davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
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. (LA)

SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.
Consumer complaint received 2024-08-27
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-08-18
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. (LA)

SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (AZ)

My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XXXX. XXXX is pulling over that short sale is now late in XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a paym
ent as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pur
pose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this inform ation was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It wa
s never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

Ca n't include exact dates from years ago, however the collection company known as IQ Data had  constantly called me between the hours of XXXX and XXXX for 3 weeks straight back around late XXXX, early XXXX. They had never sent an original letter/notice of collections. When asked to submit said letter as well as further proof that the debt was mine, they stated that they could not until the debt had been paid. When asked if they could provide proof that the debt is mine, they stated they could not until the debt was paid. When told that they are to no longer contact me if they could not prove that the debt was mine, they threatened to have me arrested for not paying. They constantly were rude over the phone, and used profanities. When I moved into my new apartment, they contacted my landlord asking for my information. My landlord disclosed the fact that I 'm in XXXX XXXX XXXX due to the fact that I 'm on XXXX but no other info was given. IQ data then attempted to contact me by phone further demanding that I contact my local social security office and have the SSA send documents to IQ data to allow them to collect from my benefits. I once again asked them to provide written proof in the mail that showed the debt was mine, they once again became rude with me, cursing at me, and hung up. Recently I recieved a few more calls from IQ data through the use of blocked numbers around XXXX in the morning. They also sent letters in the mail to my mother demanding she have me contact them and that if she does not, then she will inherit the debt. I am assuming this is due to the fact that the statute of limitations is nearing.
Consumer complaint received 2024-08-09
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. (FL)

This is my first endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-15
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. (LA)

Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX My electrician deposited my personal check ( # XXXX ) amount of {$4000.00}. The check had a stop payment on it as requested by me as we choose to do the wire transfer instead. The money was taken out from my bank account ( XXXX XXXX XXXX XXXX ). There was a problem with the stop payment. I requested XXXX and they acted immediately to stop the payment. Wells fargo, the beneficiary 's bank reversed the transaction and my electrician ( the beneficiary ) never received the money via this personal check ( # XXXX ). I called XXXX and they said since the transaction went through successfully, so there is nothing they can do to revert. The temporarily gave me provisional credit but reverted back the credit on XXXX. So, in nutshell {$4000.00} was effectively deducted from my account. XXXX My electrician confirmed he never received money from me for that check. I went to my electrician 's office and we called Wells Fargo together and Wells Fargo customer service rep confirmed not giving the money to my electrician. As per Wells Fargo, the money was reversed and it never reached my electrician 's account. Now - Both these banks ( XXXX and Wells Fargo ) do  n't want to help me. My electrician never received the money in his Wells Fargo 's account but the money was taken out from my XXXX account. So both me and my electrician do n't have the money with us. The money just somehow disappeared. I am requesting Wells Fargo to trace the check for me and help me nail down where the money. Thanks
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-07-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I wish to amend my former complaint XXXX. <P/>Part of that complaint was as follows : I was dual-tracked by Bank of America. I received an approved modification package effective XX/XX/XXXXXXXX... But they still foreclosed on my home effective XX/XX/XXXXXXXX... To this day Bank of America is still listed as the owner according to my local tax collector. <P/>Bank of America responded to my chain of title problem with this : " Regarding Bank of America 's name being listed as the owner of the property, my research shows no changes have been made to the recording of the Deed of Trust since its original recording date of XX/XX/XXXX. If you wish to pursue this matter further, we will need you to provide more specific factual detail in support of your claim and I will investigate the matter. '' And I rebutted thusly : I explained exactly what I consider to be the issue and what the solution should look like- if you search my address in the XXXX County tax collector 's site, you see that the [ BoA ] is still listed as the owner of my home. I did not make that change- what made that change is that the company foreclosed and recorded the new certificate of title on XX/XX/XXXX. Then when they rescinded the sale they did not record a new certificate of title. So even if I am legitimately vested on title, I might as well not be if there is no recorded document to that effect. I could n't apply for my XX/XX/XXXXhomestead as a result. I should not have to investigate, execute, or pay for that work- the company should do it. <P/>I 'm amending my complaint because after seeking mortgage assistance again from BoA in XXXX, I have been approved for a short sale ; however, the following communication ( also attached ) came in to my realtor through XXXX on XX/XX/XXXX : " Good Afternoon, I received the Appraisal and it had Bank of America as the owner. I have verified that the property title is showing this also. I need the Title corrected to show XXXX XXXX XXXX as the owner to move forward. I am not sure how long this will take. Thank you, XXXX XXXX XXXX '' So, after everything, I was correct, and BoA bumped me off title when they foreclosed in XXXX.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ).
No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.
Consumer complaint received 2017-07-07
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. (CA)

XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX  and Equifax and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX XXXX XXXX.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY LEG WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-18
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 requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ). No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC (PA)

Repeated telephone harassment of me, my XXXX adult children and ex-husband over an old credit card debt that expired under Maryland 's 3-year statute of limitations well over five years ago. Falsely claimed there is a court suit pending against me and that more legal action is pending, also false. Have asked them to cease and desist this harassment to no avail.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Hello, I have previously submitted a complaint towards Navient and how they made me pay interest while I was in school. When I submitted this complaint, Navient responded stating I stopped being a XXXX XXXX student and that is why I had to begin paying interest while I was still in school. I did not have a full time job during this period of time, so I was constantly stressing trying to figure out why and how I could pay for my loans while I was still in school. Naveint sent me this response to my complaint. " Your Subsidized Direct Loan was disbursed on XX/XX/XXXX. For subsidized Direct Loans disbursed between XX/XX/XXXX and XX/XX/XXXX, you are responsible for the interest that accrues during the six-month Grace Period. Your loans are entitled to one uninterrupted six-month Grace Period. You Grace period began when you withdrew from school on XX/XX/XXXX and ended on XX/XX/XXXX. Then your loans entered repayment. You did not return to school at least half time until XX/XX/XXXX, at which time, your loans were placed into an In-School Deferment. '' I was in fact a XXXX XXXX student from XX/XX/XXXX-XX/XX/XXXX. I never once deferred enrollment. The fact that they did n't even call to confirm if I deferred from school or not is appalling to me and extremely irresponsible on their part. To assume I stopped going to school, and to begin harassing my parents to get me to pay the loans is unfathomable to me. They kept calling and calling and saying that I would have bad credit if I did not begin paying. Not once did they mention in the calls that I had to pay interest because I " was n't in school ''. I have proof of my full time registration at XXXX. I want this issue to be addressed accordingly.