davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

A complaint was submitted late last year regarding NewRez incorrectly reporting a missing payment in XX/XX/2023. XXXX XXXX replied and I sent a response on XX/XX/2023 to his email on the response letter. After a month, I did not receive a reply and called the number on the letter and left a voicemail. There was no response. This company is unresponsive and reports things incorrectly. They do not value the customer or care when something is done wrongfully. 

NewRez claims that they contacted us regarding late payments but we were never called. We submitted all payments on time and called the company when we did not see the payments debited. After doing a XXXX search, I see that this is a common practice as they have ruined numerous people 's financial records. Please investigate this company and their practices.
Consumer complaint received 2024-02-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AL)

On XX/XX/XXXX of XXXX we went to court over the matter of this debt. After going through all other cases the Judge asked us to come up since he didnt have a file for us that day. he pulled our case and let us know the case had been dismissed the week prior. In XXXX my fianc received a phone call from IQ DATA INC. stating there is an amount owed from XXXX XXXX XXXX XXXX XXXX and it needs to be paid at the point we let them know we went to court over this matter and the case was dismissed. They told us there were cleaning fees that needed to be paid. I let them know then that once again we went to court and it was dismissed. She then advised to send in proof of Court documents. i went and got certified copies from the city clerk and mailed them out to IQ DATA INC., and all three credit bureaus. The bureaus corresponded back with us to let us know they couldnt remove it until IQ DATA INC. did. After communicating with IQ DATA INC. a man there let us know that is wasn't getting taken off until they had received a payment i then reiterated that we did not owe this and it was settled in court. He then got very upset and rude so i ended the phone call. Fast forward to XXXX of XXXX i go to purchase a new vehicle and when my credit is run we find out that it has now been added as a collection to my credit as well. At this point im not sure what there is to do to get it off of my fianc and myself credit but, now we are in XXXX of XXXX and trying to by a house and because it still hasnt been taken off of either of our credit reports it is slowing down the process as you could imagine. The mortgage company advised that making a complaint with you guys might be our best option on getting this resolved. i have attached the dismissal as well as proof of funds from the State of Alabama that paid the rest of our lease.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : XXXX Account Number : Please verify the completeness and accuracy of this account : Account Name : XXXX Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely. 

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PatientFi, LLC (WI)

XXXX XXXX " PatientFi '' continues to call me almost daily and send text messages, emails claiming that we have a debt approximately $ XXXX. Whenever I try to call the number it asks me for my account number and I don't have an account number with them as I do not know how who they are. They then ask me for my social security number. I informed them that I will not provide this information but the debt they are claiming is unfamiliar to me and I have not received any sort of Collection Agency notice if this debt was truly mine and/or overdue.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

XX/XX/2024, I have Mutiple XXXXdollar transactions taken out by an app called " XXXX '' early in the morning while i was sleep. I have told chime that these transactions were unauthorized through the night. They said i must dispute the transactions when they are posted. Somebody had breached my account on my " XXXX account '' and XXXX  money out my account. I heard other customers with " Chime Bank '' have problems getting there disputes so I'm contacting agencies so there is no confusion. This is my first issue with the bank in two years.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (FL)

Documentation I requested under RESPA The Payment History, the Account Ledger showing 101 monthly payments of {$790.00} collected by servicer US Bank National from XX/XX/XXXX to XX/XX/XXXX, has not been provided to me yet. 
I am entitled to the information and the servicer will not give it to me. 
I have been asking US Bank for this information for 2 years now.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

A representative from National credit systems, XXXX XXXX contacted my husband regarding a rental debt dating from XXXX  at the XXXXXXXX XXXX XXXX XXXX. I tried to speak with this representative as his spouse, and the rep advised me she could not speak with me as this debt was only under XXXX XXXX, ( my husband ). She was very rude, disrespectful, talking over my husband etc but would not send any info validating the debt stating that the collections letter was sent to an address in which we did not live. We asked the rep to validate this info. She provided a website from her company where we can dispute the info and the info would be investigated. We sent the dispute info to the website provided but we never heard back from this agency, and saw that two weeks later this debt was placed under my husbands credit report. 
This same representative called again after the debt was on the credit to now speak with me and I asked her again to validate the debt. She offered a settlement amount but could not send me anything in writing to confirm the amount and the agreement. I asked her again to send this info to our current address so that we could review the debt and the settlement offer and the rep denied stating that she had this debt put on our credit and it would stay there until we pay her. 
If a letter of an agreement cant be sent to our mailing address, how do we know its real? and this offer sounds like extortion since she wants us to send her money with nothing in writing, no paperwork to validate if we truly owe this amount and no letter to confirm the settlement agreement. 
Today i received notice that this debt has been placed under my credit report as well. How is this possible when the rep advised me that this account was solely under XXXX XXXX?
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the XXXX XXXX has on this account number is incorrect I do not have any business with XXXX XXXX XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

