davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (IL)

On Sunday morning of XX/XX/2023 before XXXX XXXX., XXXX XXXX 's debit card ending in XXXX was stolen from the vicinity of XXXX XXXX XXXX XXXX and replaced with the debit card of a XXXX XXXX. After XXXX XXXX 's debit card was stolen, it was taken to the XXXX ATM machine at XXXX XXXX XXXX XXXX and XXXX separate transactions of {$200.00} were stolen from XXXX XXXX 's checking account. Additionally, an unauthorized ATM transaction of {$4800.00} was transferred from Savings to Checking by the individual that stole the debit card. Subsequently, XXXX additional transactions were made at XXXX XXXX XXXX of {$100.00} ( including {$100.00} cash back ), {$42.00} ( including {$40.00} cash back ), {$41.00} ( including {$40.00} cash back ), and {$3.00}. XXXX XXXX took an XXXX home from XXXX XXXX XXXX XXXX at XXXX XXXX. to XXXX XXXX XXXX XXXX at XXXX XXXX. At XXXX XXXX. on the afternoon of XX/XX/2023, after awaking, charging his dead phone, and seeing a fraud alert issued by XXXX for XXXX of the {$200.00} ATM transactions, XXXX XXXX XXXX via text to cancel the debit card and called XXXX to submit a claim for fraudulent debit card use for the XXXX aforementioned transactions. On Tuesday, XX/XX/2023 at XXXX XXXX., XXXX XXXX received a XXXX message from a XXXX XXXX asking if XXXX XXXX 's card was stolen over the weekend and confirmed that a couple came up to XXXX XXXX and helped him get an XXXX, but also presumably stole his card and replaced it with XXXX XXXX 's card. XXXX XXXX confirmed he was approached by the couple on the XXXX XXXX XXXX  XXXX XXXX after leaving XXXX XXXX and has preserved my debit card. Chase Bank proceeded to temporarily fund the XXXX XXXX claim for {$180.00} pending investigation, but ultimately denied the claim due to the compromised PIN allegedly used with no incorrect attempts. Chase Bank also promptly declined the XXXX separate withdrawals for {$200.00} each, totaling {$1000.00} due to the compromised PIN allegedly used with no incorrect attempts ( despite a fraud alert being triggered from XXXX of the attempts ). After the claims were denied, XXXX XXXX closed the Savings account on XX/XX/2023 and the Checking account on XX/XX/2023. XXXX XXXX further received a letter from Chase Bank dated XX/XX/2023 requesting payment of the {$180.00} that had been credited to the Checking account after being stolen.
Consumer complaint received 2019-04-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Please help me dealing with Loan Care. They have decided that the home that I own is not mine and will not allow me to make the payments on the loan modification they gave me. Instead, they have a sale date scheduled on my home on XX/XX/2019 an wont do anything to stop the sale. The home was granted to me by the courts through my very messy divorce. The loan is under my husbands name only, but I have legal rights through a quit claim deed and am the only person on title. Loan Care took me through the entire loan modification process and when I made my first trial payment, they sent it back and have forced my home into foreclosure. They say that I have no legal rights to the home, but they are entirely wrong. Every time I contact them I have to speak to another person who doesnt seem to understand what they are doing. Since I am the only one on title, they must give me the home since there is no one else who has rights to the property. I am shocked that I will be kicked out of my home because Loan Care can not get this straight. When my husband and I went through the divorce, we became delinquent on our home mortgage since he fought me all the way and did everything in his power to ensure that I would struggle as much as possible. During our marriage he did the worst things possible to me and I am still suffering physically from his abuse. To add insult to injury, he wants me and my boys to be homeless and has told me so. Loan care is not lifting a finger to help me and I am hoping that you will step in and get Loan Care to save my home from foreclosure and allow me to start making my mortgage payments. I am now strong financially and can afford a reasonable mortgage payment.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

