davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

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 Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (IL)

I reviewed my credit report and I noticed that there was several collections on my credit profile in regards to medical bills. The company that was reporting in Merchants Credit Guide Co. therefore I called and asked if they could send me something and verify what services was i being billed for, and also if they could verify if they are in fact the collection agency assigned on Behalf of XXXX hospital never got verification I got a copy of a itemized statement. So i filed a dispute with the credit bueras and all of them stated that the charges were valid.I then contacted the hospital today and spoke with the billing department and for one Merchants Credit Guide is not a hired collection agency this is supposed to be collecting on their behalf. They informed me that XXXX is their collection agency and their ph # is XXXX also the amount that the billing dept stated that i owe was not the amount that this fraud agency was reporting and in fact the rep stated that I there was a oversight and that my secondary insurance was not billed therefore I own {$0.00}. The billing rep stated that she would send my out a statement of current charges and she stated that she would have to go back in a rebill my secondary insurance, however I told her to send me what they say I owe as of now. So i can have proof that this Merchants Credit Guide sent my a invoice that is not the correct amount, in addition to them not even being the collection company that is collecting on behalf of the Hospital. Please help me get these frauds off my credit report. The credit Bueras are not of any help and i have sent over countless dispute letters only for them to verify debt from a collection company that is not authorized to collect a debt in the first place
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (AR)

I faxed mortgage modification request and financials to XXXX XXXX   XX/XX/2018. 
I've had a change in my financial circumstances I need assistance with bringing my mortgage current. A follow up call was made to Selene XX/XX/2018 inquiring if they received modification documents and financials and if there any other documents needed at this time. I was informed by XXXX Selene modification dept. the documents were received, the property foreclosure sale wouldn't be put on hold even though they had all required documents in their possession and the file is being processed.Selene has been uncooperative and hard to work with. I feel they are discriminating against me and trying to let my home foreclose. I don't want to lose my home.I received a property foreclosure letter from the Attorney XXXX and XXXX dated XX/XX/2018 with a property sale date of XX/XX/2018. I researched the Tennessee statue in regards to property foreclosure sales and Tennessee Code Annotated states the homeowner is to be given 30 day notice prior to the foreclosure. I did not receive the 30 day notice as required by Tennessee Law. Please, Please, Assist me
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 consumer 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 furnish 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 2024-11-08
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (GA)

Last year I filed for enforcement of XXXX XXXX XXXX ( over XXXX ) which was never paid. In XXXX, the first and subsequent payments are put on a XXXX prepaid debit card. Since receiving the first payment in XX/XX/XXXX, I noticed missing funds as if theyd never been deposited onto the card or only partial payments. XXXX claims thats exactly what they received and nothing is amiss. Just youll have to work that out with XXXX XXXX we just get what we get. That was in XX/XX/XXXX and I have confirmed the amounts with XXXX XXXX XXXXt several times over past few months. 

Below are dates and amounts in dispute : Edited to add there are a few more but I keep running out of time to write while I am working through the statements from both parties. 

Payment dates/amounts from XXXX XXXX : XX/XX/XXXX payment of {$320.00} XX/XX/XXXX payment of {$340.00} The above two payments are missing altogether. 

XX/XX/XXXX payment missing {$130.00} I am paid $ XXXX. The last payment of the month is typically over {$320.00} and XXXX shows last payment of the month as {$83.00} EVERY MONTH. So not only are the kids not getting the $ XXXX or the extra catch up funds, its always {$83.00}. Weve never even seen that number from XXXX XXXX
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (GA)

First .... I couldn't go past the last section without stating a reason but my reason wasn't included in the list. Thus my explanation. I realize I have a debt with XXXXXXXX XXXX. I realize that debt has been sold to or is being administered by JH Portfolio Debt Equities , LLC. 
I've called XXXXXXXX XXXX to see who it is that I PAY to settle this collection account and they refer me to JH Portfolio Debt Equities. 

My complaint is with JH Portfolio Debt Equities. I've called the number provided on a letter from them in response to my request to pay the debt several times. I get NO return phone calls. I don't want to enter their XXXX program where you buy certain items from XXXX and other businesses and a percentage of your expenditures are applied to your debt, I want to pay off my debt. I've called on XX/XX/2018 at XXXX EST where I was machine directed to leave a voice message. I did so, stating that I wanted to pay off my debt directly. No return phone call. I called back on XX/XX/2018 at XXXX EST left the same message and to date, with the writing of this complaint, haven't heard from the company. 

I then went to the website on XX/XX/2018 and filled out their web contact form. below is a series of e-mail responses between myself and an XXXX where I have again asked how do I pay off the debt and still haven't been given an answer. 

1. XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me, clientservices Good Morning, Please give our office a call between XXXX - XXXX CST Monday - Friday at XXXX to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

2. XXXX XXXX XX/XX/2018, XXXX XXXX I've called several times and was only able to leave messages, and no one has returned my calls 3. XXXX XXXX XX/XX/2018, XXXX XXXX Please provide a telephone number for us to reach you at to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

4. XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX 5. to XXXX With all the back and forth, why can't you just supply a link where I can pay. I received a phone call ( I am an hour ahead of you ) at just the moment when I was indisposed and they left a call back number to the same number where I've left 3 messages already. This is really simple.

