davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I took out a private student loan in XX/XX/XXXX with a company called XXXX XXXX XXXX, which I paid back in full by XX/XX/XXXX. For whatever reason the company incorrectly reported my XX/XX/XXXX payment as being late to all three credit bureaus. I disputed the late payment to the company as well as XXXX, TransUnion and XXXX. The company never sent me any kind of paperwork validating the accuracy of the debt. However, both XXXX  and XXXX  immediately removed the inaccurate information from my report. TransUnion somehow " verified '' the information as accurate and there have been multiple disputes since and it always comes back as verified. I have asked TransUnion for the documentation they obtained in their investigation in accordance with FCRA 609, but all they provide me with the word " verified ''. I believe TransUnion has violated my rights as a true investigation would have proved that this information was inaccurate.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Chase has reported that I over extended my credit limit, Chase added a late payment and interest charge which was not suppose to be added to my account which over extended my account. Chase has since removed the associated fees due to me being in enrolled in the payment assistance program due to COVID-19. I was told by the representative that I was enrolled and Chase reviewed the phone conversation and seen there was an error. Since then I have been contacting Chase to remove the error regarding me over extending my credit limit and this effected my credit in a negative way and was denied credit based as a result.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Jefferson Title Corporation (LA)

Tips for Getting Started consumers financial protection from fraudulently illegal Hearing of Default on mortgage, Jefferson Parish Sheriffs mortgage and conveyance office notice mailed by XXXX XXXX XXXX causing National FBI game Forced by Jefferson Parish constable,  Jefferson Parish Sheriff XXXX XXXX, and XXXX XXXX spends fair housing funds on 30,000 plastic cups, 23,000 pens, and 19,600 keychainsIllegally and fraudulently do to ADA by 2nd parish Jefferson state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and XXXX out of out of house On XX/XX/XXXX bybJefferson Parish Sheriff 's Office and Jefferson Parish Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to  illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , Jefferson Parish Clerk of Court and juvenile intake Center, Jefferson Parish Family court and Jefferson Parish Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm Annual Scores, scholarships, XXXX XXXX XXXX XXXX final notification providers management services XXXX XXXX ADA XXXX XXXX team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( XXXX ) ( XXXX ) ( XXXX ) and the XXXX XXXX capital of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX XXXX moved to safe storage unit # XXXX due to homelessness
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit
Consumer complaint received 2022-09-20
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Its said that I owe XXXX dollars but thats impossible because on the dates thats its said which is in XXXX and XXXX I was in XXXX which is a state XXXX in Texas so how is it possth at I got in debt when Im in  XXXX dont make sense to me I did not give no one permission to do anything under my name so please help me with this problem
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Avadyne Health Holdings, Inc (NC)

Upon reviewing my XXXX, XXXX  and XXXX  credit reports, I noticed a debt which has not been validated, reporting by a collection agency I am not familiar with. After further review and upon visiting the NC Department of Insurance website I realized not only is this not a company I'm familiar with, but they are illegally reporting me to the credit bureaus because they are not licensed to collect in the state of North Carolina.
Consumer complaint received 2020-11-12
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. (MN)

The following credit card account listed on my Equifax, XXXX  and XXXX XXXX credit report is lost/stolen : XXXX  XXXX XXXX Visa : XXXX.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I deploy and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
Consumer complaint received 2018-12-07
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: LEXISNEXIS (FL)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX  from XXXX XXXX  and I believe I have been compromised.
Consumer complaint received 2020-11-24
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: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX, 2020 I ordered merchandise online from XXXX XXXX {$71.00}, which Barclays charged to my Credit Card on XXXX XXXX, 2020. 

XXXX claimed that it was delivered to me twice ( I do not know why one order will be delivered two times ) : 1. XXXX XXXX, 2020 - at XXXX XXXX  - XXXX claimed also that I receipt of the order, which was IMPOSSIBLE because I was on training at the Census Bureau, which is more than 10 miles from my apartment. 

2. XXXX XXXX, 2020 - The Delivery Man of XXXX admitted that he was not able to access ( enter ) the apartment building. Which is true because all people without key to the building must dial the number of the Tenant and in return the Tenant must pressed a certain number to open the gate of the building. 

So the Delivery Man was not able to enter the building for the second time. 

THERE WAS NO DELIVERY OF THE ORDER, FIRST OR SECOND, JUST ATTEMPTS, STILL BARCLAYS BELIEVED THERE WAS AND DOES NOT WANT CREDIT MY ACCOUNT FOR {$71.00}.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

We have been the victims of fraudulent transactions on our Chase account with an individual gaining access to our account and making transactions via XXXX. In spite of providing documentation of attempts to gain access, a police report, and even a recorded call with a Chase representative while someone was actively trying to gain access to our account we have been debited the money from our account and Chase has denied the claim. Please help us. We continue to be told we cant speak to the person making the decision and continue to get the run around. No one is in our corner and we have been loyal Chase customers for XXXX decades.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (MD)

XX/XX/2020 I have not received bank card when I called ( 3 hours wait on hold ) to inquire about card they charged me for a card i did not receive. I asked to have another card be issued and paid for express ship overnight I was charged XXXX plus XXXX for replacement card The card was to arrive overnight. It was not received I called again 2.5 hours wait on hold and was told the card was shipped XXXX but they could not provide a tracking number. Four days later I received a card by XXXX  When I tried to activate the card ( 3 hours on hold ) I was told the card had been deactivated and would have to request yet another card I have been without my money and have no funds or anyway of getting access to my money I have read that this has happened to hundreds of others They need to be sanctioned for holding peoples money not sending bank cards and charging for express delivery
Consumer complaint received 2018-12-09
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: CORELOGIC INC (NC)

I have initiated three investigations into a dispute that I have with CoreLogic Credco regarding inaccurate information on my credit report with this company. The investigation results were completed : XX/XX/2018, XX/XX/2018 and XX/XX/2018. The person who has several mortgages, property transactions, addresses, property sales and loans listed on my record lives in XXXX Colorado and has a different middle name than mine. I have submitted evidence of my identity and have never lived in Colorado nor even visited the state. I also have never obtained a mortgage. Each investigation verifies that these mortgages are mine plus the addresses. I am seeking help in solving this matter. Thank you.
Consumer complaint received 2018-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

TransUnion is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.
Consumer complaint received 2018-12-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage with Mr. Cooper, acct. # XXXX. I had auto payments set up through XXXX XXXX for $ XXXX/mo. I received a statement last month showing that I was short {$240.00} with no explanation and my {$3500.00} was unapplied. I called a few days ago to inquire why the monthly payment was increased and was told that the loan had just adjusted to 5.25 %. I had never received notice of the increase and the person I talked to said it was sent to an address I had not used for 4 years although I have been getting monthly statements to my current address for almost a year. She emailed the rate/payment change notice and I have paid the new payment for XXXX as well as the XXXX shortfall. I found out during a loan application that Mr. Cooper had already reported a delinquency to the credit bureaus several weeks ago which caused me to get turned down by a lender who had approved a loan 1 % lower prior to this report and I wound up having to go with another lender at a higher rate. 
My complaint is that I had no knowledge of the rate increase since notice was mailed only to an old address ( presumably returned to the sender ). I did not receive any notification by phone or mail but instead reported to the credit bureau which has cost me about {$7000.00} a year on the new loan. 
Thanks.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

The attached confirmation of payment of XXXX made on XX/XX/XXXX further validates that the XX/XX/XXXX and XX/XX/XXXX entry of 90 days late reported to all credit bureaus is invalid and I am requesting immediate removal.
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC (GA)

I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were  placed by a debt collection company, XXXX XXXX XXXX. After numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because XXXX XXXX XXXX didn't care enough about this tiny debt to respond in a timely and conscientious manner.
Consumer complaint received 2022-07-20
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. (IL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX  Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979
Consumer complaint received 2020-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

To whom it may concern : Thank you for taking the time to look over my complaint concerning Navient. For years I have been a prisoner to Navient. When I decided to take out a private student loan with Navient ( formally Sallie Mae XXXX, I intended to make enough money to repay my loan. Unfortunately, I was not able to pay due to my low income. I asked for forbearance and a deferment with Navient. Yes, I received both, but I was still not able to pay. Years later, I applied to a program from Navient called Rate Reduction Program with Extended Repayment. I thought the program would suit my needs due to my low pay. Unbeknownst to me, the payments go up every six months. For last six years, I've been making on-time payments because I was able to be in a position where I was making a little more money than before. I was still struggling a little bit because I also have a hefty federal student loan to pay for and other bills. Now, my payments with Navient are {$480.00} and will go up again in XX/XX/2021. I do not have a problem paying the bill, but I do have a problem with the payment going up every six months. I can NOT afford the payment going up because I have other bills to pay. What I am enduring is an unfair situation for me. I tried to get my loan refinanced with Navient ; the application I applied to was denied. I tried talking to a manager, but I will get the same story : " the payment can not be lowered ''. One day, I was disrespected by a representative stating : I should've thought about paying loans before I started school. Navient is practicing unfair treatment concerning their consumers. Every-time, I try to take a step forward, Navient is holding me back. I feel like Navient does not care about their customers and what they go through in life. I would love to have my bill lowered and at a fixed rate ( not ) variable. If someone can please help me with this situation, I would greatly appreciate it. I have attached documents showing that I have been making payments and the payment going up. Also, where the loan started at {$18000.00} to now {$61000.00} due to interest rates.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

I always pay on time, but XXXX not sure why this company is showing late payments for some months. According to USC 1666b, billing errors must be fixed and updated to reflect timely payment.