davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I have not received updated payment information since my consolidation and my PSLF tracker is incorrect since XX/XX/2022. No updates have been made on my account. After a few times of reaching out to get information on when my account will be updated, they keep saying I have to wait.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to urgently dispute several unauthorized and invalid hard inquiries that have appeared on my credit report. Upon reviewing my recent credit report from your agency, I was deeply concerned to find these inquiries, none of which I have authorized or consented to :
Consumer complaint received 2023-02-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Installment is violating multiple laws and my rights as a consumer. They or reporting incorrect information to the credit bureaus the account balances across the bureaus or not matching or the same. They or constantly calling my phone and sending certified letter exposing my personal business. Creditors is calling before XXXX they or mailing stuff and one the envelope they or disclosing who they or..Accuracy of the account is not correct across the credit bureaus
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-06-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (CA)

The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I purchased my house In XX/XX/XXXX for {$72000.00} and here almost 29 years later I still owe about XXXX XXXX. I filed bankruptcy in XXXX and at that time the mortgage company informed me that my late payments would be put at the end of my mortgage. I requested to have my mortgage put on my credit report to no avail. There is absolutely no way my remaining balance should still be this high. Citigroup mortgage loan trust owns my mortgage
Consumer complaint received 2023-02-13
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. (PA)

To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through XXXX. On XX/XX/XXXX a 11:30XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, XXXX was notified and XXXX insurance sent a check to XXXX for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that XXXX put {$23000.00}. I called XXXX and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for 7-10 years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by farmers that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (LA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have tried to get a refund check back from JC Penny 's Credit Card. On XXXX Check # XXXX issued never received. Asked again on XX/XX/XXXX check # XXXX never received. Asked again today XXXX will send another check.
Consumer complaint received 2015-09-07
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Windham Professionals, Inc. (DE)

Response to your 3rd Party Collector Letter of Threat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXXDear 3rd Party Collector, As I have NO Contract with you, you have threatened me by mail and if you proceed any further I will see you in court under charges of Mail Frauds and Threats. As of today I have presented a Credit Set-off Settlement to the " XXXX '' for the full billing amount, along with an IRS XXXX in full compliance with the XXXX Laws XX/XX/XXXX. They have 3 days to comply. 
If they should decide not to settle this matter I shall see them ; not you in court. For the fore mentioned charge of Mail Frauds. 
Thank you for your timeHonorably, XXXX XXXX XXXX
Consumer complaint received 2015-04-02
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (IL)

In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
Consumer complaint received 2024-09-04
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. (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a savings account with Bank of America on XX/XX/XXXX. I placed {$390.00} in my savings account. Without my permission Bank of America reversed the entire {$390.00} to my checking, which I didn't realize until XX/XX/XXXX. I ended up spending it as I paid bills and other necessities. I contacted Bank of America due to the error in their system and they said " They are not sure why that happened, But they cant refund my money ''. I need my entire amount back or I will contact an attorney.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

XXXX has been a customer of Chase Paymentech since XX/XX/XXXX. We are a small restaurant that typically processes about $ XXXX a month in credit cards. Up until XX/XX/XXXX everything was fine. Credit Card payments were coming through on a timely basis. On XX/XX/XXXX I stopped receiving my batches. I called and was told that Chase had made a mistake and my account was on hold for seven business days until they could fix the problem. Seven days later, no deposits were coming through. I called again and they said they didnt know what the problem was but that it was on their end and it would take another seven days for the account to be reactivated. At that time {$32000.00} in deposits was missing from my account. Below are the amounts. 

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} Finally, on XX/XX/XXXX I received a {$12000.00} deposit. {$19000.00} was missing. When I called again I was told that they Chase had not taken out their fee from three months previous. To this date Chase refuses to XXXX admit wrong doing. XXXX. Give evidence that I actually owe that amount. XXXX. Refuses to workout an amicable solution. 

