davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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: JPMORGAN CHASE & CO. (WA)

In XXXX of last year ( 2021 ) I ordered an icemaker from XXXX through XXXX using my Chase Amazon Visa card. The order was not delivered and eventually disappeared from my XXXX order list. I searched my order history, found the order and cancelled. I then ordered a different, smaller ice maker from XXXX XXXX XXXX on my Chase card, I did receive this one. I realized I was still being charged for the first ice maker as well as the second around late XXXX. I filed a dispute through Chase and the charge was reversed. Early XXXX I received a letter from Chase stating I was denied the dispute and re-charged. In the denial documentation from Chase was attached the shipping information of the first icemaker showing it was delivered to XXXX XXXX My Billing, shipping, and delivery address is XXXX XXXX  XXXX, The complete opposite side of the country from where the delivery of the first ice maker was made. I contacted Chase twice more with this information. Even though " most '' representatives I talked to acknowledged I was wrongly being charged I was told I had to make a formal dispute by Letter through USPS with all supporting documentation. I printed Emails from XXXX and XXXX that both Acknowledge I never received the first ice make and show I will not be charged for it. I Included a letter with this to Chase explaining all this as well. I received another denial letter from chase XX/XX/XXXX. At this point I feel like I am a victim of criminal activity toward me from Chase and would truly appreciate any help I can get with this matter. I will attach the letters from XXXX and XXXX as well as my dispute letter to Chase. For reference the amount I am disputing with Chase for the first icemaker is {$2400.00}
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

I am in the process of getting preapproved for a loan. On XX/XX/XXXX, I received information from a Loan Officer that Shellpoint Mortgage had reported me 60 days delinquent on my mortgage in XX/XX/XXXX. I filed a complaint with CFPC XX/XX/XXXX, regarding this situation and Shellpoint responded with a letter dated XX/XX/XXXX, stating they had misapplied the funds and I actually had a credit. I spoke to Shellpoint today XX/XX/XXXX, and was told that I had to send them my credit report in order to have this fraudulent credit reporting corrected. I am not spending money on a credit report or wasting my time correcting Shellpoint 's error. I am requesting that Shellpoint provide me with a letter stating I have had no late payments in the last twelve months.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-03-28
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent and reported it across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-12-16
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. (OH)

I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX  xxxxxxxxxxxxxxxx XXXX
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (WI)

I have been receiving my direct deposit on my American Express serve card for three been my third pay period and I have had no issues at no point in time have been notified by American Express or serve that they were going to be rejecting my direct deposit going forward their claim was because of activity on the account the direct deposit came in I use the debit card and took the money out that was the thing I have done the entire time Ive had the account open they are now refusing to deposit theres one direct deposit which is my last direct deposit and I will happily close the accounts after this but theyre refusing to even give it back to me and I can not afford to be in that got my paycheck which is why I have it direct deposited in the first place when I spoke to Two people the first person told me that the reason this was happening was because my name was spelled wrong on my direct deposit which was not correct at all it was a lie then the second person told me that at all she could tell me was it wasnt gon na happen I wasnt getting my direct deposit yesterday Im a XXXX  they refused to transfer me told me they were as no one above them and there was no security department either that handled anything like this basically I was told that this decision comes out of thin air and it is what it is and I have to deal with it I will not receive my paycheck now for another week which means I will put my son I have a XXXX-year-old son that I put food on the table for I keep a roof over his head and I hate to break it to everybody but elections are now on the rise and thats what I will be facing because of this company
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Purchased a used XXXX XXXX from nissan of XXXX on XX/XX/2021 ... was told my payments were going to be around XXXX then was told to see a guy named XXXX to finalize the paper work ... XXXX begin offering me additional services the extended warranty..my main concern which i expressed to XXXX was will my payments go back to the original quote if i could no longer afford the extended warranty and he said yes absolutely ... so i took the extended warranty but the next day i called to cancel it.. XXXX said he had not put the information in the system but it will take 30 days to cancel.. i said if its not in the system then just dont put it in he said he had to in order to cancel it..so for 3 weeks i was given the run around to cancel the extended warranty..was being told XXXX was not in dont know when he would be in, that he was theg only one who can cancel it ... being sent directly to his voice mail or wrong person ... so i started showing up in person and was being told Noone was available to do it until the 3rd time i went in and said im not leaving and i will make a scene ... so they got one of there salesman to cancel it ... so i then was asking the guy about my payments going back go its original quote he stated that once i cancel the payments stay the same i told him thats not what XXXX XXXX told me .... i then reached out to the general manger who tried to sell me a up grad or to return my car he also said he would redue the the paperwork go honor what XXXX had yold me but he needed to pull my credit to do XXXX question pulling my credit if its just paperwork to later find out he was trying to refinance me ... i said you pulled my credit about 10 times already my credit score has been hit enough and its not the same as before so you cant pull it ... i to the invitation to come out and look snd the upgraded car from the general manager so that i can talk with him face to face but when i got there XXXX XXXX me XXXX XXXX the general manager was busy but he would be assisting me ... he showed me the car i said no and drove off ... 3 minutes late the general manager XXXX XXXX called me and asked why didn't i take the upgraded car ... I said you guys are full of it and hung up ... i also called Nissan finance and spoke with them and they said they dont have anything to do with it its up to the dealership ...
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

