davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MI)

It is JP Morgan Chase credit card. They had doubled my interest per month and I could no longer afford it. My social security checks are deposited there. I fell behind in payments. Accrued extra late fees and interest and paying them back is no longer possible. I have a daughter with XXXX as well. We do not have the money. I called several of their departments to get my lower interest rate restored to no avail. They said it had been " introductory '' for a year. I didn't know this. I regret and apologize for their inconvenience, from my heart.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted the mississippi Dept.of Human Services about my child support being reported as delinquit.The mother of my child has passed away.I informed this department XX/XX/XXXX th about this and they continue to bill me and report my child support as not being paid.they are deliberity fileing false information, and they think that they can not be held accountable.this agency has caused me financial harm with there handling of my stimulas check i never got, and the unfair credit reporting.All three credit reporting agencies are still currently reporting this negetive credit.DHS says i have to prove the death of my childs mother.i have no legal binding to the deseaced as they have and its not my responsiabilty to prove what they are in the service to do..that is child support.my daughter has not lived with her mother since the year XXXX.i can prove this in court.This Child Support Division does not help the children as my case here proves.They dont even know the childs mother is dead.what if my child is on the floor dying with no child support division watching?  what is there job? to ruin innocent fathers credit? they on top of that, but fall short on DEPARTMENT OF HUMAN SERVICES.Please assist me in correcting this matter.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is trying to collect on a debt. However, they never sent me information to challenge the debt when they bought the debt allegedly from XXXX XXXX. I have sent multiple requests for validation on the debt and they have not responded with proper documentation that they have a right to collect on the debt.
Consumer complaint received 2020-09-28
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. (TX)

THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT EQUIFAX AND XXXX  SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (TX)

I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, experian, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. experian took some items off but wouldnt do two of them and experian deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for experian the two accounts, XXXX/XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax and XXXX should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2024-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

After checking putting in appliacation for loans and credit I was denied due to the incorrect information place on my XXXX XXXX credit report and XXXX reports. The file is reporting my name wrong XXXX XXXX and the incorrect amount a XXXX dollars in student debts with its incorrecte before my loans were sold its was reporting XXXX this has caused my a great deal of XXXX  which had caused my health to XXXX, I have had to go on XXXX XXXX XXXX  and have had XXXX XXXX  XXXX  this has ruined my personal reputation I am unable to get employment worthy of my education due to my high low credit score due to this Loan issue. and
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Loan was with PHH/XXXX  for servicing without a payment missed in 5 years. I was furloughed in XX/XX/XXXX due to COVID, submitted forbearance paperwork to PHH and was approved. started work again and needed more time to come back to full payment ability and was approved for temporary repayment on XXXX. I made the XXXX payment, was told PHH will contact me to manually make the payment for XXXX, no call came. Instead my loan was transferred to XXXX XXXX, another subsidiary collector of XXXX. My loan was reported delinquent which dropped my credit score over 100 points but was rectified by PHH. XXXX told me nothing would be available on new loan until appx. XX/XX/XXXX, when I called they had no idea about the payment plan, I emailed my letter from PHH that day. I followed up again the next week with the statement that they never received/not in file, and same until today. The document has been emailed to their servicing department with my loan # in subject line 2x at this point, faxed as well, and emailed to the 'designated rep '. I have yet to receive a confirmation of receipt, and an honoring of the approved repayment plan by PHH Mortgage. I am being prayed upon to make the full payment in all communications by the servicer, and this does not feel right. I am a borrower with a perfect payment history, placed on an approved payment plan due to being laid off during a global pandemic, and now I am being given the runaround by a subservicer.
Consumer complaint received 2020-09-28
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. (LA)

I have been filing complaints with the credit bureau for 5 years and I have still problems with the credit bureau doing there job. Please give me a call at XXXX or via email XXXX XXXX
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (CA)

After p

urchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2022-09-05
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: SYNCHRONY FINANCIAL (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Reporting decreases on my credit line which damaged my credit score significantly. Especially when I made all my payments on time and I also was not late on my accounts.

Annual income has not changed since obtaining the credit card.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

TODAYS DATEXXXX ENHANCED RECOVERY CO L XXXX In response to CFPB:XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection  Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ENHANCED RECOVERY CO L XXXX any company associate with this account # ENHANCED RECOVERY CO L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your  organization will be reported to the Federal Trade Commission ENHANCED RECOVERY CO L XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-09-29
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. (LA)

Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.
Consumer complaint received 2020-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Overcharged in purchase of new vehicle the best sale price was not honored as per nissan XXXX XXXX XXXX online advertisement report and an overcharge MSRP price was charged instead, with an extremely high loan interest rate.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

I PAID THIS DEBT IN FULL WHEN I SWITCHED CARRIERS! Every few months XXXX sends it to collections over an error on their part. I do not owe this amount, nor am I going to pay it. Furthermore, this new collection agency they sent after me is illegally harassing me. They have called multiple times between the hours of XXXX - XXXX, they have refused to identify themselves without me giving them personal info which I will not do. Because they refuse to identify themselves, they have also not sent a written validation notice.
Consumer complaint received 2020-09-28
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. (CO)

My VA home mortgage with XXXX was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, XXXX had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that XXXX reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my XXXX account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as XXXX pt in the next week or so.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

New Rez has not paid my school taxes out of escrow. They were due by XX/XX/XXXX to get the 2 % discount. I called 3x sent an email with a copy of the school taxes in XX/XX/2020 ( even though they stated they already had a copy ). I was told the issue was escalated, that a check would be overnighted to my township to pay the taxes. As of today XX/XX/XXXX, the money is still in escrow.
Consumer complaint received 2020-09-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (AZ)

I've notified the bank that my phone number has been disconnected. The bank refuses to delete the phone number from my account. It's a security risk to have a phone number assigned to my account that might very well now belong to someone else. There is no valid reason to have a wrong phone number associated with my account. 

I think the bank believes that I got a new phone number because they tell me that I can get put on a do-not-call list. That's XXXX. I have have NO phone service. I'm not planning on getting phone service. I had to economize, and it was either the phone service or the internet. I kept the internet. 

The bank claims that they might have to call me. They haven't called me once since I opened the account, and there's no reason that might have to contact me by phone in the future. However, they have emailed me. They can email me if they need to contact me, use an online notification when I log in, or mail me a letter. It's XXXX, not XXXX.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I am a current mortgage holder with PedFed Credit Union. I am refinancing my loan with XXXX  XXXX XXXX. I have tried repeatedly to contact PenFed to stop my automatic payments and to make sure they have provided XXXX   with the payoff documentation to allow my refinance to close. Nobody is contacting me. I finally reached a person on the phone and she said that my emails from my home email address were not going through to her computer. Without an email from the address of record, she said they could not process my request. But, she did receive an email from my work email no problem. I'm in a Catch-22 and can't close on my new mortgage without their cooperation.
Consumer complaint received 2020-09-27
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. (OH)

I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an Experian associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of Experian exposing my data  in a data breach and I am now a victim of identity theft because of them. This account should be removed!