During this time I suffered financially. This is a small mom & pop restaurant that only keeps $ XXXX of operation capital on hand. {$32.00} XXXX dollars being withheld for Chase 's mistake caused me to get behind on rent, XXXX XXXX XXXX bills, food purveyors etc. This was unprofessional and unacceptable business practice on Chase 's part.
Consumer complaint received 2018-04-02
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: I.C. System, Inc. (FL)

On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX  and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (NJ)

Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (FL)

I have outstanding debt to AARP Chase Visa Credit Card in the amount of {$14000.00}. I am an XXXX XXXX who I recently lost my life partner of XXXX years and XXXX adult daughters. XXXX of my daughters left me to care for my XXXX granddaughter ; and the other daughter had serious health issues which resulted in financial debt, which all ultimately became my sole responsibility. Rather than allow my recently deceased daughter to live in the streets because she was destitute and out of work, I took her in and paid most of her expenses until her death on XXXX XXXX, 2015. I am willing to pay my debt ; however, I feel I am being unfairly treated by Chase and harassed by collections phone calls. I feel that Chase has discriminated against me due to my age because I am XXXX, on a fixed income, and receive public assistance. Although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Furthermore, they know I have no immediate family to help me understand my liabilities and the Chase calls have been both confusing and misleading to me. Chase has been purposely trying to get me to verbally agree to something I can not possibly fulfill for a monthly payment. I also feel that Chase has treated me unfairly because they have been harassing me with collection calls, even though I have opted out of phone calls. Because of the harassing calls from Chase, I felt pressured into finding a financial solution ; and as a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Chase that I was the victim of a credit consolidation scam by a company called net Debt. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in XXXX years but all they did was take my money and left me with nothing. All Chase has done was continue to harass me by their relentless phone calls XXXX times a day including Saturdays and Sundays, even though I opted out of phone calls. Being treated by Chase in this manner has caused me even more stress and anxiety. Additionally, XXXX is fully aware of the fact that on my current income I can barely afford to put gas in my XXXX old XXXX ( which my daughter had an accident with before she died ) There was {$11000.00} damage done to my car by another driver who chose to go through XXXX stop signs and hit her. She was driving safely and only going XXXX mph., while he chose to ignore the traffic signs and did not drive safely. I do n't have enough money to feed myself or go to the doctor for routine checkups, let alone afford to make outrageous amounts of payment to Chase as well.
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NC)

I received phone calls requesting info about my mortgage and finances from loanDepot. I didnt know then but I know now they were looking for a person like myself because Im a widow with financial struggles and I had assets in my home, I didnt have any knowledge about how to handle these things and I tried to stop the signing and I was pressured into continuing the process, I called them and told them I had decided to not go through with a loan refinance and then they started calling me back and promising me things, they said they had a loanDepot guarantee and would give me another mortgage in about a year with lower rates and without any closing cost and fees, they charged me XXXX of dollars to do the loan, and I tried to stop it and they started rushing and pressuring me to continue. Just the other week I had another one call me to get me to do it all again and thats when I got suspicious and found out about, predatory lending and asset based lending and Loan flipping and pressured and rushed into signing tactics. They have raised my monthly payment so high that I cant pay all my bills, I have to go to XXXX XXXX and apply for food stamps to get help. 
Dates during XX/XX/XXXX 2022XXXX XXXX 2022 2022
Consumer complaint received 2023-02-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XX/XX/21 I phoned Bank of America to investigate balance transfers after receiving an email from BOA that I was eligible. The representative offered to request a credit line increase. Somehow the credit line increase was morphed into an unauthorized balance transfer request that was approved by BOA and sent to a XXXX account that does not belong to me for @ {$7500.00}. BOA sent the money to XXXX account # XXXX. XXXX verified that this account does not belong to me and would have done the same if BOA contacted them. No one at any of the BOA branches or in the fraud department was willing to call XXXX. 

I reported the transaction as unauthorized and erroneous. BOA conducted some level of research but did not find their error. I requested multiple fraud investigations that did not find the error. BOA had wait times of 45 minutes or more each time I called and I had to call @ 8-15 times. Any time there needed to be a transfer I was often sent to a wrong department due to a horrendous phone system.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD.