davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fortren Funding LLC (NJ)

Please refer to case # XXXX. Realize that I have gotten XXXX different excuses from fortren funding and the title co, I Abstract on the whereabouts of my cashiers check in the amount of $ XXXX.First it was towards the title fees, Then I was told that XXXX failed to pay my taxes, then I was told that I spent the disbursement money for something else.Be advised that XXXX does n't have a clue to what he is talking about because he had nothing to do with this loan at the time.XXXX XXXX who stated that he was the Sr. loan officer taking this over on behalf of XXXX who I started this process with..It turns out at this time that the Title Co.in fact however discovered, that cashiers check did get lost and I should be expecting that check back according to XXXX at I Abstract Title Agency for the full amount.I was told this on XXXX.Now the funds that I have been paying for the last 18 months towards this shortage is the question of matter on how this gets fixed and recovered.Therefore, If I add up {$200.00} times the last 18 months comes out to {$3600.00}. And this is why I am not going away anytime soon about this factor.This is the reason I am and have been requesting a hearing so we can go over step by step with the proper authority and that the proper protocol was followed. In fact what XXXX XXXX does not want anyone to know is that I was told from him in early XXXX of 2015 not to draft anymore payments from my checking account to XXXX. When I checked my account on XXXX XXXX I was told from XXXX XXXX no action was taken yet and my taxes were still due. I had called XXXX and cancelled this deal immediately for misleading me..At this point is where XXXX XXXX called me up and explained to me that he already spoke to XXXX and that I had a grace period til XXXX XXXX, to pay those taxes in which " I would put the funds out in a cashiers check to the title when she arrives at my home on XXXX XXXX 2015, and that I will be getting most of these funds back in a month or so costing me about {$500.00} in out of pocket expenses '' And " that I should not have a problem coming up with {$2400.00} since I would be skipping 2 monthly payments '' ... I also have this document in writing from XXXX and XXXX XXXX in an e-mail.This is probably why XXXX is defending him and every time I call XXXX to discuss this matter to go over documents he blows me off and pretends nothing happened because the man is running and he is hiding from me ... yours truly XXXX XXXX
Consumer complaint received 2018-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related. 

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports. 

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXX XX/XX/XXXX The known and acknowledged card company is called XXXX  for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with Capital One. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with Capital One for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT! 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This complaint is a response to a previous compliant response submitted on XX/XX/18 to credit collection services # XXXX This debt is not my debt and I don't own your company anything. No contract was never established with your company..
Consumer complaint received 2018-04-27
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. (GA)

I applied for a loan and was denied. After reviewing my credit report, I discovered Experian re-added a collection entry that was previously removed in XX/XX/2017. 

XXXX XXXX claims that I owed {$920.00}. I went to court to resolve this issue. It was determined that this debt was not mine. I first call Experian but the company refused to removed the debt. A certified letter was sent to Experian. The collection entry was removed. The company sent a credit report proving that the collection entry was removed. 

I provided two copies of the documentation from the Magistrate Court. I am again for the 3rd time providing another copy of this document.
Consumer complaint received 2018-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX   who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX, XXXX and Equifax after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on Equifax and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

In violation of 15 USC 1691a, Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. Link to full statement follows the excerpt. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of XXXX for individuals under XXXX  years of age, and " ... 

Link to full text of Citigroup policy : https : XXXX
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union is submitting that a couple of my accounts " meet FCRA. '' This is not possible as they reported it before they sent me validation of my dispute. Per FCRA they can not report a debt before it is validated is my understanding. I have a credit report from TU on XX/XX/XXXX so I know what it said before TU received my validation of debt letter. I would also like to say that TU Credit Monitoring website informed me that XXXX reported that XXXX XXXX   updated my credit report on XXXX. This is very deceptive as you will see in the screen captures of credit reports that XXXX has not and that my disputes with XXXX are still under investigation. XXXX received my dispute on XX/XX/XXXX but to my knowledge the said accounts from XXXX and XXXX XXXX XXXX are in dispute not renewed. It seems that Trans Union has reported that these accounts meet FCRA because of this. I will include screen shots from TU Credit Monitoring.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Re Conventional Home Mortgage with Chase On Thur XX/XX/XXXX I submitted a Chase Payoff Wire online.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

On Fri XX/XX/XXXX I submitted a Chase Payoff Wire online.

My bank verified the funds where wired to Chase that same day.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

Both of the above payments where submitted using exactly the same process and of the exact same Dollar amount. Please see attached verification from my bank regarding both payment amounts sent on the days referred above.

The first payment was declined by Chase, the second later payment was accepted.

Chase charged me a late fee and interest for days in between.

Obviously it was in Chase 's interest to denie the first payment and charge me according, as they knew they were losing me as a client!
Consumer complaint received 2018-04-13
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. (NC)

I have 1 credit reporting company that has several inquires on it that I didn't authorize. I called Transunion and they refused to investigate or remove the inquires. The inquiries in question are below. 

XXXX XXXX Bank Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX DC Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

When I was getting my XXXX I jaf agreed to 4 private loans from XXXX XXXX. I was unemployed, so I began a forbearance program that increased the loan amount. I have since experienced multiple issues : -Federal loan I have no knowledge of and dispited -dealing with representatives who are very un helpful and communicate very conflicting information about their loan programs -I applied for a new interest only loan and payment term extention in XX/XX/XXXX. I was  approved and the new terms were never applied to the loan.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.
Consumer complaint received 2018-03-25
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. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.
Consumer complaint received 2020-03-16
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. (TX)

On XX/XX/XXXX I logged into my account with Chase and noticed 3 unauthorized transactions : a charge for XXXX for an amount over {$400.00}, a charge from XXXX for an amount less than {$100.00}, and a charge for {$220.00} for XXXX. All charges were pending. My debit card was shut down and a new one mailed to me. Chase reversed the charges that day as a courtesy. 
I was notified via phone alert on XXXX that the charge for {$220.00} ( only charge that made it past pending ) was found to be valid or authorized. I called Chase on XXXX and was informed that the merchant provided enough proof to validate ( contract with tracking number, my phone number, my email address and my signature ). I was told the documents listed above would be mailed to me for follow up. 
As of today I have received no documentation and {$220.00} was removed from my checking account today.
Consumer complaint received 2018-03-25
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: General Motors Financial Company, Inc. (TN)

This is in reference to my joint account with my husband with GM Financial. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXXthat they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called GM financial who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX  and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX  now has a charge off for Charge offXX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge offXX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX  show worst delinquency as 90 days which is not reported at this time and XXXX shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX and XXXX it shows {$7700.00} and XXXX  nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Consumer complaint received 2018-03-25
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: United PanAm Financial Corp. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-25
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: Experian Information Solutions Inc. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-24
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an Experian consumer report. It has not responded. 

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report. 

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.