davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (NJ)

After reviewing my credit report from XX/XX/XXXX, XX/XX/XXXX I noticed that the report has credit inquiries that I did not authorize. I sent XXXX letters to Equifax because I previously disputed these inquiries stating : XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or DELETE the following inquires highlighted in yellow : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

I asked that these inquires be verified and proof be sent to me, they have failed to send me proof on both occasions and I have not received any proof.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Prime Source Mortgage, Inc (CA)

I was refinancing XXXX of my XXXX properties with Prime Source Mortgage in XXXX, CA. They approved, then denied my applications, then approved XXXX of the XXXX. I decided, I no longer wanted to work with this company and moved my application to the Broker I was working with prior to Prime Source Mortgage. My loans are approved with XXXX through the broker XXXX XXXX. The lender has requested to have my appraisals transferred, that I paid for. They will not transfer. Prime Source Mortgage has indicated that they have proprietary ownership of my loans? They are refusing to release all XXXX of my appraisals to the lender I have chosen to work with. How can a lender stop me from choosing to work with someone else?
Consumer complaint received 2022-01-25
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. (NY)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE
Consumer complaint received 2022-08-25
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2016-09-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (PA)

My name is XXXX XXXX : I am writing because I have not been able to use Western Union nor XXXX to do money transaction here in the State of Pennsylvania as I have been doing money transactions with these XXXX companies for several years up until XXXX XXXX of this year. 
I had received refunded my money back and will need to do a transaction again in XXXX and I want to know for sure before that time I will be able to use either XXXX before that time. The resolution is that I can go to any Western Union store or a XXXX XXXX store to do money transactions without being interrogated by the clerks at these stores. 
Thank you in advance as I received your latest email saying that the XXXX was still being investigated and I would rather use WESTERN UNION or XXXX as I do them in person but would like to be able to do them on the computer. 
Sincerely XXXX XXXX
Consumer complaint received 2022-11-18
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-11-18
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: CarMax, Inc. (GA)

CarMax has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Johnson Mark LLC (ID)

The company was Johnson Mark LLC " attorneys at law '' XXXX XXXX XXXX XXXX UT XXXX, XXXX and they submitted a request to garnish my wages for a creditor called " XXXX XXXX '' and I dont even know who that is. I had paid this off and taken care of the garnishment so was not worried about that at all. I was just calling to verify the original creditor, and to give them whatever information they needed to close their case. The woman hung up on me as soon as I said I had paid the bill. Then when I called back and asked what I could provide for her to close the case she raised her voice and said it was coming out of my check ( which doesnt matter as I dont even work for the company they were trying to collect wages through anyways even if I had not paid it ). I really was just trying to verify the original creditor and give them a courtesy call and she started screaming at me and said " get off my phone!!! '' and hung up on me again. I dont care that it was paid, that it was garnished etc and felt like i handled the call as well as I could... but i do feel like it should be illegal, if it is not, for a company to be able to garnish your wages, and then not only not clarify what it is for, but scream at you and hang up on you when you are trying to clarify a debt. They contacted me a week ago XXXX XX/XX/22 and I called them back today, at XXXX and XXXX MST. I still need to know exactly what the charge is, as I am working through old debts and need to know exactly which creditor to scratch off my list, but am afraid to call back. : ( I also asked her if this was regarding a debt from " XXXX  '' and she said yes, in the middle of screaming at me, so I called XXXX with another number I had hoping to get someone else and they ended up being a completely different company so the little information I did get from her, was not correct and could have led to me not paying another debt based on her statement. I am pretty horrified that when I finally try to get my debts in order, this company would scream at me for calling to let them know I am paying their bill.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

we were told it would be 7 years than it would come off out record. all but Equifax did come off. they told us 10 years, even the our lawyer told us 7 years his office process the bankrupty when we told him we did n't want to do it. 
why is XXXX agency report not the same when come to this
Consumer complaint received 2022-11-18
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. (CA)

On XX/XX/2022, i saw i had a pending transaction for {$100.00} from a company called XXXX. Never heard of them. so I called chase they cancel the payment and i submitted in a claim. On XX/XX/2022 they revered it and charged my account. they said XXXX submitted in a form with my name and address and a tracking number.. They were going to send me a copy. On XX/XX/XXXX I called back and got the tracking number, the picture of the delivery is not my house, so I called XXXX, they couldnt give me the name on that package nor the address but they did verify that it wasnt my name or my address. I called chase and they didnt care. I went into the office and had XXXX on speaker phone and they said nope that doesnt work. They said I need a letter from XXXXXXXX stating that tracking number does not match my name and address. I called XXXX for over 3 hours and i couldnt get a letter because my name is not associated with the package. I called back chase, they refuse to call XXXX or even on three way. They closed the claim and wont reopen until i give them evidence. I even asked if i send pictures of the house it was deliver to and mine to show they are not the same. They still refuse. I have tried calling XXXX at XXXX i have been calling every day this week no answer or a cb. please help me. i am a XXXX mom and this is alot of money for me. tracking number is XXXX XXXX
Consumer complaint received 2020-01-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

