davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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. (FL)

I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018 XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ID)

We started to have troubles with our mortgage payments in XXXX. We contacted the servicer and they said our loan was not allowed to do a modification so I asked who owned our note so that I could talk to them they said that I would have to talk to XXXX XXXX  in which I called the VP and he told me they did not own our note and he sent me back to the servicer. The two companies kept sending me back and forth. So we finally just sued everyone to see who owned our note and then miraculously XXXX XXXX  said they owned our note and their attorney emailed it to our attorney and we noticed that it didn't look right. So we emailed it to a forensic to have it inspected and she said it had definitely been altered. The judge wouldn't let us do anything with the note. So we kept fighting with XXXX XXXX, and in XX/XX/XXXX we had a gentleman do research on the insurance policy that XXXX XXXX  had taken out on our mortgage. The mortgage was combined into a trust which and the insurance policy was on the trust. And in this report it showed as of XX/XX/XXXX that the bank had already been paid in full for the principle and interest by the insurance company when we went into default on our mortgage and because of the type of policy being a Class A-2 they did not have to pay back the insurance company after they foreclosed. We informed XXXX XXXX  attorney of the matter on XX/XX/XXXX and he said that they had never been paid out by a third party for the mortgage without him even having time to get with the mortgage company about this matter to find out to make sure. XXXX proceeded to foreclose on the property on XX/XX/XXXX. To our understanding with people that we have talked to that XXXX XXXX  collecting from the insurance company and then still foreclosing on the property that this is double dipping and is against the law.
Consumer complaint received 2020-01-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  AND TRANSUNION STATED THAT THE WAS INVESTIGATING THE BANKRUPTCY THAT THEY ARE REPORTIING HOWEVER THAT IS NOT TRE. 
THEY ALSO STATED THAT THEY VERIFIED IT WITH THE COURTS WHICH IS NOT TRUE. 
THEY ALSO STATED THAT THE VERIFIED IT WITH XXXX XXXX AND XXXX, WHICH IS NOT TRUE. I HAVE CONTACTED ALL PARTIES LISTED. 
MY INFORMATION IS NOT WITH ANY OF THOSE COMPANIES. I WANT THE BANKRUTCY DELETED FROM MY CREDIT REPORT IMMEDIATLEY. 
THIS HAVE BEING GOING ON FOR MONTHS AND XXXX  AND TRANSUNION HAVE NOT DID ANYTHING BUT USE STALL TACTICS. I NOTIFIED XXXX  WITH THE FINDINGS AND THEY REMOVED IT FROM MY CREDIT REPORT IMMEDIATLEY.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of EducationXXXX : XXXX I looked at my Experian credit report on XX/XX/year> and noticed errors and information that is not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delated from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (NJ)

In XX/XX/XXXX Someone opened a XXXX Account under my name and Social Security number. XXXX Account # XXXX, Amount {$3400.00}. This is fraudulent. I contacted XXXX, filled out their fraud packet, filed police report, notarize documents and sent to their Fraud Department. 

In XX/XX/XXXX Convergent debt collectors ( Converget Account # XXXX XXXX XXXX ) contacted me. 

XXXX did not file the fraudulent packet correctly, placed me in collections, and now my credit is XXXX down from 800s - which is holding back my life. 

All documents attached.
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Credit Adjustments Inc (AZ)

This was several months ago, i have been very busy. I got a letter in the mail for a loan i apparently took in 2012. I did do financial aid aka fasfa. That was token care of. Now i have this letter saying i owe XXXX XXXX dollars, and its a letter from an collection agency. I contacted the agency and they say its for a loan in XXXX of 2012, but there were 2 loans and for a school called XXXX XXXX XXXX XXXX and XXXX   located in XXXX, florida. Problem is i live in XXXX arizona, and never have lived any where else. So some one used my ssn to create a loan for this school. I tried talking to the agency but they were pretty much not caring and really didnt want to help, they told me to go to this website and wouldnt tell me how to navigate from there. They were getting frustrated. As i have had 2 tax refunds token from me, totaling about XXXX XXXX This has been a big hassle.
Consumer complaint received 2020-01-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

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.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  NA with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Consumer complaint received 2020-01-16
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: Experian Information Solutions Inc. (FL)

I am trying to get into my Experian account and every time I have tried it, th e website makes it compulsory to request a free credit report ; then when you gave them the information so you could access the account, this message pops up " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX  XXXX  to XXXX   XXXX  PT Sat - Sun : XXXX  XXXX  to XXXX  XXXX  PT '' Then, when you try to reach them using that phone number is a continuous loop of automated choices that never gives the chance to speak to somebody about this. 

All the other phones listed in their websites are also recordings after recordings. There is even one phone number : XXXX XXXX XXXX that not even rings and directs the call to a recording saying " they are having technical difficulties and to call later '' since THREE DAYS AGO. 

It is ridiculous that such an important part of your life it is utterly inaccessible.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (NV)

I have contacted them several times to close my account. Each time they indicate they understand what I want and say I need to pay the outstanding balance. I pay the outstanding balance, they still don't close the account and the next month I get another bill for the monthly fee. I am hard of hearing so it is difficult for me to keep calling which doesn't seem to do any good.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Received a letter from Chase on XX/XX/2019 informing me of their decision on a transaction dispute I requested they open on XX/XX/2019. Emailed them same day, XX/XX/XXXX, the decision letter was received for an explanation as to why the investigation into this dispute ended with a result that was not at all related to the original complaint. The dispute was never for a billing error. It was because the merchant was deceiving in selling a device that is not compatible with my vehicle and has since ceased email contact for troubleshooting and return. I provided all proof/evidence via secure emails I forwarded Chase to investigate the dispute, the seller even stated in the email that if the device is in fact not compatible, he will proceed with a return at my expense. After sending him proof via email proving his device is not compatible, he has ceased correspondence. All the email correspondence as well as proof the device not working as promised has been forwarded to Chase to review. A Chase representative promised an explanation of the decision made by their dispute department within 3 business days regarding their decision -- still have not heard anything regarding my dispute.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (WA)

On Saturday XX/XX/2018 I viewed an apartment at the XXXX XXXX XXXX XXXX XXXX. As part of the application process, the leasing agent requested that I sign a Lease Contract Contemplated. The Lease Disclosure of this document states that I am not approved until management countersigns the document. On Sunday, XX/XX/2018 I withdrew my application. The leasing agent responded asking if I wanted to see another larger home. However it was out of my price range. The next day, I received a invite from another leasing agent to view a larger home. 

On XX/XX/2018, I received a notice from management stating that I would receive lease break fees if I chose not to occupy the home that I had withdrew the application for.. The manager had proceeded with processing my application, despite my XX/XX/2018 application withdrawal ( SEE XXXX EMAIL ). He provided a countersigned Lease XX/XX/2018 ( see time stamps ). He provided me an Lease Break invoice with the wrong withdrawal of application date ( XX/XX/2018 ) and noted Paragraph 10 Lease Break stipulation. 
When asked about this error, the leasing agent stated that he management did not report to work until the XX/XX/2018. However, I don't see how this would impact noting the correct date that I withdrew my application. 

Paragraph 9 of the Lease Contract Contemplated- Lease Disclosure states that withdrawal of the lease application prior to approval would result in loss of application fee and deposit, with no further obligation. I have relentlessly tried to resolve this with XXXX XXXX, XXXX XXXX XXXX, XXXX @ Corporate ( no response ) and Blakely Witt and Associates for a settlement. The collection agency is demanding a paid in full settlement despite the nature of the situation
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

Reference CFPB Case No : XXXX The Complaint was never answered within the 30 days to your agency, they failed to comply because they knew they had commited all the violations as claimed and proved by me consumer XXXX XXXX, I don't know what to do do since I am a senior citizen and XXXX XXXX XXXX veteran, can you help me attached is the original complaint, FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7.,  Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act. If the contract includes a finance charge which is  determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older. ( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities. ( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is from a Kohls credit card in which had a maximum limit of XXXX XXXX dollars and it states I owe {$610.00}. My Kohls account was paid in full and closed so I have no idea why it is on my credit report as Exceeded the maximum limit and now Stating I owe over {$600.00}. I already filed a dispute with XXXX and this one came back with no change. I have tried working with the merchant and they are saying that the account was never paid in full, So it will remain on my credit report. I have just been able to get my first credit card due to one of the three derogatory notations on my report ; Kohls being one of them. I need it drops off my credit report as it was paid in full.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX XXXX XXXX closed my checking account on XX/XX/2018 without informing me. They also reported my to Chex systems as account abuse despite having a savings account with them and a credit card.
Consumer complaint received 2020-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (WY)

I Purchased a dog at XXXX XXXX in XXXX Wy, I was told I was approved for a loan with Lending USA and that the paperwork would come in the mail to me. They asked for my physical address and I explained I can not get mail at this address. I gave them both my PO box and physical address. I was told I would qualify for 6 months same as cash. I made this purchase the end of XX/XX/XXXX. I never received anything in the mail, I called Lending USA in XX/XX/XXXX to ask what was going on and they said they would email me the information. I never received an email and I went online and made a XXXX payment of which it did not leave my bank for a week. I then called and made this XXXX payment again over the phone after that I made a XXXX payment in XX/XX/XXXX and a XXXX payment in XX/XX/XXXX never have I received any information on how much to pay or when the payment is due and I have called them several times. I asked about the payoff and it was a lot more then I thought. they said because I was late due to never getting paperwork I lost my no interest. I filed a complaint since they did not mail it to me and they stated they did to the physical address which I can not get mail. I feel this is fraud to get the consumer to buy and then take them for a large amount of interest. They say I still owe {$700.00} for a {$1900.00} purchase and I have already paid {$1700.00}. I want help to resolve this as it is unfair, I have never been late on any of my cards or loans. I have no idea how they are being able to get away with this.
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TN)

I have an old debt on my credit report from XXXX XXXX XXXX. I have switched phone numbers multiple times since the original debt back in 2015. This company, Credence Resource Management is always finding my new number, I'm assuming by running my credit report WHICH IS ILLEGAL. 

They are also calling from XXXX numbers, what appear to be from local numbers when they are not local. I believe this is illegal to " spoof '' numbers when they are sitting in other locations. They never leave messages then when I return the call, it's this company and they are always of XXXX decent. I have no idea if these people are scams or what the problem is but it's disturbing how they are gaining access to my new cell phone numbers when I have had NO contact with them in many years. 

As stated, they are also calling from what appears to be local numbers and spoofing their number in an illegal attempt to make me answer.
Consumer complaint received 2018-12-22
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: KINGS CREDIT SERVICES (CA)

XXXX  has been non-compliant with removing the unverified account KINGS CREDIT SERVICES Date opened XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-01-12
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: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Hello, I was divorced by my ex-wife in XX/XX/2010 in which she was awarded the property and all financial responsibility concerning the property through mediation in which XXXX and my self agreed by. I call the lender HSBC to ask them to remove my-self off the loan and they decline. I am asking for you assistance to removed that loan off my credit report. I have supporting documentation to support why that loan should be removed from my credit report. 

Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Equifax has removed all data from my credit file, and has not replaced it. Potential lender/s state that there is no file available from Equifax. The third party entities that pull Equifax for my report, are not showing any information. Equifax has not responded to any requests to resolve this issue.