davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I received a phone call from someone named XXXX on XX/XX/XXXX in the evening. He said he worked for XXXX and gave me an ID number. He then told me someone in Ohio was trying to use my account fraudulently. With my phone number, he was able to gain access the cell phone I was talking to him on and told me that he found my information necessary to stop the fraud. After we finished the call, my daughter ( she does my banking ) told me I had a significant withdrawal from one of my Chase bank accounts. 
When I logged into my account, I saw t {$490.00} had been sent to someone named XXXX XXXX! I never authorized this or any money to be sent to anyone named XXXX or XXXX! 
I filed a claim with Chases Fraud department. On XX/XX/XXXX Chase refunded me the {$490.00}. 
Today, XX/XX/XXXX, I was alarmed to find that Chase has withdrawn the money taken from me fraudulently. When I called Chase and spoke to numerous representatives until I reached a Supervisor named XXXX. He told me that this XXXX XXXX told them I willingly sent him the {$490.00} through the XXXX ap, which was a bald face lie. At that point, Chase took this scammer criminals word over mine without a shred of proof and took my money again to give to this guy, whoever he is! Now, Im out {$490.00} because Chase believe some liar over their own loyal customer! 
Im totally disappointed and distraught over this situation. Not only has my money been stolen, but my daughter thinks this guy put some kind of tracking ap on my phone against my will! Im going to have go down to the XXXX store to get it removed. Im XXXX years old and my husband is a XXXX year old Veteran with XXXX. This is a real mess we dont need to be dealing with at our age. Please help.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: SLM CORPORATION (UT)

I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$15000.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My husband passed XX/XX/XXXX from XXXX  XXXX, I notified our mortgage company of his death. I had requested a modification on the mortgage. Spoke to XXXX, Select Port Folio ext XXXX XX/XX/XXXX she stated that they were working on the modification assumption and a property foreclosure sale date should have not been set for my property. XXXX filed a dispute because of the foreclosure date of XXXX XXXX XXXX should not have been set while my modification request was in review. She then transferred me to XXXX a Manager. ext XXXX he stated they're still waiting for transactions from her SSI XXXX card that can be pulled from their website located on the back of the card. Also they received new documents today XX/XX/XXXX will review them as soon as they receive them. They have my Social Security Award letters, I'm elderly I receive my benefits on a card. I don't know any thing about computers and I don't own a computer. I'm Elderly, someone I didn't know knocked at my door asked to look at my house because it was IN foreclosure. I have not received a letter form the mortgage company or the foreclosure attorney saying my house is in foreclosure. I read there is l a hold on property foreclosures until XX/XX/XXXX because of Covid-19 Why does my have a foreclosure sale Date???????????????
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is going to be my 3rd complaint with Portfolio. They continue to state they validated this debt, state they send validation notice but can not provide me with the copy of the notice they state that was sent on XX/XX/XXXX. I find it so strange how if they are so positive that this debt is mine and they have the right to owe it why do they refuse to send me anything but a summary of their account and bills statements. 

There is nothing at all that has been provided to me that shows that they bought this debt or a written agreement with the original creditor nothing. 

Bill statements being repeatedly sent for the same dates and they refuse to provide me with a bill of sale from the original creditor with them showing they have the right to claim this debt. 

Only info provided has been as follows Date opened with them XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$1600.00} Bill statement due date XX/XX/XXXX with balance of {$2000.00} Bill statement due date XX/XX/XXXX with balance of {$2100.00} Bill statement due date XX/XX/XXXX with balance of {$2300.00} Where is he bills statements from XX/XX/XXXX - XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$3000.00} Bill statement due date XX/XX/XXXX with balance of {$3100.00} I find it very hard to believe that they can not produce the original validation notice or the bill of sale to show me they really owe this debt. 

I find it hard to believe they do not have my date of first delinquency or the bill showing the charge off. 

