davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently checked my reports and saw that my address in all XXXX were incorrect. I would like my address be updated on file. Kindly change it to my current address this is my current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-17
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: JPMORGAN CHASE & CO. (CA)

Y name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never applied with Chase Bank and was told I have a home loan, which I live in a XXXX XXXX XXXX Assist'ed Apt I had a student acct with XXXX XXXX XXXX in XXXX, CA on XXXX XXXX I became very XXXX from a XXXX back in XXXX ( not certain exact date 's ) and my account was said to have a Insurance binder that would pay 6 months payments if I ever needed it. 

I had to spend every penny I could scrap up to detox from a bad batch of XXXX I had been prescribed from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX I even had to let my XXXX XXXX XXXX shut off to afford to shop at Whole Foods Grocery Store in XXXX, CA XXXX XXXX failed to provided the Insurance payments stating I was already injured at the time the credit was granted and therefore did not have to cover me, yet kept promising they would. 

My credit score plummeted drastically. 

It breaks my heart as I have been trying to re-establish myself. This keeps a dark cloud over my head and is unfair.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX and XXXX   to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.
Consumer complaint received 2018-01-18
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. (NV)

In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Consumer complaint received 2015-07-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.
Consumer complaint received 2019-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (IL)

On XX/XX/2019 I applied for a payday loan with Ameri cash loans. I was not informed of the interest rate this loan would have. I was also given the option of how much I wanted the loan to be. I agreed to take out the loan for {$800.00} and the rep allowed me too after sending over supporting documents such as : my 2 most recent pay statements, photo ID and signing contracts over the phone. According to the Illinois Department of Financial & Professional Regulation consumers should not be able to borrow 25 % of your gross monthly income. At the time my monthly income was XXXX was meant the maximum amount I should have been eligible for would have been {$720.00}. Because of this I feel this lender is guilty of predatory lending.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern
Consumer complaint received 2019-12-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation (TX)

The necessary TILA Reg. Z form H-8 Right to Rescind and H-9 Recission Refinancing w Original Creditor were not including at my closing with SWBC mortgage corporation. The mortgage was refinanced with no cash out. XXXX XXXX XXXX allegedly purchased the mortgage but can not validate the note or provide the original promissory note. XXXX XXXX have been unjustly been enriching themselves by foreclosing on my property and securtizing the note. UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX DIVISION No. XXXX and Case No. XXXX XXXX  County Justice of the Peace Precint XXXX, Place 1 Loan No. XXXX   VA File No. XXXX  Mortgage Insurance Case No. XXXX  Borrower- XXXX XXXX XXXX Lender- SWBC Mortgage, XXXX XXXX XXXX XXXX XXXX, Texas XXXX  Property Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlement Date : XX/XX/2010 My family have been thrown out of our homes at the threat of physical violence by XXXX  County Pct XXXX  with an invalid court order. The FBI were notified of this unlawful and illegal action but failed to investigate.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks XXXX XXXX
Consumer complaint received 2020-03-18
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ASSOCIATED BANC-CORP (IL)

In XX/XX/XXXX, I was approved for construction loan in the amount of {$420000.00} with Associated Bank. I did not use {$130.00}, XXXX. I was informed that whatever funds I do not use, the principal will be reduced by that amount. It is supported by Assc. Bank policy. 
XX/XX/XXXX, my mortgage principle was not reduced. I have been paying interest to date. Worst, XX/XX/XXXX {$130000.00} was paid out without my Authorization. Associated Bank refuses to discuss this matter with me and continues to charge me fees and cause financial hardship.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (GA)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NY)

Back in XX/XX/XXXX I was trying to get a modification from Flagstar Bank of my mortgage as I missed a payment. I submitted a modification package to Flagstar bank to obtain a loan modification. Unfortunately for the next to 2 years I was requested to resubmit a new modification package every 3 to 4 months as the most recent package they had in their system had expired due to the back log of loans they had to review. After 2 and half years Flagstar sold/transferred my mortgage to XXXX in XX/XX/XXXX/XX/XX/XXXX XXXX after 3 months since acquiring my mortgage from Flagstar, they started foreclosure on my property. But when Flagstar sold/transferred my property to XXXX they made an error in the assignment of my mortgage. Currently I am trying to walk away from the property by doing a Deed and Lieu with the current mortgage company XXXX XXXX XXXX, but the error by Flagstar with the assignment of mortgage is holding up the process. I was informed that it will take Flagstar Bank to 45 to 60 days to sign the Gap assignment of mortgage form so the error they made can be fixed. With Flagstar Bank needlessly prolonging the process with reviewing for loan modification and now to correct their error with the assignment of my property mortgage, they are consistently showing their negligence. With me being a former mortgage underwriter, show that there is a lack of professionalism and integrity in the mortgage industry.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

This has become an alaraming pattern of negligence and possible intentional negligence and malice when it comes to the billing of my card with US Bank. 
Thsi pertains to the reversal of XXXX provision credis despute the bank being in receipt of my paperwork related to the disputes, failure to provide signatures/drafts or evidence of chip usage for my card, and failure to provide doucmentation that a YELP order was received ( it wasnt and they cant prove it ). 
So the provision credits that should of been permanent credits to my account are : 1.XXXX ( XXXX ) XXXX -- POssibly the most egregios. From a city in the middle of Virginia that I have never visited 2. XXXX XXXX ( XXXX ) -- -didnt authorized the charge. Please show me a signed receipt. You cant because there isnt one. 
3. XXXX XXXX ( XXXX ) I never received the food from this order. It was ordered but must of been delivered to a different address. Again no proof provided showing it was delievered to me. 
Attached you will find copies of correspondence sent to US Bank alongside a troubling letter that US Bank references " an attempt to reach me via phone '' with no reference to any matter. Saying " if we dont hear form you by XXXX/XXXX/17 we will not complete the investigation ''. Well i did call and sent multiple faxes telling them XXXX XXXX wasnt a valid charge and to give me a signed receipt. The decided to make matters worse and over turn the provisional credit before their " self imposed deadline '' of XXXX XXXX, 2017. 
I have made it clear to US Bank i will communicate in writting or email. As a small exception, I did in fact called the alias " XXXX XXXX '' XXXX XXXX but alas no one was available. It was all in vain as US Bank had olanned on reversing the provisional credit for XXXX XXXX all along. 
This was a calculated, premeditated act by US Bank. 
Please see copies of communication with US Bank on this matter.
Consumer complaint received 2018-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NH)

The Current mortgage loan servicer, Pennymac Loan Services of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX does not possess an indorsed promissory note from the original servicer of the loan, XXXX XXXX XXXX XXXX. In fact, XXXX XXXX XXXX XXXX noted that it has lost the possession of the original note as well.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I was charged an annual fee of {$190.00} on XX/XX/XXXX by American Express but they gave me a credit of {$200.00} on XX/XX/XXXX. When I called and asked about {$200.00}, a representative told me that it 's a special credit on the anniversary of the card. I told the rep. that I was going to cancel the card to avoid the annual fee but since I got {$200.00}, I am going to keep the card. 

However, I noticed {$200.00} credit reversal on the XX/XX/XXXX on the statement that ended onXX/XX/XXXX, and used the customer chat feature to inquire about that on XX/XX/XXXX. I was told that it was an error that I got {$200.00} so they took it back. I repeatly explained to them that I would have cancelled the card if it was n't for the {$200.00} and asked for the refund on the annual fee but they told me that they ca n't because 30 days has been passed. One rep finally submitted a claim for me on XX/XX/XXXX but told me that it might take up to 30 days and I am the one responsible to call back from time to time to check on the status of the claim. 

I feel like the company tricked me to stay with them and pay the annual fee of {$190.00} by offering {$200.00} credit, only to take it back a month later, when it was too lake for me to act on it to get my annual fee back.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.
Consumer complaint received 2019-12-21
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2017-07-30
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting.
I have XXXX private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # XXXX ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted Experian credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a 1099-C, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender.
Loan # XXXX ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Consumer complaint received 2017-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Activehours (GA)

I 've been using the app Activehours for payday loans, never given me problems til now. You can only get {$100.00} a day and my max for my pay period is {$450.00}. I have a bank statement showing that they deposited {$300.00} in my account in one day which is impossible because you can get {$100.00} a day and I did n't ask for the loan nor did I even use it and they are going to take almost {$500.00} out my account for something that I did n't ask for. I sent them an email still waiting on a response
Consumer complaint received 2019-12-21
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Schreiber Law LLC (CT)

XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
Consumer complaint received 2020-05-27
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.