Since XX/XX/XXXX I mailed a certified letter to the collection agency XXXX XXXX asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX   to remove the debt since they did not verify the debt to me within 30 days. XXXX sent to XXXX XXXX a request for verification and it came back valid to XXXX, yet XXXX XXXX didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency XXXX XXXX. My last letter to XXXX XXXX was sent certified mailed on XX/XX/XXXX. I did received a statement from XXXX XXXX, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to XXXX or did they purchase it from Synchrony Bank Monthly statements or purchases with the original creditor.
Consumer complaint received 2019-04-05
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. (TX)

I contacted Transunion on several occasions that this Hard Credit Inquiry does not belong to me or is this company any where on my credit profile. I want this XXXX deleted from my credit report as I take my credit very seriously XXXX XX/XX/2017 Please remove this as this was unauthorized and no where on my credit profile
Consumer complaint received 2019-04-05
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 — Problem with personal statement of dispute
Company: ID Analytics, Inc. (OK)

On XX/XX/2019 I received notice that XXXX XXXX had reported my credit score to XXXX XXXX. This score was over 200 points lower than my XXXX credit score. I was notified that XXXX XXXX uses a different measuring matrix than the other three well known credit reporting bureaus. This results in a much lower score being reported. The lower score allows lending institutions to charge a higher interest rate to the consumer. I believe the different measuring matrix is a deliberate attempt to mislead lenders and amounts to defamation of character as well as bank fraud. Prior to XX/XX/2019 I had never heard of XXXX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, Phone XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC (NM)

I was unaware of my account was XXXX XXXX XXXX  was sold two different times. It was paid in full {$3900.00} to XXXX XXXX XXXX XXXX. The original Balance was XXXX with XXXX XXXX XXXX. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (PA)

I am lodging a formal complaint against mrs. associates this debt collection company is reporting negative information on my credit reports without validating debt which is a violation of the fcra. ive sent this company numerous debt validation requests and they continue to ignore them. the debt is for {$1200.00} from XXXX XXXX. ive never in my life had an account with XXXX XXXX so I know this isn't my debt. I am trying to purchase my very first home for my family and im being told this negative account is holding me back. I am going to sue this debt collection company if they don't delete immediately. thanks for your time!
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MD)

I attempted to contact Cardinal Financial Company on three occasions : XX/XX/XXXX, and XXXX, XXXX. 

I received my escrow analysis. From the analysis, it looks like I have a shortage of {$210.00}, which spread out over 12 months of payments adds {$17.00} and brings my total monthly payment to XXXX. Based on the data in the electronic system and on the new payment analysis, Cardinal 's documents indicate a monthly payment of {$2100.00}. This would result in an overpayment of {$190.00}. Further on the payment coupon, included in the Escrow Analysis, I am provided an option to pay the full shortage of {$210.00} or have a monthly increase of {$2100.00}. 

In short, the Escrow Analysis contains multiple inconsistencies, which have now been hard coded into my revised payment plan. I have sought clarification from Cardinal Financial Company via their secure portal and have not received a response. This new payment goes into effect on XX/XX/XXXX and I am concerned about the errors in documents provided by Cardinal.
Consumer complaint received 2019-04-08
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. (SC)

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I have also provided you with copies of my social, current and past address and license. 
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Attached is a completed Sworn Affidavit of Identity and Residence.  Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALTERNATIVE DISPUTE RESOLUTIONS (FL)

+XXXX claims to be calling in behalf of XXXX XXXX. threathing to take you to court for accounts thats do not exist. people use abusive language. They claim the agents name is XXXX XXXX from. alternative solutions. THIS sounds like a total scam ... Account does not exist. and I do not have outstanding accounts
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates, LLC called my spouses phone on XX/XX/2019 at XXXX am from phone number XXXX and discussed the details of my debt with him WITHOUT my consent. They disclosed the original creditor, total amount owed and their company information WITHOUT my consent!
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

I opened an account with Ally Bank on XX/XX/2019. Acc # XXXX ( XXXX XXXX XXXX ) I deposit the check of $ XXXX to my account from my friend ( XXXX XXXX ) that owe money a while ago. The account was suspended, asking me to submitted the info Social Card, ID, Utility bill, etc2 that was already submitted to them. 

i was going back and forth between XXXX and XXXX  since my youngest daughter just gave birth and my oldest son was lived in XXXX XXXX, XXXX   They keep insist saying that they cant verify the  payment from XXXX XXXX   eventhough its clear that the check has been cleared and deposit to my account ( see proof of clearing from XXXX XXXX  ). 

My friend sent email to XXXX with the documentation of the copy of the credit card and also the remaining balance transfer check. 

Last call with the rep name XXXX ( Rep code XXXX or XXXX ) saying that they cant verified my identity and the identity of my friend and i told her, what else i can provide them in order to have this thing clear and they aid nothing, they said they in process contacting XXXX to verify the check and the XXXX  XXXX already told my friend that nothing wrong with the check and it has been cleared from their end. 

Got another call after few days and they told me they will close the account and will confiscate the money because they cant verify my identity. What else should i provide to them since i have given them all documentation under the sun that i have. 

Please help.
Consumer complaint received 2019-04-05
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-08
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. (IN)

I had a car loan through XXXX XXXX when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. XXXX XXXX is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (TX)

i received a notice from XXXX  about a collection on my credit from security credit services llc! i have never entered a contract with them, they were rude and threatened to sue I've disputed the item with all three bureaus. then mysteriously i received a letter from yet ANOTHER COLLECTION COMPANY thats collecting for them, XXXX  trying to collect this debt and offering a lesser payout! I have never done business with them either and they too have been extra aggressive i feel my rights are being violated! The Fair Debt Collection Practices Act prohibiting debt collectors from " using any false, deceptive or misleading representation in connection with the collection of any debt
Consumer complaint received 2019-03-15
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/XXXX, I wrote to Commonwealth Finance regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1600.00} and mailed it by certified delivery via USPS.  Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

I made a payment saturday XXXX/XXXX/XXXX. My car was repossessed that day. We immediately tried to phone Nissan but they were closed. We called monday XXXX/XXXX/XXXX and notified them there was a payment made saturday for {$800.00}. They said there was n't any record of it and they said it would take XXXX business days to post. On their website it states it takes XXXX business days to apply payment, which should have been XXXX/XXXX/XXXX. I made another payment to them for the remaining balance on XXXX/XXXX/XXXX of XXXX, which was supposed to be enough to clear it. Both payments cleared my bank on XX/XX/XXXX.Then they proceeded to say they required proof that the payment was paid by my bank in the amount of XXXX as even as off today XXXX/XXXX/XXXX they show no record of it, so I called with a tracer number for the payment but they refused that. I then faxed a statement from my bank showing the payment posted and the amount still that was insufficient. I 've now been told despite the fact the money has been withdrawn from my account that my checking account now has to show a positive balance. I have overdraft protection on my account. all the payments have been paid. but yet they will not release the car so that i may pick it up. every time i call them the requirements that i must meet to gain possession of the vehicle change. and in the meantime I 'm left with no transportation and no money. i believe they are stalling so they may then auction the car as everyday it sits there storage fees continue to increase. this car should have been released on XXXX/XXXX/XXXX.
Consumer complaint received 2019-04-05
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The collections company below has reported to the credit bureau a medical debt that was already paid. 
This is a scam and it was also reported on the credit bureau of some of my family members. 
The way they get away with this scam is by claiming that an XXXX XXXX XXXX group was never paid and sent the bill to them, however after extensive research I learned that the name they are using as original creditor ( in my case is XXXX XXXX XXXX ) was bought by a different company called XXXX and they do not have any records of my as owing any debt to XXXX since it was all paid in full.When consumers try to reach out to the doctors they bump into this problem and there is no way to get a receipt of payment because XXXX XXXX  XXXX no longer exist.I have seen in different online blogs that this technique is use in other States as well.