davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (NJ)

I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. 
XXXX is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). 
I have spoken to Rocket mortgage and they claim they never made the change, and I tired to dispute the error with XXXX, but they say it will be resolve within 30 days. 

I have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this one late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. 

Can you help me get this resolved quickly? I was hoping to purchase a property in XXXX.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (SC)

We obtained a loan from Good Leap through our solar company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to buy our solar system. The loan was for {$57000.00} and was taken out in XXXX XXXX XXXX. Little did we know the solar company was notorious for misleading customers, exaggerating the system capabilities, and scamming customers. When we learned we were victims of this scam we reached out to Good Leap for help. They turned us away saying we were responsible, and they somehow were able to quickly pull up information on our solar system that only the solar company has access to. This makes us wonder if the companies are affiliated. They told us our system was working and that we signed the loan so we had to pay regardless of the discrepancies in the contract. After a year of working with the solar company, they finally realized their error and were going to resolve it. A month later we received a letter that they were going out of business. Now there is no one that can honor the resolution. We are stuck paying for a system that under-preforms, a loan payment that exceeds any power bill we have ever received and a power bill from the lack of production. Before solar, we paid XXXX $ a month for power tops. Now we pay XXXX $ for the loan and anywhere from XXXX $ for power. Some months we are paying over XXXX $ for power! We were looking into the " the holder rule '' and are curious if that could apply in this situation. Other issues ; Also a side note we get weekly calls from Good Leap about our name being associated with a random person that also took out a loan with them. We get texts and calls stating we are responsible for his delinquent account. When we call they won't give us information about it. Another problem we have had is they on several occasions canceled our payment, making it late, which then made our monthly payment about XXXX $ higher. When we called they stated we called and canceled automatic payments and they could not fix the issue. It took us calling five different times and talking to several reps each time to get it fixed. 

I have submitted this complaint once. Good leap promised to resolve my issues and then refused to return my calls. My issue has not been resolved! I believe they are affiliated with the solar company and should be investigated for being apart of the scam XXXX XXXX XXXX created .
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I recently opened my chime account XXXX XXXX and was received maybe 5 little deposits from my girlfriend which shows and an app called XXXX and XXXX for verification. I set up my direct deposit with Chime The XXXXXXXX XXXX received my 1st ever check XX/XX/XXXX of {$1100.00} plus Chimes {$100.00} bonus for signing up with direct deposit. The next morning Saturday XXXX XXXX my account was suspended with all of my funds in there and I havent been able to get in contact with the support team.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The following hard inquiries have been made fraudulently and without my permission. I have made several verbal/written requests to the individual companies and to the credit reporting agency for evidence of the credit requests for which there has been no response for more than 60 days now. Please delete the fllowing hard inquiries : These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 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 XXXX XXXX, 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/XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX 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 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 XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

Our mortgage was sold by XXXX XXXX XXXX to Newrez LLC. XXXX  did not provide any information with regard to where to send our payment, or if we would be issued a new loan number. I did find an address online for Newrez and send them my monthly mortgage payment using my XXXX XXXX XXXX number. It was a month before I received a statement or any information from Newrez LLC. On the statement I noticed that the payment I had sent to their XXXXXXXX XXXX office was not credited to my account. I also became aware that {$980.00} overage was in my escrow account. I called Newrez and asked for an escrow audit and mentioned that according to RESPA, I should be due an overage refund. I was informed that Newrez would not complete an escrow review until XX/XX/2023 and that I would not be receiving my escrow overage until such time as that was completed.
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (NJ)

I received a bill from you on XX/XX/2022 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX. for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with patients authorization. 

Therefore my request is two fold -- Validation of debt and HIPPA authorization. Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address and accept this complaint as my formal debt validation request which I am allowed under the FDCPA. 

Please note withholding the information you received from any medical provider in an attempt to be XXXX complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with alleged debt.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED AND THE SUPPORTING DOCUMENTATION, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS ACCOUNTS TO REMOVE XXXX  : # XXXX {$260.00}
Consumer complaint received 2022-11-28
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. (FL)

The dispute involved XXXX ( charge under INT'L escrow ). Executed charge on same day with 2 different Chase cards ( XXXX and United Airlines ). Executed dispute notice on same day ( end of XXXX ). Sent both disputes the same info. After a few times going back and forth, finally on XX/XX/XXXX both credit cards reached a decision. XXXX said I did NOT have to pay, but United said I had to pay. After reopening United continued that I had to pay. Finally I sent copies of the 2 letters to United and their final response was that it is to late to do anything. I have come to the understanding that the same Chase dispute center handles ALL disputes. My question is : how can the same dispute, with the same info, etc. lead to opposite results?
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have a ( 2 ) checking accounts and 1 savings account with USAA. They consistently Make money by charging me NSF fees on the account ending in XXXX. On more than 5 occasions I have had the necessary amount if funds in my checking account only to have them to refuse to pay an ACH payment from an outside vendor. They justify this by allowing me to make a deposit and then when the ACH charge comes in they tell me that the funds are NOT posted. USAA not only charge me a {$29.00} fee but the merchant then charges returned payment fees. I feel like financial institutions should not benefit or capitalize off of the struggle of the consumers. I DONT dispute NSF charges when I make an error, but USAA is taking advantage. If they are doing this to other consumers I can estimate that the amount of money they are making from consumer struggles to be in the billions. USAA claims to cater to veterans and their families but they are taking advantage of those same veterans and their families.

There are a lot of times when I schedule ACH payments from outside vendors on the same day as my wife, and I have payroll deposits into the account.
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (NY)

This debt is from a remaining balance on an apartment I was forced to move out of because I was a victim of XXXX XXXXXXXX in XX/XX/XXXX, my lease was up in XX/XX/XXXX. XXXX parties remained in the apartment and later downgraded after I was long gone. They forged my signature/name on XXXX the documents the collections company is providing as " evidence. '' It is now XX/XX/XXXX I was informed of nothing until about a month ago over a year after I moved out. I have continuously tried to get this debt removed and explain the situation and I am being ignored. The debt company keeps sending me letters and saying I'm missing payments when I have never even spoke to them, they won't leave me alone. Furthermore, this debt was removed off my credit once, then put back on which is also wrong. 

I urge you to remove this debt immediately it is not mine, I can not be forced to pay for an apartment I was no longer living in. I'm currently not contacting the debt collector.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXXXXXX needs to be deleted immediately.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hello, You are trying to sue me over an account that isnt mine. I have called your lawyers to discuss the matter. They informed me they did not have a copy of the original agreement that was signed. I would like to see that since the paperwork said said the original creditor was XXXX XXXX XXXX  but the charges were done with XXXX XXXX. Im unsure which one it is with the papers that were given to me. I know I did not sign a payment agreement with you or XXXX XXXX XXXX. I would like to get this matter taken care of. 

Thank you
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX Reference # : XXXX Filed/Reported : XX/XX/2015.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

This letter is to inform Experian that they are breaking the law by reporting this bankruptcy on my credit report. XXXX. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. XXXX you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 
XXXX. Name of the person you contacted, business address, and telephone numbers so that I may follow up. 
XXXX. How did you contact the furnisher and verify my information? 
XXXX. What paperwork you used to verify my information? 
I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. 
Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (TX)

I need to report the XXXX XXXX XXXX XXXX  for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late but their records are incorrect. Ive contacted the company & requested verifiable proof and they have failed to provide any verifiable documents. They have failed to comply with FCRA section 611 & are willfully noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP OXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2022-11-28
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. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ), ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is deleted. 


XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}