davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, a representative from XXXX XXXX XXXX XXXX XXXX ( hereafter, " XXXX XXXX '' ) offered to reduce my student loan monthly payments to {$360.00} per month. My monthly payments were substantially higher, so I accepted their offer. I continued making payments to the company from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX that the company had accepted my cancellation request for their services using their ID number. 

Unbeknownst to me, the company had contacted the US Department of Education and changed my address from XXXX, PA to XXXX XXXX, CA. Furthermore, the company submitted paperwork indicating that my monthly income was {$0.00}. At the time, I was employed as a full time high school teacher. As a result of the changed income, the US Department of Education granted me a forebearance of my student loan debt ; meanwhile, I was paying the company {$360.00} per month. [ My credit report still indicates XXXX XXXX XXXX, XXXX XXXX, CA XXXX as a previous address. At no time in my life have I ever lived in California. ] As a result of the company 's phony paperwork with the Department of Education, my loans eventually came out of forebearance and defaulted. I contacted the US Department of Education, and I recall filing a complaint with them, but never heard anything further apart from receiving notices to pay my student debt. Ultimately, I contacted XXXX XXXX XXXX, who reduced my monthly payments to {$50.00} per month which was reported and paid to the US Department of Education. 

I am a XXXX XXXX  with a XXXX XXXX XXXX from XXXX XXXX. In XXXX, XXXX, I filed a claim with the Social Security Administration for XXXX, which was ultimately granted at an administrative law hearing in XXXX, PA in XX/XX/XXXX. I contacted the US Department of Education and was granted a full discharge of my student loans, with a three year post discharge monitoring period. Incidentally, my wife has XXXX XXXX XXXX along with a XXXX XXXX XXXX. She has also filed a claim for XXXX and hopes to have her loans discharged soon after she wins her hearing at the end of XXXX. 

Upon seeing Attorney General XXXX 's news report about taking on another phony student loan company, I decided that I should seek redress and potential relief from their deceptive practices.This complaint in its entirety was filed with the Pennsylvania Attorney General 's Office, who handed it over to the PA Bureau of Consumer Protection, from whom I received a response on XX/XX/XXXX by Agent XXXX XXXX. My account number with them is XXXX.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CO)

I had a XXXX payment sent last week. It has still not cleared. The money left the others person 's account on monday and I have still not my money. Every time i call chase im sent to some XXXX XXXX XXXX  and get zero help. I am not sure why i do not have access to my money or why these customer service reps are so incompetent. I have called in many times trying to resolve this directly, but with no success. 

CHASE DO BETTER I AM XXXX AND THIS REALLY IS NOT OK TO DO. DO I NEED TO CONTACT ADA? WHY CANT I GET ANY GOOD CUSTOMER SERVICE? 

XXXX from the XXXX XXXX XXXX refused to transfer my call to the supervisor and mocked me when I mentioned that I was XXXX, then hung up on me. I encourage chase to pull the call and here this
Consumer complaint received 2021-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-03-07
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. (NC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TX)

i discovered on my XXXX report i have the following collection -Collection Agency XXXX XXXX Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX amount {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2022-05-02
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: Credence Resource Management, LLC (FL)

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) account opened XX/XX/XXXX XXXX
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

In XXXX of XXXX, my husband and I caught XXXX. He was out of work for about three weeks and didnt receive a paycheck for a month. We fell behind on our mortgage. We contacted our mortgage company ( XXXX ) to let them know. We thought they would be understanding and willing to help. They were horrible! Asked all of kinds of personal questions as well as told us we had to pay it and there are no other options pretty much. They had one option to that they put us in which was their assistance program. We had to wait a month before they gave us an answer. After they month, we received a decision. They denied it because they stated they felt like we could pay it. How can you pay off youre 2 months behind and payments are steady coming in. I know that since Covid, lots of programs have been in place to help them in times such as this. We didnt ask for XXXX. It just happened and our mortgage company was the worst company that we dealt with. Everyone else weee very helpful and deferred our payments so we could easily catch up.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

I bought two pieces of land from the Government auction on XX/XX/XXXX for a total of {$6300.00}. I called XXXX county and XXXX county both counties where the land is located and the county tax and assessor departments could not give me accurate information where the land was located besides a plat map. That is a red flag inside of itself of the fact that the county doesnt even have the correct information. As it states on the website " As it relates to any Land property you have a period of 7 days ''. I have emails pertaining to requesting a refund within the 7 days and now the auction site isnt picking the phone up or returning emails. This is a fraudulent transaction. The XXXX  parcel search is showing the ID that they gave me XXXX acres of land but i only bought XXXX acres. The picture is in the attachments
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (GA)

I have a personal AMEX card and used to have a corporate AMEX card that has been closed for years. For several weeks I erroneously made payments to the closed corporate card accounts. The sum of the payments was greater than {$4500.00}. I discovered the error when I saw the balance on my personal account not at {$0.00} and collected a history of my recent payments prior to calling AMEX about the issue. I pay the balance on my personal AMEX in full each billing period. 

