davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and XXXX other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, Chase offered a promotion to transfer credit card points called 'Ultimate Reward ' points to a partner, XXXX XXXX XXXX and that they would add a 30 % bonus to it. These points have a cash value and are redeemable for flights ( and can be 'cashed out at XXXX cents per point ). 

I initiated the point transfer and was done on XX/XX/XXXX at XXXX PT ( you can see on the screenshots attached ). I also confirmed with the Chase agents over the phone 3 times that I did it in their promo window. The offer is also showing in the light blue box when I hit submit as well. I transferred a lot of points, but it's not enough for the flights I need so I feel like I'm getting stiffed by XXXX XXXX as I have points that I'm missing and the remainder I can't use when I did everything correct within the eligibility window. These points were worth $ XXXX on Chase and I wouldn't have transferred to VA if the promo wasn't shown as active ... and this whole experience feels very disingenuous. 

Date/Time of Incident : XX/XX/XXXX at XXXX PT Chase Points Transferred : XXXX Monetary Value of Points Transferred : {$1700.00} ( based on Chase Sapphire Reserve Cash Back ) XXXX XXXX XXXX to be received : XXXX XXXX XXXX Points actually received : XXXX Missing Points : XXXX Entities Involved : Chase Bank, XXXX XXXX, XXXX XXXX Actions Taken : 1. Reached Out to Chase Support on phone three times where they acknowledged the issue but insisted on XXXX XXXX to correct the issue. I have reached out to both parties up until XXXX XXXX XXXX. 
2. Reach out to XXXX XXXX support on phone 2-3 times ( after each Chase call ) and was told they don't have the tools and that Chase is supposed to resolve this.

3. Reached out to both on XXXX on was either ignored or told that they'll consider the feedback and that they won't escalate to Marketing or anyone to get this resolved.

4. At this point, it's been more than a year and neither the correct points nor a resolution has been received.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (MA)

I've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate.

By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.
Consumer complaint received 2023-08-22
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. (NV)

ACCOUNT CLOSED. 
XXXX XXXX XXXX / XXXX XXXX ACCOUNT STILL REPORTING AS OPEN ON EXPERIAN DESPITE PREVIOUSLY DISPUTING ONLINE. 

XXXX AND XXXX REPORTING CORRECTLY AS CLOSED FINAL STATEMENT ATTACHED
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$22000.00}.
Consumer complaint received 2023-08-22
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)

This is my NUMEROUS 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 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 2023-08-22
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. (CA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NV)

This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for 120 or more days. 
We will no longer contact you and your loan may be referred to a third-party collection agency. 
You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. 
If you've already made a payment, please ignore this message. Thanks for using Affirm! 
If you have any questions, you may call us at ( XXXX ) XXXX. 



Loan ID : XXXX If you need help, visit our Help Center. 
You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. 



I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back.
Consumer complaint received 2023-08-19
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: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact SLS a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and SLS were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. SLS account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with SLS been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that SLS are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both SLS and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and XXXX Services. We have followed all instructions, advice and XXXX to no avail. SLS are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for XXXX Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Consumer complaint received 2023-08-19
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: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact SLS a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at SLS who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and SLS were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX SLS then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. SLS account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. SLS reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with SLS been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that SLS are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both SLS and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. SLS are the Cause, XXXX is unable to ensure proper business practice of SLS, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On evening of XXXX XXXX XXXX I sent a XXXX  payment of {$350.00} to a recipient I had previously sent funds to through Chase 's XXXXXXXX option several times. Immediately after sending the funds I realized that I sent the funds to the recipient 's old bank account even though it had a XXXX  XXXX  next to the number which is why I thought it was an active account, I called Chase 25 minutes later to ask for a reversal. Chase reps advised the funds already got processed, despite the transaction still reflecting " pending '' in my account up until 24 hours later. Chase reps XXXX stated that the funding to the recipient " failed '' and funds would automatically be returned to my account within 48 business hours. That never happened. Chase reps I contacted over the last week all have a different version of status of my claim, some stating there was no " failed funding '' ever noted. I asked Chase where my money was and I was told it hit the account I sent it, however they refuse to provide that banks name ir account number or any other proof, and they are refusing to return my funds. The intended recipient claims she did not receive the funds, because it is a closed and former back account. Chase claims they can't do anything for me.
Consumer complaint received 2023-08-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/2023, i was contacted by PenFed Credit Union to begin the process for application of a cash-out refinance. It was a follow-up from previously since my hose was still being constructed. I was told i met the " seasoning '' requirements and that PenFed did these types of loans in Texas. I also explained that the home had an estimated completion date of XX/XX/2023, at which time i would take possession and begin the move-in process. I also planned to keep my existing residence and rent out the property as i have a tenent paying rent as of XX/XX/2023 on the other part of the duplex which i live in. After working through the application process, i was offered a rate of 6.5 % fixed for 30 years and locked in the rate. I mentioned i had ordered a land survey which would take some time as well as I had planned to purchase insurance as soon as i received keys from the builder. 