I want to pay you ... I need a link online whereby I can pay, or an address whereby I can mail and get a receipt .... why can't you just supply me with the needed link to pay?!?!?!

After the last email, I've heard nothing, no return phone call, no link to pay, no mechanism to pay and so this debt still lingers when I've done all I can to pay. The JH Portfolio company says they don't accept payments, so I've been hesitant to mail a money order to their address in XXXX, MO. How best should I proceed in my attempts to pay XXXX?
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CO)

XX/XX/2018- I purchase office equipment in the amount of {$1700.00} with my XXXX store card. Items on this order were returned by to XXXX on XX/XX/2018 credit for {$580.00} given on XX/XX/2018. Final part of order was returned around XX/XX/2018. XXXX issued a credit on XX/XX/2018 for the total amount of purchase {$1700.00}. I have reached out to company on XX/XX/2018, XX/XX/2018 and XX/XX/2018. and certify letter on XX/XX/2018. The company is stating the company I purchased from has not issued a credit. I have provided syncbank the issue of the credit card. 1 proof of return 2. proof of credit from XXXX and proof of credit for merchant
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

Consumer justice : XXXX XXXX and Case Bank On XX/XX/18 I flew XXXX XXXX to XXXX AZ to visit my Uncle who was battling XXXX. At the airport I was approached by a representative of XXXX XXXX and Case bank - promised me XXXX points if I signed up for and was approved for their XXXX XXXX Visa card. Planning for the future when I would need to return, I agreed and signed up. I was approved - then they said " oh you don't get the points now, you have to spend {$2000.00} in the next 90 days to get the points ''. So I did that. In less than 60 days even I have spent more than {$2000.00} on their card ( for qualified purchases even ). As of XX/XX/2018 I have spent {$2000.00} Now they say " oh no you can't have the bonus NOW. You have to wait till the end of the billing cycle - which is XX/XX/XXXX. And even then it could take 6-8 weeks for the points to transfer.

My Uncle passed XX/XX/18 - the memorial will be XX/XX/18 I only signed up for the card so I could go back for the funeral. 
I talked for 6 hours to Chase ( Customer service Reps : XXXX and XXXX and Supervisors XXXX, XXXX and XXXX ) and XXXX XXXX ( CSR XXXX ). And while they assure me they are sorry for my loss - they will not honor the original agreement. They promised me XXXX travel points as a bonus for signing up. I did my part. They won't find or even look for another way to accomplish the same goal. 
All I have gotten are excuses and policy quotes. 

The will not accept responsibility for their representative and honor our agreement ( XXXX point for singing up and getting approved ) - even though I went beyond and met their " Extra '' requirement of spending.

I even found another version of the same program with lower conditions ( XXXX instead of XXXX reward points for spending {$1000.00} vs $ XXXX ). I did that within the first billing cycle. So they could just change me to the lower program and I would have met all the requirements and they could get me to XXXX. 

There is no help from either company. I can not afford {$700.00} in plane fare. 
The initial promise from the man who signed my up constitutes fraud - Why can people not just own up to their responsibility and do what they say? I don't care I just want to go to my Uncles funeral. 

Can you do anything to help get me to XXXX? The funeral is XX/XX/XXXX. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TN)

While reviewing my credit report I see a total of five trade lines from Navient ; three of which are reporting correctly as no missed payments and two of which are reporting incorrectly as having 2 missed payments in XXXX and XX/XX/XXXX. I take issue with these accounts showing missed payments for the following reasons : 1.  Because as the attached documents show I didn't graduate from XXXX XXXXXXXX XXXX until XX/XX/XXXX. There is a 6 month grace period from the time of graduation until loan payments begin due. That means loan payments would not have become due until XX/XX/XXXX. I had already requested and been approved for forbearance on XX/XX/XXXX ( attached ) 2. How is it possible that I could be late on two of five loans having the same forbearance/deferment period?

3. How is it possible for the two late payments ( XXXX & XX/XX/XXXX ) to show as 90-119 / 120-149 days late when the payment status for the previous month ( XX/XX/XXXX ) shows as on time? 

4. I sent an email ( attached ) along with same information I'm attaching to this compliant to Navient 's Customer Advocate center regarding this issue asking for my credit report be corrected and almost instantly received a canned response saying the information was reported accurately. How is this possible based on the points listed above?

I demand that Navient correct my credit report to show zero missed payments or delete the incorrect trade line entirely.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.
Consumer complaint received 2018-09-14
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: CORELOGIC INC (TX)

XXXX XXXX XXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My credit report and score have a major impact on my financial opportunities. Toyota Financial services reported inaccurate information to credit bureaus multiple times. TFS investigated the issues and agreed to fix the inaccurate reporting. However no compensation was issued.
Consumer complaint received 2024-10-09
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. (MA)

I have repeatedly address and disputed accounts that have failed to validate their claim of debt, or refuse to follow federal and Massachusetts collection laws, which result in continued violations. The reporting company is reporting on disputed accounts that I have recently disputed, and consistently give false claim of response that they investigated the claim, when they did not. The company has continuously violated the The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, and in doing so are subject to fines and damages payable to me of {$1000.00} for every instance that they have not provided an accurate and 100 % correct reporting of my trade lines, or credit reporting that has no legal right to be on my personal credit report
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AL)

I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (AL)

I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (LA)

Exeter Finance is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of Exeter Finance.