davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit 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: DISCOVER BANK (FL)

I disputed multiple transactions stemming from an issue with a local gym in XX/XX/2023. Because of the issue, my credit card number was changed and I was provided a new card. After numerous weeks of review on the disputed transactions, I received XXXX letters ( XXXX dated XX/XX/2023, the other dated XX/XX/2023 ) from Discover stating that XXXX of the disputed transactions were credited back by the merchant and that the temporary credit would be replaced with a permanent credit. Please see attached letters. 
These credits were never applied to my account. I have attempted for weeks to get this situation fixed and all I get is hours on the phone being transferred from Billing, Fraud, Resolutions back to Fraud and then back to billing. I have several recorded calls proving my attempts to get this corrected. On call in particular was the most concerning. On XX/XX/2023 I spoke with several people : XXXX in Billing ( XXXX ) who transferred me to XXXX in Fraud then over to XXXX XXXX XXXX? ) them over to someone else and finally on to XXXX in resolutions. I recorded this conversation and XXXX clearly stated that the credits were on the old account and just needed to be moved to the new account. He stated that XXXX had to do this and he put me on hold while he contacted their department to do this. He came back several minutes later and told me that the XXXX department refused to transfer the credits. Flat out refused to do so. He told me he understood how frustrating it is but that it had to be escalated to XXXX. The same team refusing to help. Its concerning g that a merchant credit can be stolen by a credit card company and pocketed rather than being applied to the account the merchant was refunding. I find it to be theft. How can a credit card company make you replace your card and account number and then refuse to apply credits that hit the old account? They had no issue transferring over the balance but are simply refusing to transfer credits that they supplied to me in writing tied to transactions i the old account.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Payment attempted to Aidvantage on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Each time payment was reversed. I resubmitted my bank account information and tried submitting again, but still the payment is reversed. Unable to get in contact with the company. I tried to contact them through email on XX/XX/2023, and they have not replied. Now they are saying I missed my payment, without any notification. The only emails I received from them during this periods were confirmations that my payment had posted. There were no communications about reversed payment.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (GA)

I called the money card from XXXX money card and complained about how I had been scammed out of {$2500.00} and gave them the account number and routing number to the account of the scammer and transaction details. And they and regions bank would not reverse my money back.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NJ)

USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report.

All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (AK)

I have been living in XXXX since XX/XX/2022. There is no way i lived t this property. this property is near a college campus and they prey on XXXX XXXXXXXX XXXX. I lived in XXXXXXXX XXXX for years. I lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I lived with my ex girlfriend and we broke up. Ican only assume her or her and her twin sister together stole my identity. we had lived together for years so i can only imigine we shared even XXXX accoints for streaming. somehow they got to rent an apt in my name i have will file a police report. i have been living in alalska and have not returned to the lower XXXX this property mangement company is racking up debt on me that does not belive to me i m contact your office for help
Consumer complaint received 2023-12-26
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (PA)

I placed an order on XXXX XXXX XXXX website, because I had a {$10.00} reward certificate to use for my birthday. I spoke with representatives on chat but they wouldn't use the reward certificate, and said it would only be credited once the order was received. I received the order and STILL can't get them to use the {$10.00} credit and apply it correctly. This is an ONGOING problem with XXXX XXXX XXXX. After learning that they wouldn't apply the {$10.00} to the order I immediately asked to cancel the order and they wouldn't do that either literally within less than XXXX minutes of placing the order. They are scamming consumers and are fraudulent. Please do something with this company or shut them DOWN!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$XXXX} XX/XX/XXXX CAF XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$XXXX} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (MI)

I've been having trouble accessing the website and I have also been calling on the phone for several days and the automated system keeps saying that phone representatives are not available. I tried to set up an automatic payment on the same phone system and it immediately disconnected. 

When I was able to get access to the online system after several tries, there was no record of my having sent a payment for XXXX the XXXX, and I did send it and I have proof that the payment came out of my checking account. 

Also, somehow they lost all of my checking account information in the online system and I'm not sure if that has something to do with it.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have asked Nationstar for assistance for a few months now and they have agreed to help me. Unfortunately my health has been deteriorating rapidly due to the amount of stress I have been under. This made it very difficult for me to get the required documents together in the time provided. All of this stemmed from my wife 's poor health as she was diagnosed with XXXX and subsequently the XXXX of her XXXX XXXX. For me this placed me in a very bad situation as I suffered a XXXX which XXXX and took over XXXX. All this not being enough the mounting medical bills and depleting money reserves placed me further and further back on my financial obligations. Now as I regain my XXXX I find that Nationstar has opted to sell my home on XXXX XXXX 2016. I have tried to speak to my assigned representative with Nationstar XXXX XXXX to get the assistance I need but I fear that I 'm too late. This did not happen intentionally as I do have proof of what has happed to me and my wife by medical records and bills. At this point I have tried everything within my power to maintain my home and I 'm now in the hands of Nationstar 's trustee XXXX to keep my home that I have worked so very hard to get. I have lived in my home for 18 years and have never had a problem or delinquency on my mortgage but now that I face losing my home I feel as I have no option. I was advised to contact your institution to see if there is at least a small hope of an opportunity to get back on track and retain my home. I 'm a good member of my community and have always been responsible for all my financial obligations. Please speak to Nationstar to give me the opportunity that I need to retain my home and get back on track with them.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

Good Morning, and thank you for reading my email. I recently checked my credit report while contemplating applying for a business credit card, and it was brought to my attention that there was a hard inquiry from an institution called " One Main Financial '' dated XX/XX/2023. 
As I recall at the time, I was thinking of applying for a small personal loan through my Credit Karma account, however I never actually went through with an official application due to the potential ramifications on my overall credit. For some reason now, I am finding myself with a hard inquiry on my credit report which is limiting my borrowing ability as a small business medical practice owner. 
Here is the information from One Main Financial as listed on my XXXX XXXX account : ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

XXXX loan was charged off by original lender years ago. XXXX funding acquired a XXXX XXXX account this year and included the other account at their own will. XXXX XXXX XXXX did not sell this loan to them they assumed this account on there own predatory practices. They have not produced any original paperwork and have ceased sending notices and calling about those debt. This loan was open in XXXX charged off by XXXX. XXXX was not aware that they assumed this debt.
Consumer complaint received 2023-12-04
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. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My account was transferred to a new servicer in XXXX. From XXXX XXXX to SPS. I did not find out about this until XXXX as I was about to make my payment in early XXXX. I wasn't given enough notice but I still made my payment. I then began receiving information about my escrow account- they sent me a check for over {$500.00} as a refund then put a stop payment on the check. When I called to inquire, they said they need to do a full escrow assessment at the beginning of the year. I received a notification today that I had a letter in my account. When I opened the account, I saw that the numbers were off for my escrow and that they now issued me a check for over XXXX. Now that it is mid XXXX, I am realizing that although my transfer officially happened in XXXX, the new company ( SPS- Select Portfolio Servicing ) did not pay my semi annual property bill. I see that I am accruing late fee interest on the account and I do not have extra money to address the increased fees. It should be illegal for mortgage companies to sell off accounts during certain times of the year, especially as I was not told about this move until very late. They also did not do their due diligence when preparing to hold my new mortgage. There has been so many errors that I do not understand how it has not reached criminal levels. Now I am left trying to figure out why they have not paid my property tax that was due XX/XX/XXXX and why are they not responsible for paying the late fee?
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-01-24
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. (IL)

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-29
Product: Credit reporting 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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-06-19
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. (IN)

Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.
Consumer complaint received 2023-05-22
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX