davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXXXXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting 3 diffrent dates of last activity., there are 3 diffrent account STATUS, XXXX is reporting a DEROGATORY, while XXXX reports a PAID account 3 diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting 120/late also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I called XXXX XX/XX/XXXX, because I had gotten a notice stating that I did not make my mortgage payment. I did make to Mr. Cooper on XX/XX/XXXX confirmation # # XXXX in the amount XXXX. When I called Mr. Cooper the woman who answered ( in TX ) Hung up on me. I called again later that day and was told by a employee of Mr. Cooper that I did not make my paymen t and my hourse was going to go into foreclosure. I let her know that I did make the payment and gave her the confirmation #. She told me that my bank rejected it. Which I have been making payments to this same ortgage company since XX/XX/XXXX whith no problem. I went to my back that day after work and I was told by the back that there was never a attempt on putting throught the payment from Nationstar Mortgage ( Mr. Cooper ). I called the bank when I got home and I was told again I did not make my payment they were in the process of forclosure and I explained everything about to this women if I was going to make the payment for both XXXX and XXXX. I said yes but to geive me atracking number for the payment that my bank rejected on XX/XX/XXXX for # XXXX. She put me on hold while she spoke to her XXXX. And she said that she would waive the {$86.00} XXXX later fee and the {$15.00} XXXX Fee. So I made my XXXX payment on XX/XX/XXXX confirmation # XXXX in the amount of {$4100.00}. On XX/XX/XXXX I went in to my bank account to see if the payment went through I was told still no payment had gone through on their side and that my bank rejected it for insufficent funds. This is not true I went back to the bank and I was told that the Nationstar Mortgage only entered in 4 of the 6 numbers for the account number. So the bank needs to ID the 6 numbers not 4. I called Mr. Cooper back on the XXXX they told me to wait till XX/XX/XXXX to call them back to see if the payment went through. No fees will be put on your account I am putting that in right now I was told. I could not call on XX/XX/XXXX because my daughter had XXXX. I called Mr. Cooper on XX/XX/XXXX at XXXX and was told by XXXX in TX that the payment was past due, she was nice and cleared all of the charges again and double checked with me the account number and the routing number and I approved her to resend the payment, she said to give 24 hours. I have and still the money is in my account no payments paid. I can not do this any more. and with my husband just loosing his job and this Mr. Cooper not able to put my payments through is XXXX percent rediculess. Can you please look in to this for me please. I was told by XXXX that I
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

I have been trying since the middle of 2021 to get an account created with myEquifax.com. I have been constantly on the phone with representatives and I get a different answer each time I speak with someone. I WANT MY ACCOUNT CREATED NOW!!!!! It has been repeatedly asked that I submit a Soc Sec Card and my Driver 's License to confirm my identity. I have submitted those items several times because I have disputed items on my credit report and the results are sent to me EVERYTIME! 

I am tired of the run around and when I asked to wait for anything, I am always hung up on. The low down scamming behavior that exhibits with these credit bureaus are insane. The more they scam us out of money, the more they get away with by just paying {$5.00} in a settlement fee! 

I will be contacting my LAWYERS and I will be compensated for the continued abuse of power from these agencies. 

I want my account created NOW and stop it with the excuses!
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (IL)

I am obligated to carry mortgage insurance until I have 20 % equity in my home. I reached 20 % equity in XX/XX/XXXX. I requested to have my PMI removed. After filling out a form and paying a {$150.00} fee on XX/XX/XXXX, I expected to have a response on my request no later than XX/XX/XXXX ( as the form I filled out stated that " Within 45 days of receiving your request if using original value or the completed BPO or appraisal if using current value, we will determine if your loan qualified for PMI removal and provide you a written response. '' Instead, I have received no response and was charged PMI on XX/XX/XXXX. I called ServiceMac ( my mortgage loan servicer ) today and was told they misapplied my {$150.00} payment and that they can not be certain that I will have my PMI charges removed prior to being charged again. I have no insight into how the " fixing '' of the misapplication will affect my loan balance or my right to have my PMI charges removed ( a premium charge that, given my equity cushion, does not create any value for me at this point ). I was told that I would not be given any update on what is happening with my loan for at least a week.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (AR)

XXXX complaint against FNBO, now it's time to sue for damages, thus this is their thirty ( 30 ) notice of intent to sue as per Superior Court guidelines. 

Fact timeline : Went thru XXXX website to book a trip, promotion there was apply for XXXX XXXX rewards M/C and obtain XXXX miles bonus within XXXX billing cycles and pay a {$99.00} fee to obtain the card. I was approved card. 

Initial complaint was that I never received a M/C card after XXXX ( XXXX ) days, thus it's legally " unreasonable '' for FNBO to delay card XXXX. 

Called to complain, FNBO said they would cancel above card and mail me another one. 

In between I received the bill attached, with {$490.00} charge from XXXX and XXXX yearly fee. 

The address on the billing did not show my apartment number of # XXXX, thus I surmised that because of this I never received card # XXXX. 

I called FNBO and complained again, that they did not have my apartment number that XXXX had, thus we have negligence against FNBO and never will receive card # XXXX. 

FNBO cancelled that card and issued me another one with assurances card would be expedited ( card # XXXX ) Never received, thus we have damages to lawsuit. 

Negligence and fail to preform contract as provided for under third party ( XXXX ) Damages, {$99.00} fee for card never delivered. 
Damages to wit amounts to be approximate {$1200.00} for XXXX Guest reward points that I will never receive as can not purchase anymore XXXX XXXX as I do not have a valid card, in hand due to negligence by FNBO. 

Thus, will be suing for {$2500.00} which will be paralegal costs and amount to process the case as court of jurisdiction will be AR as contract was consummated here. 

XXXX XXXX XXXX Paralegal and Current Law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We also have discrimination case against XXXX which will be filed in another venue, against a XXXX protected class of person that is protected by law.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I applied for Chase XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase. 


I applied for Chase CHASE XXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase. 

I request recondiation but every time they just ask me verify again and again, then denied again and again, I don't know what they are doing? 
Please check
Consumer complaint received 2023-01-24
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. (LA)

I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-24
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. (GA)

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

XXXX Name : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

I was contacted by XXXX that my credit score decreased due to unpaid debt to XXXX fro {$310.00} by Vance & Huffman LLC. 

I contacted XXXX who confirmed that I have no debt. 

I contacted Vance & Huffman with no response. 

My credit score dropped XXXX points due to this fraudulant claim.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX XXXX, I mailed a formal dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Specifically, I disputed the negative items showing on my credit report, Incorrect reporting of a Bankruptcy, and Inaccurate personal information. To verify my identity and comply with TransUnions documentation requirements, I included A copy of my photo ID, My Social Security card, and A recent bill showing my current address. On XXXX XXXX XXXX TransUnion responded, stating, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party.

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information in a consumer 's file is disputed. By refusing to process my dispute or initiate a reinvestigation, TransUnion has failed to uphold its legal obligations under the FCRA. 
The continued presence of this inaccurate Bankruptcy and incorrect personal information on my credit report is damaging my creditworthiness and does not reflect an accurate portrayal of my credit history.
Consumer complaint received 2023-01-24
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. (MD)

Ive been a victim of identity theft and several accounts have been open by someone who stolen my identity, the account are XXXX in the amount of {$750.00} opened XX/XX/18 and XXXX {$3000.00} opened in XX/XX/18 I reported the accounts to the FTC
Consumer complaint received 2015-05-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process
Consumer complaint received 2015-10-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank has been unwilling to provide any form of assistance in recovering or refunding the money I lost as the result of a scam. I wrote a check to an XXXX-based tour company in the amount of {$3600.00} in exchange for their tour and guide services. 2-days prior to the trip, the company cancelled the trip citing XXXX in the area. No other travel companies that we contacted cancelled their trips and there were no reports of any XXXX online. The tour company has kept my money and is unwilling to offer any form of refund. The others in my group were able to recover their funds from their banks and credit card companies, but Chase told me they would not provide any options other than " contact the police '' and " try to get your money back from the company yourself. ''
Consumer complaint received 2023-02-28
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. (PA)

On XX/XX/XXXX I contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at TransUnion stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (MO)

Transunion is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who Transunion thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in XXXX.My name is XXXX XXXX XXXX want me to spell it and sound it out? Documentation is attached, which Transunuon already has this. Imtired & Im done.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

On Wednesday XX/XX/2023 I went to Discount Tire located at XXXX XXXX XXXX XXXX XXXX OH XXXX. The purpose of the visit was to purchase a new set of four tires. Discount Tire employees ; XXXX, XXXX, and XXXX told me about a promotion in which I can finance the cost of four new tires through a company called Synchrony. Upon application to finance the work ( which was quoted at {$820.00} ) I requested {$830.00}. Synchrony denied the requested amount and offered {$400.00} instead. I declined the amount and did not wish to be issued a line of credit for {$400.00}. On Tuesday XX/XX/2023 I received an email from Synchrony saying a credit card was in the mail for {$400.00}. I called ( XXXX ) XXXX XXXX and after much difficulty through the automated system reached a live person to cancel the credit card. 

Note : A letter from Synchrony arrived on XX/XX/2023 stating the reason for denial was " Insufficient experience at your current credit limit ''. I have no experience with this limit because I have never had an account with Synchrony. This is not a legitimate reason to be denied.