davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (FL)

I called XXXX, Equifax and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my equifax and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (TX)

XX/XX/2015 received a MasterCard from Net Spend Access associated with XXXX XXXX   which was received unsolicitated. 
Have tried, unsuccessful, to contact both Net Spend and XXXX XXXX with great difficulty in obtaining phone number and not being able to talk to anyone. Customer service number requires account number and personal social security number without which no contact. Have emailed via their site, that this card was unsolicitated and asked who authorized same. I have destroyed this card and will tell all I know to be wary of unsolicitated credit/debit/ cards.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Some one help me, ATTORNEY GENERAL OFFICE, FBI, FDIC, OCC, and all other agencies, this is one of most disgusting things I ever seen, I have paperwork to prove XXXX XXXX CREDIT CARD closed my account out clean and reported me good for for over a year with account closed. Well someone disputed them at TRANSUNION or something, I am going after XXXX XXXX for money they owe me, the XXXX have nothing to do with each other, you are not gon na believe what XXXX XXXX did, and TRANSUNION, XXXX XXXX out of spite illegally put a remark on my TRANSUNION and brought my credit from XXXX to XXXX with a negative remark which has should never been on there, they are doing it out of spite, first of all I have every right to go after them for illegally embezzling money on my credit card, they have been reporting positive for over a year, but the issues run deeper, XXXX XXXX closed my card and said they did n't, but oddly right at {$1000.00} which was my secured deposit WHICH IN ITSELF MAKES NO SENSE, but they also re put disputes on their over {$1500.00} worth and kept the money, these things have nothing to do with credit reporting, but they put a negative remark out of spite with after being identity theft, beaten on property and other things they know, they have hurt my health, my credit to get a loan for car or home and job and then some, this is criminal and I will not rest til they pay for what they did, how gross and scary.
Consumer complaint received 2023-03-29
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 recently received a copy of my Equifax credit report and found the following inquiries to be in error : XXXX XXXX ( XXXX ) DATE OF INQUIRY : XX/XX/2021 I never authorized this creditor to obtain my credit report ( s ). This is a clear violation of the FCRA. Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must : Provide complete and accurate information to the credit reporting agencies ; Investigate consumer disputes received from credit reporting agencies ; Correct, delete, or verify information within 30 days of receipt of a dispute ; and, Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month.
Consumer complaint received 2020-04-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX was used as the reason for the suspects to attack  my family and I. XXXX XXXX Account # XXXX and any association to XXXX  under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more attacks  on innocent. 
XXXX account # : XXXX XXXX  : XXXX XXXX XXXX XXXX, pa  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

XXXX. I was contacted first by someone claiming to be a process server. They stated I was being sued in civil court regarding a Chase credit card, which Ive never had. He gave me a number to call XXXX who stated the same information. Claiming they were going to put a lien against my new vehicle. My concern is they were able to tell me the last 4 digits of my social security number, the make, model and year of my current vehicle, my current address and a previous address.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX Federal Reserve form XXXX Federal Reserve form XXXX Federal Reserve form XXXX The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION 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. I also asked them to present these documents from the following vendors/creditors : VILLAGE GREEN APARTMENTS acct-XXXX and they have failed to do so.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CoinZoom, Inc. (CA)

On XX/XX/2023, I submitted a request to Coinzoom to close my accounts with them. On XX/XX/2023, CoinZoom support staff replied that they would not or could not comply with my account closure request, citing that their system does not support such action. 

I do not have any outstanding debts or other obligations that would necessitate keeping the account open. 

CoinZoom cites that complete deletion of my personal info from their system is not possible due to financial records laws, but I have not requested deletion of my info- I have only requested for my accounts to be closed.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, I filed my Federal Income Tax Return for XX/XX/XXXX electronically through a professional tax return preparer, I was entitled to a Federal Tax Refund of {$XXXX}. The refund was to be directly deposited into my Chase Bank checking account. In the process of providing information to the tax preparer, I made an error in my account of one digit. As a result, the IRS electronically deposited my refund into some other Chase account. In XX/XX/XXXX, when the refund did not appear in my account, I sought assistance from a local Chase Bank manager. She was able to confirm that my refund was deposited into the wrong account, and assured me that the money would be recovered and returned to me. Since that time, ten months ago, I have made many attempts to resolve the issue and have the funds returned to me. I 've made scores of calls to Chase Bank and the IRS. I am possession of various documents from the IRS to Chase Bank confirming that the funds were deposited into the wrong account, and advising me to contact the bank, which I immediately did again and again. On one of the IRS forms, dated XX/XX/XXXX, Chase bank states that the money was received but that the " name does not match '' the account into which it was deposited. I enlisted assistance from the IRS Taxpayer Advocate Service which has informed me that the " IRS does not have the authority to demand return of the refund from the designated financial institution '', and that Form FMS 105.1 was sent to Chase on my behalf to search for the electronic funds transfer, which we know went into the wrong account. While it is obvious, and I freely admit, that I made the original error in reporting my account number, it is also obvious that Chase Bank has been negligent in its duty to ensure that the refund be returned to me, a long time customer and the only legitimate person to claim that refund money.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report as well as the corresponding inquiries : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX BANK Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX , XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

The following collection account does not belong to me : *MRSBPO/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor and no validation has been provided. 

I have previously tried disputing this account on several occasions. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am currently paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. Furthermore, I wouldn't be able to continue my services with XXXX, if I owed a previous balance on a closed account that was sent to collections. This account needs to be PERMANENTLY REMOVED from my credit file. 

If the collection company insists that I am the rightful owner of this alleged debt, please provide me with validation, proving that I in fact owe a balance to XXXX. Please provide me with the name and contact number for the original creditor, a breakdown of the balance I allegedly owe and the original contract that was signed. I would also like to be provided the first date of delinquency and the last activity date on this alleged debt to ensure this account belongs to me and is accurate.
Consumer complaint received 2018-05-28
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: EQUIFAX, INC. (GA)

while looking at my credit report and scores on XX/XX/2018 i noticed a past due on an account with XXXX. but no contact info was given for XXXX on the report nor a complete account number.This was on my Equifax report, the account shows closed XXXX blance and past due. I sent a letter to Equifax but could not send one to XXXX without contact info to challenge.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX U.S. Department of Justice Civil Rights Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX Director Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend ; Please assist me in obtaining a release from my current excess PMI requirement. I requested the removal of the PMI about 45 days ago. I was not contacted or visited by XXXX or the new mortgage servicers PNCXXXX XXXX appraiser . I was not contacted by an appraiser. When I called PNCXXXX XXXX for an update on my Primary Mortgage Insurance I was informed that the request was declined.

The parties involved have committed consumer fraud. They are charging PMI for an unfair profit. The current OPEN DOOR offer for the home is {$430000.00}. The current loan amount is lest than {$300000.00}. 

PROOF AND EVIDENCE OPEN DOOR APPRAISAIL Selling Offer {$430000.00} Status Expired Expiration date XX/XX/XXXX aboutOpendoor Brokerage TREC  : Information about Brokerage Services |Consumer Protection Notice California DRE # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX The OCC , Board , FDIC , NCUA , Bureau XXXX and FHFA ( collectively, the Agencies ) are adopting a final rule to implement the minimum requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the Dodd-Frank Act ) to be applied by participating States in the registration and supervision of appraisal management companies ( AMCs ). The final rule also implements the minimum requirements in the Dodd-Frank Act for AMCs that are subsidiaries owned and controlled by an insured depository institution and regulated by a Federal financial institutions regulatory agency ( Federally regulated AMCs ). Under the final rule, these Federally regulated AMCs do not need to register with a State, but are subject to the same minimum requirements as State-regulated AMCs. The final rule also implements the requirement for States to report to the Appraisal Subcommittee ( ASC ) of the Federal Financial Institutions Examination Council ( FFIEC ) the information required by the XXXX to administer the new national registry of AMCs ( AMC National Registry ). In conjunction with this implementation, the FDIC is integrating its appraisal regulations for State nonmember banks and State savings associations.
Consumer complaint received 2020-04-19
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. (TX)

ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunlight Financial LLC (VA)

I was a customer of XXXX XXXX who went out of business. They sold aolar panels. Sunlight financial is who the loan was put through. XXXX XXXX went out of business before they completed my install, set and activation. I am not on the grill and am still paying a full electric bill. I can not afford to pay my electric bill and these panels that is not operating on my behalf. They continued to call me for money and told that they might have to report my debt to the credit bureau. They have failed to help me with getting on line. And is still charging interest on this loan. I gave them XXXX dollars.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Hello, the company involved is https : //www.fayservicing.com/ they are the lender that holds the note/loan for an investment home that I have in Texas. They have been un-responsive, un-reachable, and have NOT taken the money out of my account for my monthly auto pay for my mortgage. Also when my loan was taken over by them, the original lender XXXX paied a {$2200.00} escrow shortage. Fay Services did not recognize or see this payment, and made it for a second time on their behalf. They then added the {$2200.00} to my mortgage for me to pay. I had to call the original lender XXXX and get documented evidence that this was paid. They then said they would reach out to the county and it would be handled somhow. They then told me they would lower my mortgage to take care of the adjustment. Again NO money or auto pay has hit my account. I have no idea what is going on. My mortgage is late on the XXXX, and hasnt been paid this month as I can not get ahold of them.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was released from XXXX XXXX XXXX,2016 and upon my release I am trying to get my credit together. Upon recent of my report I see I have inquiries in my report which is impossible becuase while in XXXX you can not apply or have credit so thes inquiries are not mine. I should not have any inquires in my file. I sent over all my documentation including my id from XXXX which proves I was just released.
Consumer complaint received 2016-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application information.
Consumer complaint received 2020-04-19
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 have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX  XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$95.00} XXXX  XX/XX/XXXX {$760.00} XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX  XXXX XXXX  XX/XX/XXXX {$700.00} XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX  XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.