We have Penny Mac as our Mortgage lender. For about a year, we were making half of the mortgage payment twice a month. Our Mortgage payment was just over {$2800.00} a month and every two weeks, we were paying half. Once the month was compleyed, our mortgae total was paid. However, Penny mac said that we were only paying half of the mortgage and the other half was going directly to principal. We talked to Penny Mac on many occasions trying to get this sorted out and for them to correct the " delinquent '' payments status. We were told this was company policy and there was nothing that can be done. After many attempts, we reached out to another creditor for assistance. While this process was going on, they informed us not to make a payment. This went on for 5 months. We contacted the credetor multiple times to see if any progress was made and we were told that the lawyers were still working on a solution. We believed that this creditor was not going to help us and canceled the service with no resolution. We worked diligently to get caught up and to ensure we were not late on another payment. For over a year now, we have not been late on the house payment. We are currently selling the current house and and looking for another. This unjustified reporting from Penny Mac is preventing us to get approved for another payment. I hope there is somthing that your company can do to either help or at least point us in the right direcrion.
Consumer complaint received 2021-08-13
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

I wired money from Marcus Goldman Sachs USA to an external Account on XX/XX/21 and The external Account never received the wire. XXXX XXXX XXXX never sent it back but I gave them the IMAD number to track it and it was never received by them. They told me to contact the FDIC cause they were worried that Goldman Sachs USA was committing fraud.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (GA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NY)

On XX/XX/XXXX  Loancare LLC XXXX was hacked by unknown authors. I was not able to make mortgage payments and they are now trying to charge late fees. My personal information was compromised, and they never sent me a letter or correspondence to inform me of the incident. Loancare LLC has been sued multiple times over their history for the same reason unable to protected consumers date.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great XXXX, XXXX, and financial hardship.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I had fallen behind on my mortgage ; before covid hit. This past year I was on a forbearance and applied for mortgage help from Mr. Cooper. They said they could not modify the mortgage because I had been previously modified. Due to covid I couldn't catch up. please help
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX Account DATE : [ ] XX/XX/XXXX Reason : [ NEED IT REMOVED ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.
Consumer complaint received 2021-08-19
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: Credit Plus Inc (NJ)

I have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-08-19
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: PENTAGON FEDERAL CREDIT UNION (MS)

Penfed Credit Union is claiming I have a balance of nearly {$8000.00} for credit cards I have never opened up with them. I do not have these credit cards and it is clearly fraud. I have reached out to them several times, including having an attorney write them and they are still trying to make me pay for it. This is not my debt.