davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

My personal information was breached in 2015 and has resulted in it being posted on the XXXX XXXX XXXX XXXX List. Several credit cards were taken out in my name with XXXX XXXX XXXX and XXXX XXXX XXXX. I have contacted the original and current debt owners ( Portfolio Recovery ), ( XXXX XXXX XXXX ) and reported it as fraud but they refuse to remove from my credit report and keep selling the debt to new creditors.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (MO)

I have repeatedly asked Experian to provide me with the specific method they used to investigate my dispute with the Bankruptcy Court in the XXXX XXXX of Florida. Instead of providing the information that I have asked for, they keep sending me a postcard with generic information about how they investigate a dispute. Most recently I have sent them a certified letter which was signed for on XX/XX/2020, which resulted with me getting an email with the same generic information that is on the postcards. I am attaching the letters I have sent and the copiers on the post cards. As you can see, I asked for very specific information and in return got a generic postcard and email. I am attaching a copy of the entry on my credit report, because the generic postcard tells me to go to my credit report to determine where the information came from. " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' does not give me the name and phone number of the contributor. " US BKPT CT FL XXXX  '', implies that the government agency that Experian got the information from was the court. I have attached a letter that I received from the Court that says they do not provide any information to the credit bureau. 

The credit bureaus have been allowed to set their own rules and provide, or not provide whatever information they determine they want to provide. I fear we have created a monster that can not or will not be told what to do. They are required by law to provide specific information regarding who they talked to. Specific information that I spelled out in my request in not a preprinted postcard. By ignoring my requests Experian is giving the impression that they are hiding something. Perhaps it is as though all along, they did not verify the bankruptcy with anyone.
Consumer complaint received 2020-08-26
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: CITIBANK, N.A. (NJ)

I love my citi card but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.
Consumer complaint received 2020-08-28
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. (NV)

My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

A debt validation letter was sent to MIDLAND FUNDING LLC on XX/XX/XXXX requesting a verification of debt owed. A response was received XX/XX/XXXX stating that they were opening a investigation into the matter and that it could take up to 90 days to resolve this issue. An investigation was never requested from MIDLAND FUNDING LLC, but only to send the proper paperwork proving that the debt in question is valid within 14 days of them receiving the debt validation letter, which they did not send to me in the allotted time. Also The Original creditor was XXXX XXXX   XXXX XXXX XXXX XXXX, and then you bought this loan from them, after it was charged off according to your paperwork on XXXX. If there is anything signed by me it is a illegal contract which you didn't disclose to me that my wet ink signature paid the loan in full that you bought from XXXX XXXX XXXX XXXX XXXX and that you are trying to gain a 200- 300 % profit off of my signature making the any contract if any null and void from the beginning. I never received goods or services from MIDLAND FUNDING LLC only from XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-06-16
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. (CA)

A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to XXXXXXXX XXXX. An invistagation was suppose to be made but was not and they sold the debt to portfolio recovery. When i was contacted by portfolio recovery debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I have tried to open up  XXXX  accounts at  XXXX  different banks.I wa s denied by chex systems.I do n't have any delinquent bank account reporting to the chex systems.They ar e discriminating against my personal life.I should be able to open as many bank account as I want.Along as I am in Good standing with those banks and is responsible financially to manage those accounts.I will be filing a  XXXX   XXXX  dollar federal class action lawsuit against chex systems for reporting inaccurate incorrect and inaduaqute items to those who have an positive banking  history.This is also causing me emotional distress and I am sure it is causing others emotion distress too.Chex systems incorrect inquiries on my credit report.Why am I and others being penalized for dum stuff.If no one is delinquent  or have an bad credit history banks.Then that should n't matter.What should matter is that person has a positive banking history.  <P/> Here the key factors   for on the report saying I could n't open an account.
-Time since non DDA -Inquiries Activity-I should have a right to open as many accounts as I want.
-Non Evidence of Asset Ownership.Why are they focus on my asset.This is a form of discrimination.
-Non DDA Inquiries or Retail Item History.
-DDA History.
<P/>
Why is this stopping me from opening up an account ... This is does n't say I am of risk to any banks.I am requesting a full investigation.I am requesting these item  s on my report be removed asap.They are not an reflection of my life and business.
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stern & Stern. P.C. (NY)

X/XX/17   The  Honorable Consum er Financial Protection Bureau, Please be advised that the joint tort feasors of  STERN & STERN   XXXX   XXXX   XXXX  .,  XXXX , N.Y.  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , N.Y.  XXXX and the CIVIL   COURT OF THE   XXXX   XXXX   XXXX   XXXX    1  XXXX   XXXX   XXXX   XXXX  , N.Y.   XXXX    have has and is refusing to follow Federal law as well as private international l aw effectin g two consumers as trust res and one being a minor.     STERN & STERN and  its principal was notified and warned no less tha n three tim es of false debt collection and fraud by deceptive practices under  color  of law by notary presentments and invoiced for trespass, libel, slander etc.    STERN & STERN did s tart a false claim ( index #  XXXX   XXXX  ) against the TRUST name and D/B/A/  XXXX   V.  XXXX  a consumer and  religious trust not for commercial profit.     XXXX  V.  XXXX  or  XXXX ,   XXXX   XXXX  . as the consumer  defined did counter claim and try to remove to proper venue for remedy.   This Removal attempt was denied by  color  of law and with want of equity. It has caused a larger and/or additional tort.   A Rebuttal and denial was sent to your    XXXX   XXXX   XXXX   address recently FYI. You can merge with this complaint only if it helps.   <P/><P/><P/>    XXXX   XXXX   XXXX  . 32 15 U.S.C. 1692c ( d ) Attorney in factum All rights res erved
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

My original email for my account became unusable. 
So I could not get into my Venmo, transfer money or change my password. 
I sent their customer service a request. 
They have asked me for my ID with my picture. 
I sent my driver 's license with my picture and my passport with my picture. 
They still have not changed my primary email and I do not have access to about {$9000.00} to {$10000.00} which I need for a trip. 
I want to send the money to my XXXX XXXX XXXX account as I don't really need or want Venmo anymore The customer service is terrible. 
I hope you can change my primary email to XXXX and resolve the situation. 
Thank you.
Consumer complaint received 2017-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This is my third complaint submitted I am requesting my original note and all documentation from  XXXX   XXXX   XXXX  and  XXXX   XXXX  because on my current modification the amount placed on the back end do not match my accounting records.   I sent in a writing request on  XXXX   XXXX , I called  10 times e ach time they say they can not find my paperwork. I then submitted complaints and the company on  XXXX   XXXX  sent me a copy of my current modification. That is not what my complaint is asking for I would like to review original documentation and current modification to show them that there calculation are off.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

It's the 3 credit bureaus especially trans union I request my consumer report about 2 years ago I never received it so last week XX/XX/2020 I get a card in the mail saying I have 7 inquiries on my report I haven't required about anything so I responded on the back of the card I have a credit freeze on the 3 bureaus but when I try to call in to any of them they say they can't help me at this time and hang up. The begining of XXXX I tried to get a credit card online went on the website to release my freeze they replied not at this time so I can't talk to anyone on the phone or online so I'm wondering is someone using my information and I asked them to please use my whole name and they won't I have no trouble online with XXXX  XXXX  I can communicate online with them but to call they give me a run around they need face recognition
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

My chase auto finance account ( XXXX ) is showing 30 days past due in XXXX. This account was on a deferral due to COVID with a payment not due until XX/XX/2020 as stated in the attached letter. I submitted a payment on XX/XX/2020 to satisfy that agreement. Chase had added a 30 day past due to all three credit bureaus for the month XXXX.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I Refinanced my home in XX/XX/2020 and I obtained a loan through USBANK ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2020 I called USBANK to notify them that I had paid my insurance out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. USBANK required me to send in an email with all the verification to show. I did so on XX/XX/2020 and USBANK responded verifying that they received the email. In the email, they stated that they would review and correct the issue. I even sent a Certified mail request on XX/XX/2020 just as backup to my email.Since then I have called several times and spent hours on the phone with them trying to get USBNAK to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 60 days since my request in writing and 61 Business days since. I  would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. Thank you, XXXX XXXX XXXX XXXX USBANK ( LOAN # XXXX )
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am in the process of repairing and cleaning up my credit. I requested validation/verification from Experian, XXXX & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; XXXXXXXX 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 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (IL)

To whom it may concern : American Express is reporting an alleged account with a balance of {$5800.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Consumer complaint received 2017-06-15
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. (TX)

I 've called several times and tried on several occasions to submit a dispute online and phone. I never received a confirmation number for my online request. When I called on  XXXX -17, the representative said their is no record of my online complaint there is only a disputed letter from a credit repair company I 'm no longer associated with as of  XXXX -17. My dispute is different from what the credit repair company submitted and it involves  XXXX  accounts which I am not the authorized user. My father and Stepmother have spoke to the credit card companies to ensure my name is not listed as an authorized user and in each case both companies confirmed I am not an authorized user. The confusion comes from me and my dad sharing the same name. The other  XXXX  credit bureaus are reporting this correctly. This is company is not helping me remove these  XXXX  accounts. I spoke to a representative who took my phone dispute and she never provided me a conformation number or she stated I would receive it via email. I 've yet to receive it. I check online, my request is not found. I need help. The  XXXX  accounts in question are  XXXX  ending in  XXXX  and  XXXX  beginning with  XXXX .
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

I received an email from Chase about a bill, thinking my credit was affected by that breach from the credit bureau. I ran my free annual credit report and saw Chase on there for {$95.00}. I have the card, but had paid it off and not used in over 2 years. I called Chase, and they explained it was for an annual fee ( I had never been charged a fee ever ). I explained to the representative that I do n't pay fees, have n't used card in years and wipe it out and close account. He said he could not waive the fee. I asked why, and was given some explanation that made no sense. I had just received the email about a statement and was telling him to close the account. He said he could close account but not waive fee. I then got angry and told him if not closing account and I have to pay the fee, leave it open. I paid the bill immediately as not wanting to affect my credit. But, the more I thought about it, this was not right. I have great credit and do not use credit cards with annual fees. I do n't know if they did this because I have n't used the card? I do n't know why they just did n't close it for inactivity, but instead charged fee?? 
CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX card ends XXXX