davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

I had a split mortgage with XXXX XXXX XXXX and JPMCB HOME. Both accounts were legally paid in full for less than the full balance. The Foreclosure was discontinued. While I was XXXX, my EX wife did not pay the mortgage. With my job in the XXXX I had no way of knowing. In our divorce the Judge ruled in my favor of the responsibility of the payments being made hers while I was in XXXX. When I returned home I worked with the banks to rectify the situation and was able to pay the mortgage off. Please remove this from my report as she was ruled the responsible party ...
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Hi NRA ; How r you? You are reporting wrong, incomplete, and unverifiable info on my credit report. This account was on my credit before and I had disputed and it was deleted. Now it re-appeared with the wrong open date of XX/XX/2020? What is the 1st date of delinquency of this account? This is causing this account to illegally re-age the way it's reporting and it's a violation. 

Basically, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from my XXXX  from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eagle Accounts Group, Inc. (FL)

On XX/XX/2020 I received a letter from the department of revenue child support program XXXX XXXX XXXX me XXXX XXXX, fl XXXX claiming that I owe them {$25000.00} since receiving that letter I have tried contacting the agency to ask for proof of this debt and what agreement did myself and then entered in or if there was a promise to pay or any paperwork that could validate their claim but they ignore me time and time again.on XX/XX/2020 I traveled to XXXX where I stayed for 4 months upon my return I found out that this agency had taking me to court and now I am order to pay them {$790.00} and {$150.00} again I have yet to see anything from this company about the contract that I signed with them or any promises that I made i believe this all fraud and abuse of the court system since they have the funds to trap me in the courts and I am hepless because I don't have the means to adequate representation. Through this order they stand to garnish my wages and even imprisoned me for lack of payments which again is against my rights. Please help.
Consumer complaint received 2020-06-26
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)

SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

I was served papers for a RECENT debt from XXXX XXXX, ( ie Express Recovery Services ), shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday _XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that EXPRESS RECOVERY SERVICES is in the same building as XXXX XXXX XXXX. But XXXX XXXX XXXXXXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with express recovery is brushing too close to whats considered legal.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.
Consumer complaint received 2020-11-23
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. (FL)

I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been trying to get a car loan for about a year now. Not sure what the deal is but for over a year now I've been fighting all three credit reporting agencies tooth and nails to remove inacuracies after inaccuracies. I have filed complaints right here with this agency against all three credit reporting agencies in hopes that it would clean everything up. Denied, denied, denied, denied, denied, that's all I am getting! WHY I AM NOT OUT TRYING TO STEAL A CAR, I'M TRYING TO PURCHASE A CAR! Today I get an email from Transunion credit reporting agency and in the email on the front page it advertises a garaunteed car loan, DID I MENTION THAT I NEED A CAR LOAN REALLY BAD? So again, and there are screen shots attached to this complaint! So Transunion sends me a gauranteed car loan invite so I fill out the information and when I'm finished I get landed on a page to buy insurance. No car or car loan as garaunteed. Is there not laws against this? Are there different sets of rules that I do not know about? I just lived through covid like everyone else and now inflation has grappled the economy and I'm here with everyone else again, so why am I getting COMPLETELY hammered with lies and misinformation from not one but all three credit reporting agencies? Why am I being wrongly reported on all three credit reporting agencies? Why are the same credit reporting agencies sending me garaunteed car loan applications to my email then not following through with the garaunteed loan that it sends me?
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (CA)

Do to the covid 19 pandemic, i was furloughed from my job for a few months, that resulted in me being late on 1 payment. I made the payment up, after checking my credit report i found they were reporting me late, i made the payment before it was 30 day 's late. I wrote a letter to the ceo of the company Mr XXXX XXXX, i explained to him what happen and that i was trying to purchase a new home next year, and that this one late could hurt my credit score. He forwarded it to XXXX XXXX She works in the Executive department, she said she could not remove the late.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (LA)

I made payments to pay off my balance on Amazon card. Synchrony bank has held my payment for over 96 hours after I informed them I have been displaced due to natural disasters affecting my area and needed to purchase medical prescription. I spoke with account manager XXXX, if that is her name. She stated her supervisors name is XXXX. I asked her to give me Department that I could write to file complaints, she said she was unaware of any after working there 3 years. I asked her to contact my bank to verify the payment has left my account.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FMA Alliance, Ltd. (KY)

I was contacted XX/XX/20 and again today XX/XX/20 from XXXX by a XXXX or XXXX XXXX claiming to be from FMA Alliance on behalf of XXXX XXXX  for a debt collection of $ XXXX. Wanted me to verify my information, which I would not do. 
Contacted XXXX XXXX directly on both occasions whom verified I have a positive account and nothing in collections.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.
Consumer complaint received 2020-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc. (VA)

On or around XX/XX/2020, I purchase a device via QuadPay at XXXX XXXX. The purchase required an initial deposit of {$83.00} and three additional installments of {$83.00}. 
On XX/XX/2020, I returned the item to the merchant ( XXXX XXXX ). The merchant provided an approval code ( XXXX ). 

That same day, I notified QuadPay of the return. QuadPay instructed me to wait until the merchant had refunded the account. This has not occurred ( even though it has been more than three weeks ). 

To proactively advocate for the refund, I contacted QuadPay many times and through various communication methods ( telephone and chat ) without avail. 

The total amount to refund is {$310.00} I asked politely for this amount to be refunded but no one responded to my inquiries. 

I also would like to highlight retaliation practices or blocking consumers for voicing their concerns to public entities. Please help us by securing our freedoms are respected!
Consumer complaint received 2020-11-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company is a debt buyer who is reporting inaccurate information on my credit report. I have recently removed the inaccuracies this year and now its reappearing again with different balances and inaccurate original balance and balance owed. I repeatedly asked this company to please send a copy of original contract by creditor but have yet to receive this information. According to the FCRA any information that is incorrect and not verified as being correct must be removed. This is why it was removed the first time because it was inaccurate. Now it is again on my report with inaccurate information again with a higher original balance. and a lower balance owed but i never once made any payments to this company. Why did the balances changed? This is a refusal to pay until original signed contract is received. Letters received by this company after disputing has addresses that is not my address. I have also contacted the FTC about this mater because I'm tired of beating a dead horse.
Consumer complaint received 2020-11-12
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: CBC Companies, Inc. (TX)

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NAVY FEDERAL CREDIT UNION (MD)

My credit union stated that I had until XX/XX/year> to receive my items from the vehicle, The car was repossessed XX/XX/XXXX. I called to make an appointment and they stated that they no longer had the items and they were disposed of after 30 days from XX/XX/XXXX which is XX/XX/XXXX. I talked to my credit union to verify any discrepancies and they said that the date XX/XX/year> was correct and my items should have been available until that date.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AR)

On XXXX XXXX I received a letter from XXXX ( XXXX XXXX XXXX ) stating that they are contacting me about an account with PayPal that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting PayPal as well as this company, to no avail. I do not have a PayPal account and I do not owe them any money.