davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to Chase numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called Chase over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking Chase to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the Chase personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MI)

To Whom It May Concern, I have an XXXX XXXX XXXX Collections on my account ; AFNI, INC. for {$180.00}. I have paid this collection and settled. This collection was a result of un-returned equipment for when I was in college. I had an out of state internship and my roommates said they would return the equipment.
They did not do this immediately and I was in another state trying to get them to return the equipment. I was notified by XXXX XXXX XXXX that it was not returned and tried working with them to explain the situation. The roommate who had the router got a job in another state than the one the XXXX XXXX XXXX  equipment originally was from. XXXX XXXX XXXX refused to take the equipment at a location in a different state than we had used the equipment in.
In the end the ex-roommate told me they returned the equipment but XXXX XXXX XXXX never gave me credit for it. This roommate could have been lying, there is no way to know. Still XXXX XXXX XXXX was not helpful in resolving the issue. Once they marked it as deogatory they never even followed up to see if the equipment was returned. The account is paid and settled for nearly 3 years. I have been a client of XXXX XXXX XXXX for over 12 years, going back to Cingular Cell Phone. There is no reason this should still be on the report.
It is negatively affecting my credit and making it more difficult to get competitive interest rates on loans or qualify for student loan consolidation. I would like this PAID collection removed and deleted. Thank you.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc. (OH)

I have been receiving repeated phone calls from the company Central Portfolio Control Inc . I received a phone XX/XX/XXXX stating that I owed a debt on a XXXX XXXX and needed to make payment or setup a payment plan right away. If I did not do so then I would be sued or my wages garnished. I however refused a payment as I am still unaware of the collection in question. I was never sent any information regarding the said debt from the original debtor or from CPC. My spouse is now receiving phone calls to his place of business with the same threat : If I do not pay the debt they will garnish my wages. Latest phone call was -XX/XX/XXXX at XXXX XXXX. I am aware that the debt in question is well out of the statue of limitations. The threats and harassing phone calls made to my spouse 's place of employment are unlawful. The threats and phone calls made to my personal cell phone number are unlawful. The CPC has not provided any hard copy proof of the said debt in collection : I have no judgement or collection on my recent credit report - printed XX/XX/XXXX : nor have I ever received any information or contact from the original debtor.
Consumer complaint received 2017-08-14
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. (NM)

XXXX XXXX XXXX, I have tried time and time again to have a " Consumer Dispute '' removed from my Experian credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the XXXX of 2009. All of my documents were sent via registered mail return receipt. The following is my current information : XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2017-08-14
Product: Payday loan, title loan, or personal loan — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NJ)

I am complaining because I have noticed a negative action on my credit report regarding a late payment to it. I called customer service, not once, not twice, not three, but FOUR times regarding it. Each time I get passed to another customer service person to start over. This is unacceptable to me.Due to this horrible customer service I have recently closed all my back accounts with Citibank, and I want to pay off my loan that I have with Citibank, so I never have to deal with them again. My loan was reported past due to the credit agencies, which is Citibanks fault because it has been automatically deducted from my bank account for the last 2 years. I never paid with check in any way and I do not even know my loan number, so the lateness is probably from one of their unqualified employees that currently work there. I have called to resolve the issue numerous of times and they have not helped me out in any way, instead they put me on hold, and pass it to another person. To resolve this issue, I would like all fees associated with the lateness reversed and I would like it removed from my credit report immediately. Once that request is completed, in full, I want to pay the loan balance off and close it out. I would also like a written statement explaining your companys position and what you will do about my complaint. Citibank is terrible, please do not use them for anything.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TransUnion to have the last payment made date looked into. It has still not been fixed. It almost seems whoever might have did it so that I would report the matter.
Consumer complaint received 2017-08-14
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. (VA)

Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC (MD)

Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX bank has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.
Consumer complaint received 2017-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (FL)

I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.
Consumer complaint received 2017-08-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. XXXX XXXX personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or XXXX informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from Bank of America ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX- Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe XXXX XXXX is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

XXXX nissan sentra nissan motor acceptance corp loan dated X/XX/2014 vin # XXXX after purchasing vehicle i had accident and when insurance needed to payoff nmac gap insurance said car was in my dads name but he never signed any paper at dealership. i signed my name never realizing it was my dads name which is different than mine. i have sent numerous requests to nissan motor acceptance corp. dealer XXXX XXXX XXXX of XXXX nj
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Based on the new requirements for Public Records I have filed disputes with Transunion, XXXX and XXXX to remove my tax lien based on it lacking a full SS # or D.O.B.
I disputed 2 times with XXXX and they just last week removed the lien.
With XXXX I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution.
With Transunion, I disputed first on line the week of XX/XX/XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XX/XX/XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XX/XX/XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XX/XX/XXXXI found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XX/XX/XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it.
I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.
Consumer complaint received 2017-08-14
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. (NC)

I have disputed information with Equifax credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries
Consumer complaint received 2023-12-30
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-12-30
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: Experian Information Solutions Inc. (IN)

i notice fradulent account and inquires on my account. these occurred recently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-30
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. (MI)

I believe that I may have been part of a breach or someone is using my information this Account from XXXX XXXX XXXX account number XXXX Date XX/XX/23 does not belong to me Ive never had any business with this company
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (PA)

I have a refund processing from XXXX as of XX/XX/XXXX, chime bank informed the refund window was from the XXXX and now they are stating its not until the XXXX of XXXX, which was when XXXX to have confirmed refund back to my original form of payment.
Consumer complaint received 2017-07-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (NJ)

Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. SLS is the debt collector for XXXX who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD on XXXX XXXX for a Home Keeper grant. While visiting my only surviving relative, SLS mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} byXX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XXXX XXXX would be a deadline date in this country, but I called SLS that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned SLS Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up on XXXX XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XXXX XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.
Consumer complaint received 2017-08-14
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: CCS Financial Services, Inc. (NY)

I have been reported by Credit Collection Services for over two years ( XX/XX/XXXX ), I sent a letter by certified mail on XX/XX/XXXX, in order to obtain information of this report as the information reported is inaccurate. I spoke with a representative over the phone, they told me they received my letter on XX/XX/XXXX, but the account was closed on XX/XX/XXXX, that was the reason they have not replied to my letter.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENCORE CAPITAL GROUP INC. (GA)

I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

From 2010 to current I have had issues with navient 3 times i needed to consolidate and told to put in forbearance until my approval came thru I have been paying close to 500 a month and I owe XXXX XXXX more then what I borrowed