XXXX, XXXX and Equifax are reporting fraudulent activity.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (TX)

Affirm ( the collector ) states on my credit report 3 times that on 3 occasions I owe a balance of the first for {$270.00} on XX/XX/2021, the second for {$390.00} on XX/XX/2021, and lastly {$160.00} on XX/XX/2021. These balances resulted in a negative impact on my credit score which is now inaccurate to report as so due to IRS meaning of a write off ( stating as ordinary income ) which is inaccurate for this instance it goes against 15usc 1681eb.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WV)

I took out loans as follows : On XX/XX/XXXX Original Amount ( 1 ) {$20000.00} ; on XX/XX/XXXX Original Amount ( 2 ) {$9400.00} ; on XX/XX/XXXX Original Amount ( 3 ) {$10000.00}. On XX/XX/XXXX the first three loans were consolidated at {$43000.00}. ( On XX/XX/XXXX Original Amount ( 4 ) {$3700.00} which was not consolidated ). 

Great Lakes then sold my loan to Nelnet with a starting balance of {$43000.00}. Nelnet received a discharge notice on XX/XX/XXXX of {$20000.00}. Nelnet then applied the discharged {$20000.00} to loan ( 1 ) {$20000.00} from XX/XX/XXXX which was in consolidated in the loan dated XX/XX/XXXX. They applied the {$20000.00} to a loan that does not exist. 

I have been calling for almost a year now. I get everything from blaming the Federal Student Loan agency to them just hanging up. They arent hanging up because of rudeness, they just dont know how to fix it or pretend not to know. Nelnet has been adding interesting for the past year on {$43000.00}. instead of {$23000.00}. 

Please see the attached PDF files showing my claims.
Consumer complaint received 2023-12-18
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. (IL)

To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX. XXXX XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I was charged for an autorenewal by XXXX XXXX, for XXXX. I was not provided with prior notification that they would be autorenewing the subscription prior to the charge and when I attempted to cancel on XX/XX/XXXX when I was notified by them that they were autorenewing. I had not used the service in over a month. I did not receive prior notification about the renewal via my text messages, email or in the XXXX app itself prior to the charge being made. 

On XX/XX/XXXX I contacted XXXX XXXX with XXXX customer support who refused to reverse the charge. 

On XX/XX/XXXX, I opened a dispute with Chase over the unauthorized transaction. Chase opted to consider it a valid charge in spire of FTC guidance that companies are required to send notices prior to charging customer cards. 

XXXX XXXX XXXXsubscriptions I received no benefit from the payment, nor did I authorize it. I would never have created the account had I been informed ahead of time that there would be no notice provided prior to a renewal in light of the company not providing partial credits for canceling prior to the end of the subscription.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

Target has been reporting charge offs to an account each month for over two years, Target is reporting two separate accounts when I only had one, Target has my account as open and closed, Target has my account as having no balance and having a balance. This has been happening since 2019. Last time I complained enough they " updated '' my information by means of switching the years in which my account has had monthly charge offs for years. Despite numerous attempts to rectify the situation, the persistence of fraudulent negative information violates my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AL)

I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX XXXXXXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service XXXX other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MA)

On XX/XX/2024 I attempted make an online purchase of XXXX XXXX in the amount of {$710.00} from a website named XXXX. I was directed from that website to the Affirm.com website to apply for a loan to pay for the product. I was subsequently denied the loan from Affirm, but began to receive a loan repayment bill from Affirm in the exact amount of the Lawnmower ( {$710.00} ) for a purchase from an online retailer named XXXX XXXX XXXX on XX/XX/2024. XXXX XXXX XXXX does not sell lawnmowers and does not accept Affirm as payment. I immediately called Affirm to report the fraud. On XXXX XXXX I received another email from Affirm advising that I was denied a loan and at the same time I am getting emails from Affirm reminding me that I have a payment due on a loan. On XX/XX/2024 Affirm sent an email and concluded that after their investigation, I am responsible to pay them for the fraudulent loan. I never pursued a loan from Affirm after being denied initially and have never attempted to make any purchases through Affirm and I have never received any merchandise from any retailer with regard to this fraud.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

Applied for a credit card with AMERICAN EXPRESS on two separate occasions recently and was denied based on " previous cancelled account ''. I have sent a rebuttal via certified mail to AMERICAN EXPRESS ' legal department along with the XXXX of Investor Relations, XXXX XXXX XXXX based on their decision. 

Credit card applications ( promissory note ) are traded, transferred and sold to third parties based on AMEXICAN EXPRESS ' prospectus. The application I submitted was for my benefit and is not a privilege that should be used unlawfully. SECURITIES FRAUD has been conducted and this is not acceptable nor will I be satisfied with any other resolution other than my request from the credit application being fully granted! 

I have attached the letter to this formal complaint to be expedited to the proper person and awaiting a response as soon as possible.
Consumer complaint received 2023-09-18
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. (TX)

Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.