Portfolio has made every attempt to ignore every attempt I have made to get the information needed to determine if this is mines, if the balance is real and if they have any rights to this debt.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Creative Finance, Inc. (WI)

I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my XXXX report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is Creative Finance Inc and XXXX, XXXX and XXXX are the reporting agencies. 
CREATIVE FINANCE , INC . 
XXXX XXXX  XXXX XXXX XXXX  XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

I received a fraudulent bank cashiers check from XXXX XXXX last week totaling {$3800.00}, for the sale of my bull. I wasn't initially suspicious about it but then came the red flags. The individual sent extra {$2100.00} was for the cost of the bull and the rest was for shipping. I was advised to pay a different individual with a wire transfer which I did ( red flag # XXXX ). So I wired {$1700.00} to and individual in New Mexico ( the alleged cattle transporter ). The person who I was in contact with wanted me to take a screenshot and show proof that I sent the money which I did. ( red flag # XXXX ) Then the next day, the individual asked me if I already deposited and received the cleared funds in my bank which I told him I did. So then on Saturday ( XXXX ) this guy contacted me saying his father was mugged and beaten up and was going to XXXX  if I did not return his money to him ( red flag # XXXX ) So this guy called me this morning demanding I send him the money and that he as not a scammer and requested I send him the money to another person at a different address. So I just got off the phone with XXXX and they ultimately confirmed the check was fraudulent and they had no record of it. I am waiting right now to speak with Wells Fargo fraud department. I have spent some of the funds already. It seems to me that Wells Fargo should be held liable her before depositing the check into my checking account and verifying it with XXXX! XXXX!
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 15. U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consuming report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$100.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$800.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$2500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-26
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. (NY)

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I traveled overseas during 2019 for a period of 10 days. Upon return, XXXX/XXXX  XXXX charged my account {$360.00} for " roaming charges '' that were allegedly accrued during my trip. Knowing that there was a charge for this, my phone was on wi-fi only for the entirety of the trip. I pointed this out to the carrier and they said I must be mistaken, and that the charges are owed. Having not received service while i was overseas, i contested this with the XXXX. I also requested that they remove my credit card from auto pay as they repeatedly tried to draw the amount on a weekly basis. I eventually had to place a block on their efforts, cancel my account and switch carriers. To date they have still not acknowledged these predatory tactics nor tried to correct their erroneous charges. I have now been sent to collections for services not rendered.
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IN)

My mortgage was acquired by flagstar in XXXX of 2018! My CDC disclosure states that my payment was for taxes, principal, mortgage insurance because of the fha loan, and my home owners insurance. My payment when purchasing the house was XXXX. I had a tree limb hit my roof causing a leak, so I called my insurance company and they told me I no longer had insurance with them due to non payment. So later on I gave them another insurance policy where they defaulted due to non payment from my escrow! They charged me the money that I was paying for, but when I got my next statement it put my payment to XXXX. So I paid that for 6 months after they told me it was fixed! And it wasnt they defaulted on my payments again. So I called and got another insurance company which was all state, and gave them the policy number. 6 months later they call me and say I defaulted again. Thats 3 companys in a year and a half. My mortgage then went to XXXX! They still have not fixed it and Im going into foreclosure process!
Consumer complaint received 2021-01-11
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted TRANSUNION numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by TRANSUNION and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

TRANSUNION has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), TRANSUNION is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that TRANSUNION is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX written consent. That also includes TRANSUNION. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Solutions (MI)

On XX/XX/2021 I was checking my consumer credit file and noticed an account from ACCELERATED RECIEVABLE for the amount of {$68.00}, I never recievd proper documents from this company. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Consumer complaint received 2021-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are many mistakes appear in my report without my understanding. I have written multiple letters beginning XX/XX/2019 about these 8 items on my credit report that transunion claim to have verified all the information on my accounts but there is incorrect information throughout the accounts that transunion will not correct. I am asking that these accounts be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-07-15
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. (AZ)

I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX