and monthly for almost a year I am requesting your assistance. In addition, I have been making payments on this as well. My current total as of XX/XX/XXXX should be {$2800.00}.
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NJ)

I WAS CONTACTED BY XXXX AT MONEYLION ON XX/XX/29 WHO WAS ASSIGNED TO MY LOAN TO HELP RESOLVE MY ISSUES. TO DATE, MONEY LION HAS VERIFIED THEY WERE TAKING LOAN PAYMENTS FROM AN AUTHORIZED ACCOUNT. SHE INFORMED ME THAT SHE WOULD CONTACT THE REPORTING AGENCY TO HAVE ALL LATE PAYMENTS REMOVED AND MY BALANCE UPDATED. AS PER MY SCREENSHOTS THIS HAS NOT BEEN DONE. THIS IS CAUSING ME PERSONAL PAIN AND SUFFERING. PLEASE HELP WITH THIS. XXXX HAS STOPPED RESPONDING TO MY EMAILS AND PHONE CALLS
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

National Credit Audit company removed debt from credit report but it was added back and I have yet to receive any notices of how it was verified and why the debt was re-added {$2900.00}. The original creditor was unable to send verification. The complaint is that they are not providing the documentation used to verify this debt.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX, person or persons unknown used my debit card number through Paypal and 3 transactions took {$1200.00} from my bank account. The bank disabled the card and issued a new one. I contacted Paypal whereupon a representative confirmed the fraudulent transactions. I was told that it may take 10 to 15 business days to get the funds returned to my bank. They would not send me an email confirming the conversation or anything that was told to me. I was only given a reference number. My bank tells me they can do nothing to facilitate the return until Paypal has acted. The money was meant to pay local property taxes that are due XXXX XXXX. I and my wife are seniors on fixed income. We now no longer have the funds to pay the taxes on time.