When I called AMEX requesting to have the payments to my closed corporate account transferred to my personal account, I was told the transfer would take 5-7 business days. On the 8th day, I called AMEX because the transfer had not been made. They informed me that the process had not even started and that it would take another 3-4 days. I declined the offer and asked to have a wire transfer refund. AMEX collected my account and routing information and said that the refund would take 3-4 days. I waited two business days and called AMEX to see if the refund was in process. AMEX told me that the process had not started and that I would have my refund no later than 8 more days on XX/XX/XXXX. 

Today is XX/XX/XXXX and I still don't have my refund. I have no faith that AMEX is trying to refund my money.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have disputed an account with Equifax over 15 times concerning XXXX XXXX XXXX account # XXXX - there was inaccurate and incorrect reporting for years on this account before it was paid off - even XXXX did not have the correct information. XXXX has changed the reporting on this count at least 5 times and Equifax has this on record. According to section 1681i - they are to perform a reasonable investigation and once that investigation is performed the information has to be updated or deleted. Well in my case Equifax sent me letters stated the account was verified and then came back with letters after more disputing saying XXXX updated. Well if XXXX updated multiple times - that should let Equifax know the information is incorrect!! If the information is correct why continue to change the dates I was late over several years - multiple times? If XXXX is furnishing accurate information they should have a need to continue to change and update and change the original updated information - then go back and change that information several more times. The inconsistencies and errors on this account are appalling and have violed the FCRA and maximum accuracy standard. Please delete this inaccurate account from my credit report. At the very least the entire account should have all late payments removed because of the inconsistent and inaccurate reporting on this account. Lastly, since XX/XX/2021 my Equifax XXXX XXXX score has dropped 20 points for no apparent reason and I am thinking it is associated with something to past disputes. Please resolve my scoring as well.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/21 while reviewing my credit report I noticed a significant drop in my score. One bureau was reduced by 80 points while the other was over 100 points. Shellpoint Mortgage had reported me over 30 days late ; however, I have a modification agreement in place which starts XX/XX/21. We were told that it would not negatively impact us but that is not the case. The more concerning part is that when my records are corrected the credit bureaus will NOT be increased by equal numbers it was decreased by. It's unfortunate that we are affected in this manner.
Consumer complaint received 2022-07-18
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: FactorTrust, Inc. (LA)

I, XXXX XXXX, a federally protected consumer, am submitting this complaint against Factor Trust , INC. Factor Trust has my personal information inaccurate and incorrect on my consumer report which is causing great stress. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I do not have any other addresses and I Do not wish to disclose any other addresses. Unless Factor Trust can produce or present to me legally authorized evidence to retain, much less report, these addresses, I DEMAND THAT FACTOR TRUST DELETE THEM FROM MY CONSUMER REPORT. Otherwise, Factor Trust is infringing on my federally protected consumer rights. " XXXX XXXX XXXX XXXX, LA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX '' NEED TO BE DELETED. Factor Trust has no legal authority to retain these inaccurate addresses on my report, especially without my consent. ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain mush less report these employers. I DEMAND THAT THEY ARE DELETED FROM MY CONSUMER REPORT. THE FOLLOWING BANK ACCOUNT IN ATTACHED LETTER SHOULD ALSO BE REMOVED. THERE IS NO REASON MY NONPUBLIC PERSONAL INFORMATION SHOULD BE SHARED WITH ANY THIRD PARTIES. I DEMAND THESE INACCURACIES BE CORRECTED IMMEDIATELY BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Factor Trust is now liable for damages of {$1000.00} per violation for civil liability for willful noncompliance. this also includes any actual damages.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I received a grant from a XXXX XXXX XXXX XXXX ( stay ) for six months of mortgage payments. mortgage assistance due to the corona virus pandemic. The mortgage service provider received the the payment in the amount of {$3300.00}. They cashed the check on XX/XX/XXXX th but have not posted the funds to my account as of this date. I had received a letter after a grueling ordeal that they needed 30 days to resolve the dispute. I just received another letter stating that they need another 30 days. The customer service representatives have not been kind or helpful ( especially the one I spoke with today ) I have been requested to send documentation proving the payment was received by SPS servicing and I have done so. I would like for my grant for my Six months of mortgage payments to be posted to my account. On top of this SPS has sent something to make my credit score drop XXXX points. I was told today to dispute it on the credit bureaus. I am under severe stress from all of this Thank you
Consumer complaint received 2022-06-19
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. (IL)

I have another complaint against this XXXX XXXX XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n 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 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (FL)

I send a 1099-A 1099-C 1099-OLD I call them in XX/XX/2023 they said they had not received it yet and when it come the will be send me my title to my car that never happened on last Monday they call my dad and said they was looking for my car so i call them they said they never received the info so i told them they have a billing error they said they didnt know what a billing error was this is what i send to them its not letting me send forms so they are in the mail