davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On  XX/XX/XXXX , I received a statement from   XXXX   XXXX   XXXX   ( Contract # :  XXXX  ) stating they transferred {$87000.00} to a Chase Account in my name. This transfer was never authorized by me.
I went to a Chase branch in  XXXX , NY, on  XX/XX/XXXX . There I reported this fraud to   XXXX   XXXX  , a chase representative. He told me a Chase account ending in   XXXX    was opened at a different branch by someone claiming to be me. He did so without a social security number and some falsified identification.
Once the money was transferred into the bogus Chase account, it was then wired to a   XXXX   XXXX   account ( which I do not have ).
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I have also reported the theft to the   XXXX   County police department ( case # : XXXX  ). I spoke with Detective  XXXX , who told me he must have had the wrong number so he could n't contact me.
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I have contacted   XXXX   XXXX   since then, who told me to contact the Fraud department, which I did on  XX/XX/XXXX . I was told it was in their investigative department. They also asked me to fill out more forms, which I did.
I still have no answer from them on this. Considering I have several Chase Accounts, there was no cross checking done when this bogus account was opened.I was told also the person who opened this account was much younger than someone like myself who was born in  XXXX . I do n't feel that Chase did their due diligence, and I am due a refund of all moneys immediately.
Consumer complaint received 2017-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SUNTRUST BANKS, INC. (TN)

I 've learned while I was under wage earner, my identity have been stolen and is being abused. My personal information have been stolen. Drivers license, social security card. My date of birth changed with all   XXXX   credit agencies, my former employers have been changed from   XX/XX/XXXX - XX/XX/XXXX . All  of my former addresses have been changed.
While under  wage earner t he bank changed to Sun trust Bank. I never had a loan with sun trust. My payments were payroll deducted by my former employer   XXXX   XXXX   XXXX   XXXX  . I 've learned it is an inside job, the theft of my identity.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  . I filed a   XXXX   XXXX   law sue in   XX/XX/XXXX . The family began preparing my death without my knowledge. In  XX/XX/XXXX  I was gi ven a   XXXX   XXXX   of   XXXX   XXXX   in the doctors office. I was flown to  XXXX  by a private jet. Both parties expected for me to pass away. They were told by the doctor if I do n't have a   XXXX   XXXX   I would n't survive.   XXXX   XXXX   amended & restated all of my tax returns and made themselves my conservator. They took my home in   XX/XX/XXXX   by selling the first mortgage on my home. The family refinanced my 2nd mortgage and took my home while I was under  wage earner. I am  reporting to all of my creditors. The case number was   XXXX  . I was discharged on   XX/XX/XXXX   with   XXXX   XXXX  . My social security number is  XXXX . My credit report do n't show the last four digits Of The loan/account number. This is the reason I included my social security number. My drivers license number is  XXXX . I 've reported the theft of my drivers license to the department of motor vechile in the state on Tennessee. Nothing has been done. I 've changed my last name to my maiden name, which is  XXXX . I kept my married name to prevent losing history. My parents are deceased, my father   XXXX   XXXX   XXXX   passed away in   XX/XX/XXXX .  His social security number is still being used by the     XXXX   Family  . My mother name us   XXXX   XXXX   XXXX   she passed away in   XX/XX/XXXX .  The FBI told me it 's an inside job.
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I filed a complaint with this company previously. They responded by stating that they sent me information verifying my debt.To the contrary I received a bill that did not have an accurate physical address. This would have not given me the opportunity to reprocess my bill through insurance or dispute this bill before it was placed on my credit. In addition I sent debt validation letters via certified mail and I have not received a bill with the accurate address nor has this company provided a copy of my signature with the provider of service to release my medical information to you. Another account was also placed into collections by this company. I sent a validation to this company as well and have yet to received a response. It has been past 45 days for both certified letters.
Consumer complaint received 2017-07-17
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. (TX)

I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking my   XXXX   XXXX    Credit report  I discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMO Bank, N.A. (WI)

I was going to buy a car at   XXXX   XXXX   XXXX   XXXX   XXXX   Wisconsin. The finance  manager told  me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit  XXXX  times. I did not approve of this.
Consumer complaint received 2017-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is the second Cease and Desist letter that I have sent to Select Portfolio Services and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on  XXXX   XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by   XXXX   XXXX   XXXX   who is not a party to my Adjustable Rate Note and my Deed of Trust.
 XXXX 
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
 XXXX 
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
Consumer complaint received 2017-05-19
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. (CA)

There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  XXXX  ''
Consumer complaint received 2017-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc (OK)

On  XXXX , I received a voicemail from an Inspector  XXXX , his company name was not given, from  XXXX . The same day  my Mother who lives in a different city was also contacted by him, he gave her my name and said I had violated Federal law and he needed me to contact him. She was very c oncerned thinking I was in some kind of trouble and called me in a panic. I assured her I had not broken any laws but called the number he left to get some answers. He answered, " This is  XXXX  ''. I told him my Mom and I had received calls, he already knew who I was and asked for my Social Security number. I said I would not give that info to a stranger and why did he need it, he said, " ok, I 'll tell YOU what it is '' and recited it to me. He then told me what the call was in regards to and mocked me saying, " so you just had NO idea you had missed payments ''? I said I was not oblivious to my personal finances, but that the lender and I had worked solutions out before and I was not behind to the degree I had been before when things were handled civilly. He then said I was accused of hiding my car, which is completely untrue,  I drive it every day, everywhere. He said if it was n't in the drive with a " big fat bow on it '' then I was hiding  it. My car is in my garage, like most people. He said he had a network of people tracking me and my license plate, ready to take the car when I least expected it, and that all of a sudden, at any point, " it will just be gone ''. He said I owed {$1300.00}, which I have not confirmed but sounds high. I said I would like to contact my lender directly to discuss the matter since they are who I had been doing business with since early   XXXX  . He said they were done working with me, that option was gone and I either had to pay the full amount or give up the car. He finally gave me a couple contact numbers at  XXXX  an d said to call them " right now and do n't stop until they answer. '' I called and they had closed business for the day. I 'm completely terrified to leave my house and my Mother is unnerved still. I can provide the voicemail and a testimonial from her if needed, please let me know how I can help.
Consumer complaint received 2017-05-18
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. (NY)

Equifax has reported that a  XXXX  credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over  XXXX  points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each.  XXXX  has updated and correct information on my credit credit report if they would like to compare.
Consumer complaint received 2017-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   XXXX  's requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY pu blic records to the credit bureau. So this makes  2 letters back with 2 different stories about how they allegedly verified this   information of which both are inaccurate. On  XXXX   XXXX , I called the Experian credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY cre dit file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  XXXX  time. I will also be sending copies of this to the BBB and the Attorney General for review.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I received my welcome letter from Shellpoint, my new mortgage servicer, stating that " we 're concerned about your recently missed mortgage payments and want to offer our assistance in case you are unable to catch up ''. " This information may be reflected in your credit report ''.
I had never missed a payment with  XXXX , since  XX/XX/XXXX  when the loan modification began. I just completed bankruptcy the month prior to receiving Shellpoints letter, in XX/XX/XXXX . The trustee of my bankruptcy did an audit, so that I knew I was not behind on any payments and all my debt was paid off, when my bankruptcy was discharged,  XX/XX/XXXX . When I called Shellpoint, they told me I was {$11000.00} in arrears, and I could be put on a payment plan. They said I could not refi because I just came out of bankruptcy. They wanted a copy of my loan modification. I sent email with attached loan modification, showing my loan was on 40 year fixed rate of {$1500.00} a month until  XXXX . Shellpoint set up conference call with me but nobody called back, so I 'm not sure what is happening After I read peoples experiences with Shellpoint on  XXXX , I am very concerned about my new mortgage company and do not want to do business with them. I sent email to my previous mortgage service company and requested a payment history to see what is going on, since late payments are not showing up on my credit report.
I have attached documents supporting conversations between myself and Shellpoint
Consumer complaint received 2017-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (IL)

A  XXXX  Scammer from   XXXX   mailed me a counterfeit check which I deposited into the Chase bank on   XXXX   XXXX   XXXX   in  XXXX , IL. Chase then closed this account and sent it to collections. I sent chase a check to pay this off recently to   XXXX   XXXX   and have offered them other methods to pay off the debt and bring an account with my name on it into the positive and they refuse to. Why is everyone giving me a hard time? Either by scamming me or not accepting my forms of payment? Why dont the scams in our media i.e. ( internet, mail, tv, and e-mail etc.. stop? ) I do n't want to harass Chase bank I want to have legit money because what can you do in this world with no money? Right?
Consumer complaint received 2018-07-17
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. (CA)

I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor MEDICAL XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$10000.00}, Original Creditor MEDICAL XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3200.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2700.00}, Original Creditor MEDICAL ), XXXX XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$390.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$600.00}, Original Creditor MEDICAL ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I was in an Income-Based Repayment Plan with Navient and opted to overpay for multiple  months. I was removed from the Income-Based Repayment Plan for " paying '' myself " out of the plan. '' This was never mentioned  to me as a possibility or a negative of overpaying what was owed each month. I only discovered this was the case because I received a startling high bill and called in to see why my bill had jumped to over $  XXXX . When I asked for an explanation I was told I could possibly be put back into the Income-Based Repayment Plan ( I still had 6 months left without having to re-apply ) and they would make a note on my account. I am still trying to figure out how to allocate my overpayments to the principal. According to their website and the woman I spoke with on the phone, the only way to do this is to mail a physical check and each time, include a payment plan/schedule. Their sample payment plans are unduly confusing and I can not figure out how I would even set  one up with a physical payment. It is misleading and unnecessarily confusing that you can not allocate how your overpayments are applied online. To force a customer to do this manually EACH time, AND only if you 're paying with a physical check, is concerning. I doubt most people under the age of 40 us e physical checks to pay their bills. For instance, my main checking account is solely online and I would n't be able to include a piece of paper if I order a check through them to go to my student loans (   XXXX   XXXX    ). This  is really frustrating as I 'm trying my best to actually pay off my loans.
Consumer complaint received 2017-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC (KS)

In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with  XXXX . I discovered the theft in  XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (  XXXX  ). I immediately contacted   XXXX   XXXX   XXXX   and  XXXX  and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the   XXXX   credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called  XXXX  to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the  XXXX  card. The thief transfer funds from   XXXX   twice. When I spoke to  XXXX , they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX   completed their investigation and found the account was a case of Identity theft and released me of the debt. However,  XXXX  declined my case and continued to harass me and my family. I submitted another letter to  XXXX  along with a copy of the release letter from   XXXX   XXXX   XXXX  .  XXXX  did not response to my letter, but submitted my case/debt to Northstar Location Service, LCC ( a debt collector ). Now I am getting harassed by Northstar. I have discussed the issues with   XXXX    multiple times over the phone, submitted multiple reports, and bank documents.   XXXX   continues to seek funds for an account I did not open.