davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WV)

My problems with XXXX started in XXXX when my recert was due for my repayment plan. My payments prior to XXXX were affordable, then I get a letter saying that my payments have been changed to {$190.00} a month. I called and told XXXX that my husband and I have way to much bills and I cant make that payment. They stated I should apply for a forbarence on my pond. A guy on the phone helped me fill out the application and then told me to reapply for a different repayment plan.. so I did. My account was placed on hold and I received several letters about me being approved for forbarence until XX/XX/XXXX. I received a bill in XXXX for $ 5000+ due on my payment date. I called XXXX  immediately and asked what was going on. I was told that this was built up interests from being on forbarence and not making any payments. I was then told it would be added onto my loans soon as my new plan was approved. I was also told that I missed my {$5.00} payment that I never got a bill for for my new application/forbarence. I check my account on XX/XX/XXXX because I received a letter stating that my new balance of {$200.00} is due on XX/XX/XXXX. I paid this amount on XX/XX/XXXX. I checked again at the end of the month to see if my payment was applied and my account said I had {$200.00} due again. I didnt have the money to pay, but I did and it left me with less than {$50.00} in my bank account. I called XXXX immediately and asked what was going on. I was told that I did not request for the {$5000.00} to be capitalized on my loans. I told the man on the phone that this was the first time I heard XXXX  say anything about me having to request it to be capitalized. He told me that once I am approved for this capitalization, then I need to call back and request that the two {$210.00} payments I made in the month of XXXX to count toward my loans and my PSLF. I receivived a text message today from XXXX stating that I missed my payment date on XX/XX/XXXX ( even though the bill stated I owed XXXX and I paid it twice ). I am so tired of XXXX  finding ways to get more money out of me especially when I told them that our debt to income ratio is on the bad side. They really XXXX with my account and my financial life. 

I would like to attach all the letters I received from XXXX  but there are so many!
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 for the second time I sent a certified mail and requested that any address that didn't reflect my current residence on my credit report be removed. This certified mail was sent to XXXX and Experian with a notarized letter. They since then responded with those adresses still showing. ultimately I just want those addresses off.
Consumer complaint received 2018-12-10
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: EQUIFAX, INC. (FL)

In the past months I see my credit report from Equifax have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX all those accounts are fraudulents please tell Equifax to XXXX  those accounts and I right now thank you so much XXXX bless you
Consumer complaint received 2018-12-10
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: EQUIFAX, INC. (GA)

Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX  XXXX  ( ORIGINAL CREDITOR ( XXXX XXXX XXXX )  , XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX )
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital Bank has reported me on 2 closed accounts opened 8 years ago that do NOT belong to me ; I would have been XXXX years old when these accounts were opened. The closed accounts have negatively impacted my credit score and my ability to maintain a good credit score. I have repeatedly called Capital one to remove my name and information from these closed accounts but my attempts failed. I ask that Capital one remove my association with these cards immediately. The accounts are closed accounts on my credit report, please have them REMOVE from my credit report as they do NOT belong to me and opened by someone else when I was XXXX years old.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX I went to ATM inside Branch on XXXX XXXX and tried to withdraw {$60.00}. The ATM took my {$60.00} and gave me a recipe and said call XXXX. Lol.. And withdrawal the money out my account. Then I file a dispute and was given a credit and later it was reverse. I still have this recipe.
Consumer complaint received 2018-12-10
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: EQUIFAX, INC. (PA)

In the month ofXX/XX/2018I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2018-12-10
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. (FL)

To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & Equifax XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

Hello!, I have been charged by merchant XXXX on my Citi card on XX/XX/XXXX. I didn't authorize those charges. When I came to know about the charges, I called XXXX and asked them to reverse the charges. They didn't do it and said these sales are final. Then I contacted Citi in XX/XX/XXXX of this year for these charges. After a few days, They closed the case. I have contacted them several times and every time I call Citi I talk to them for a couple of hours and they tell me that they will call me back or transfer me to the irrelevant department. Sometimes they hang up the phone. Like they did today. The charges were for {$200.00} and that is XXXX times, that makes it {$400.00}. It is extremely difficult after XXXX months to get my money back.

I need your help in sorting this matter urgently.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have disputed several items on my credit report as inaccurate and requested verifiable proof via mail and online with Experian. The results have always come back " verified as accurate '' and/or " updated '' with no proof or an original signed contract with my signature. I have also requested their method of verification and received no response. In reviewing my credit report I also noticed that the " date of status '' had not been updated as the items were " verified '' which leads me to believe that a proper and reasonable investigation never took place. My dispute dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested deletion of the following accounts, however, the items still remain : XXXX XXXX/XXXX  - status updated last on XX/XX/XXXX XXXX XXXX - status updated last on XX/XX/XXXX XXXX  XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 accounts ) - status last updated on XX/XX/XXXX XXXX XXXX XXXX XXXX  - status last update on XX/XX/XXXX XXXX  XXXX - status last updated on XX/XX/XXXX XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  XXXX XXXX - status last update on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  - status updated last on XX/XX/XXXX XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX and doesn't show that account was disputed XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 ) - status last updated on XX/XX/XXXX
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

KOHLSXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

Re : Complaint # XXXX - Reason given that Complaint XXXX was closed by CFPB due to prior or similar complaints filed. This result is inaccurate. Ive never filed a complaint with CFPB or CHASE BANK. Clarification and or action needed.
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MI)

My mortgage company issued 2 checks to my insurance company in XX/XX/XXXX. They were sent to me and I was advised not to cash them. My agent contacted the mortgage Co and was told they stopped payment on both. In XX/XX/XXXXI rcvd an escrow notice of shortage {$5500.00}. I contacted the mortgage Co and they brought up the two checks. Neither were cashed so why am I responsible? FF to XX/XX/XXXX. Another check was issued and I was advised to cash it and send it back to the mortgage Co. I was also told upon receipt my mortgage would adjust back to my mortgage payment. I mailed the escrow check refund and my current mortgage payment {$1200.00} ( {$1300.00} ). Now I am fighting with them because the escrow payment did not reset my payment and they have been holding my {$1300.00} in suspense. They also charged me a {$60.00} late fee. They have refused to adjust. They have refused to apply the {$1300.00}. I would not have sent in the refund check! I would have kept it and applied the difference monthly to make up for the payments all year. I call once a week and get a different explanation each time. Escrow Payment wasnt enough ( both checks were stop pay ). Mortgage payment not new amount ( shouldnt have gone up ) I was told the insurance co raised annual amount ( my agent disputes that ). I need a very clear letter with the CORRECT amount listed. Why there is a shortage. Why my escrow payment was not applied to adjust my mortgage and late fees and credit bureau negativity removed. My agent and I followed the instructions yet nothing has been fixed in my favor.
Consumer complaint received 2018-12-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have been emailing them for months about my mortgage payments and even in the process of that withdrawn money from my 401k plan with penalties to get the money. Finally on Tuesday, XX/XX/XXXX Pennymac sends me the amount for reinstatement of my mortgage. Which had two amounts one if I paid by Monday, XX/XX/XXXX and another if I paid by Wednesday, XX/XX/XXXX. Which also stated that amount would be good for two weeks. However when I called them they said that the two weeks didn't apply because on Monday, XX/XX/XXXX was a foreclosure hearing and sale. After fighting with them by phone I figured my best bet is email so I would have documentation of everything. They postponed the hearing and sale they claimed for two weeks but have not sent any legal documents to confirm that. 
I continued to push for a dollar amount to bring my mortgage back up to date and after being told that it would take 7 days they sent that to me on Wednesday, XX/XX/XXXX. As I was checking on the fastest way to send the amount {$10000.00} to them I discovered that my bank XXXX sent them the payment. 
Now Pennymac claims that they do not have a record of the payment and I had to send them proof of the transaction which I have done three times. They still have not confirmed and posted the payment nor have they sent anything about a hearing tomorrow. My wife and I are taking time off from work to go to the courthouse in the morning with my proof again. 

I have researched online and there are several complaints about Pennymac pulling the same thing and much more. Pennymac needs to be stopped playing these games and unethical business practices. So helping me can be helping a lot of other homeowners who are doing the right thing or like with us correcting what happened to have a chance. 

Thank you XXXX XXXX
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (MA)

I stopped receiving notifications regarding the amount owed by company. Debt was transferred to another creditor. Over the past several months, payments were sent but no acknowledgment was submitted. Please assist in resolving. Thanks. 
PS Money Orders were sent XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 are from XXXX XXXX XXXX and the last is from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have received and email from XXXX onXX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT.

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc. (AL)

This debit collector is in violation of Hipaa Act of 1996, by sharing detail information of a medical procedure. Facing fines up to a {$1000.00}, payable to me. Even possible jail time. I contacted them for the last time XX/XX/2018. I asked them to remove and they refused. I have forwarded all necessary documention to support this claim.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

My rental company ( XXXX XXXX ) is saying that I paid rent late on XX/XX/XXXX. I was moving out that month and had a prorated amount of {$530.00} due in XXXX. On XX/XX/XXXX, the day rent was due, I went online to the portal and paid. I found a couple days later that I had a demand for rent letter on my door and a late fee for {$120.00}. 

I contacted the property on Saturday and talked to an employee named XXXX. I told him that I had indeed paid my rent on time, as you can see every other payment was on time, but that the portal must have been down/broken. He did acknowledge that the portal had been down that day and said that other residents had called in about that problem as well. He said I did not have to pay the late fee and to reach out to the property manager as well I then followed up with XXXX XXXX, who was the Assistant property manager at the time, and she confirmed that I did pay on time and the notice was just in case I didn't move on our agreed date, XX/XX/XXXX. 

I should not have a Late fee for XX/XX/XXXX rent. I did pay my rent on XX/XX/XXXX, and the property acknowledged the fault had been on their end and that I would not owe any additional money.