While applying for this loan, i also made a few applications with other lenders to get the best deal for myself, comparison shopping. 

On XX/XX/2023, I asked about using my preferred title company and provided that information. Later in the day, i was notified my application was closed out since my property did not meet their loan criteria. I was told that criteria was that i was living in the home, which PenFed was aware of prior to the application and I also was required to have a XXXX exemption on file with XXXX XXXX tax assessor office. 

I explained that the home was not complete and a homestead exemption is not a requirement in Texas. My loan officer asked for documentation on my behalf about the exemption and was not able to provide it to me from the underwriter. He even escalated to issue to the manager and the loan application was still closed out. 

I attempted to get further explanation on XX/XX/2023 and was also met with " In this case, since you still own ( and are currently living in ) another property we can not consider the subject property primary. '' and in a followup e-mail received " For clarification, it is not necessary that you have a homestead exemption but rather that the underwriters can determine conclusively that the home is a primary residence. '' I also understand when purchasing a new home, there is a statement attesting to the fact of intending on establishing the property as my primary residence. That option was not given or asked, but the information was volunteered at the begining of the process.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Our mortgage loan problem started on XX/XX/XXXX, with a CARES Act Forbearance Plan granted by our Lender, New ReZ / Shellpoint Mortgage Servicing. The Forbearance Plan dates were XX/XX/XXXX thru XX/XX/XXXX. We are both seniors with a VA mortgage and returned to work after Covid-19 was somewhat under control. On XX/XX/XXXX, we paid our Forbearance Plan Balance of {$26000.00} in full. Shellpoint received our payoff on XX/XX/XXXX. We received a letter from Shellpoint stating our account was current and regular payment would be due XX/XX/XXXX. We were not credited for the Forbearance payoff on our Tax Form # 1098. Shellpoint was often notified by email and phone that the {$26000.00} was outstanding. We applied with several other mortgage companies to refinance and found that New Rez / Shellpoint had filed a 30-day late pay payment with the credit bureau XXXX With the refinance we got in XX/XX/XXXX, the {$26000.00} was included in the payoff. The unjust amount is still paid each month,
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (GA)

I have had a Discover card for 7 years and have paid on time with auto payments the whole time, never missing a payment. Recently, I received noticed that my account had been charged off to an attorney 's office by Discover. This had taken me by surprise as I have a long history with Discover as a good and on-time payer, and I still believed auto-pay to be functioning as it had been for the past 5+ years. 

I have received XXXX communication from Discover prior to or after the account was written off. Discover refuses to address the issue of why my auto pay was turned off and why I didn't receive any notice by mail of the charge off or autopay termination. They have erroneously reported the account as delinquent and it is now negatively affecting my credit score. 

I am able to settle my account and would like to return to the way things were before the lack of Discovers communication. I can take action on my end but I would like to see Discover take accountability for the poor communication, reinstate my card, and remove the error in credit reporting. If this can be done, I can provide positive feedback on this case or cancel this complaint continuing my former good relationship with Discover.