Please be advised I have submitted all my information and offer to the lender for review of a short sale. I have true hardship no money, no type of income and need to have the lender complete the review so I could avoid facing foreclosure. Borrower was in XXXX lastly working and has no income at this time and a cash offer of XXXX on the home. We kindly need assistance to have the home reviewed for the short sale. Full packet is with the lender.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-10-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C. (MI)

I am sending another complaint, no one seems to understand what happened to me .I Iost XXXX thru garnishment for a debt that is not mine. For XXXX XXXX finance agency has taken my money unlawfully because I did what they wanted. I did n't show for court .that should make me except this. If this is legitimate I should n't have to wait XXXX for verification. If this bill is mine I have no reason to persue like this, I really need someone help me. Thanks
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (VA)

I applied on Chase 's website for a Chase Freedom Unlimited credit card on XX/XX/2022 and received a confirmation of my application. The next day, on XX/XX/2022, I received a call from a Chase customer service representative who wanted to verify my current address and confirm that I had applied for a Chase card the prior day. After verifying my information with the customer service representative, I subsequently received a letter in the mail from Chase claiming that the company have received my application and that I needed to call Chase at XXXX to confirm my application information. I proceeded to call the indicated number on XX/XX/2022 at XXXX XXXX and on XX/XX/2022 at XXXXXXXX XXXX, which was during the indicated customer service hours. 

Both times, I received an automated reply after verifying my identity that my application was being processed, no further action was needed from me at the time, and that I would receive a letter in the mail with the decision of my credit card application. After a while of not receiving any contact from Chase, I called the indicated number again on XX/XX/2022 at XXXXXXXX XXXX  and reached a customer service representative this time who informed me that my application was closed since I had not called the indicated number within 30 days of applying for the credit card. When I explained to the customer service representative that I had called several times, they informed me that my application was already closed and that I would need to reapply for my desired Chase credit card. The customer service representative mentioned that they were not certain why I needed to call them originally as part of the application process because the system indicated that I did not need to provide any additional information as part of my application. 

Overall, this is a frustrating, unfair outcome as I had complied with Chase 's requests about completing my credit card application, the company claimed that I did not comply with its policies, and subsequently closed my application regardless. Also, I will now be less likely to be accepted for a credit card if I reapply soon as I have a recent inquiry in my credit bureau record, along with any further impact to my credit score.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

Several years ago I was a Discover Card Holder within a few weeks Discover closed the account because my credit score was lowered due to Fraudulent activity. I paid the account in full never late. Fast Forward to XXXX Discover pre approves me but when they finalize everything they advise me because of that old account we can not grant credit. Its not right or fair. Account was never late and paid in full.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NY)

i asked for a lost midagration and filled it out the sent me an email on XXXX with out a decsion when i called them and asked what the decion was thy got super snotty and said it was denied and we wont the XXXX is due in our office today i got nothing in writing to this matteri aslo got told take your money and find a new place to live we dont want your home so i tryed to make a payment arrangement thy didnt care thy wanted last months and this months payment today with nothing in writing what so ever i asked a nonprofet to help i havent hurd back from them so i called another thats going to help me i told 21st mortage i was going to wire money to them what i had but hade to go to the nonprofet place got called a lier fronm 21st XXXX thy will deni just like if your one day late will sue you that thy claim thy didnt say a payment was sent to them befor and thy put it on the wrong account and reported i was latewhen i wasnt we repot acterly no true i told them thy put it on wrong account and thy said it was late due to a mistake thy did and wont correct it when my wife XXXX XX/XX/2001 thy been trying to take my home away from me it was wrong thy told me money was due today with out and writing to me or the denial of the lost midagration and thy want money today by XXXX or else why didnt i get anything in writing insted of a DEMAND OVER THE PHONE XXXX by XXXX XXXX today and we will not help you all this over XXXX payment i have a wage garnisment orderd by court im paying thy know this this is wy ive been paying biweekly and thy said it was fine now this i think this company needs to be investagated also im paying on a XXXX XXXX i need and i told them the county has leains on my home due to my wifes XXXX XXXX she had to have plus her XXXX put a lean on the home though XXXX XXXX XXXX
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have been trying to fix my credit and realize that the Equifax credit reporting has my name mispelled. It has been ongoing problem and now I am getting a ton of mail with the mispelled name send to my address. 
It was brought to my attention while applying for a home loan with my local bank, on XX/XX/2019 
The correct spelling of my name is XXXX, not XXXX!
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MN)

I submitted a claim on my purchase because it was seized due to the seller selling counterfeit items. I called and sent information to PayPal since its covered under the buyers protection program but they closed my case based on false information when the previous transaction was filed in my favor. They dont listen and provided incongruent information. They lied on my case. Based on this I believe they are a company no one should use. I will no longer be using them for any transactions for items I buy in the future. This has caused so much stress I ended up in the hospital.
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.