davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

My name is XXXX XXXX I lost my job due to covid back in XXXX and have been working with XXXX XXXX XXXX to be put on a temporary payment plan. I was approved for a trial period starting XXXX, XXXX and XXXX of XXXX to pay XXXX. I made the first payment for XXXX. I called on XX/XX/XXXX to make my next payment and was advised i was removed from the trial period due to non-payment. I spoke with a supervisor whom advised me she would be sending an email to the XXXX XXXX department for them to reinstate me due to payment was received. She then called me back on XXXX and advised me the request was approved and that she could go ahead and take my XXXX payment. I asked her is she was showing a payment for XXXX scheduled to draft from my account if so i need to pay the difference of the XXXX minus the XXXX because that payment will cause my account to overdraft, she then advised me there was no payment showing pending we then made the payment. On XX/XX/XXXX XXXX draft from account and XXXX was returned due to insufficient funds i called back the day i saw the payment return and i reprocessed the payment. I called today on XXXX to pay my mortgage for XXXX and was advised i was again removed from the trial period due to a payment being returned i requested to speak with a supervisor the rep refused and advised me to apply for other assistance. I'm just trying to be put back on the trial period and continue making my payments.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I received notice on XX/XX/XXXX from XXXX XXXX, through XXXX XXXX XXXX XXXX, that a credit card account had been opened fraudulently in my name. After further investigation, I discovered the account had already accrued a debt of around $ 1,600- {$1700.00}. I discovered that this purchase had taken place online and was picked up in XXXX, CA while I remained over a 2 hour drive away in my home in XXXX XXXX. I immediately took action and reported in good faith to their fraud services department and the FTC. I also called the XXXX XXXX where the pickup took place to report it, as well as freezing my credit. I was told on XX/XX/XXXX by XXXX XXXX XXXX XXXX that the investigation would be resolved by XX/XX/XXXX. I heard nothing until XX/XX/XXXX, when I started to receive debt collection calls & notices without any further information on the resolution of the fraud claim. Their company 's representatives have still not given me a definite answer on what was happening despite repeated attempts at clarification via phone : First, stating on XX/XX/XXXX via phone call that the investigation was still ongoing and then later claiming on XX/XX/XXXX via phone call that there was no notice of a fraud claim on the account. Meanwhile, they have continued to harass me with numerous phone calls ( 3 calls a day, 6 days a week ) without offering any resolution on this clearly fraudulent account through a card service I have never had a relationship with. I have also opened a new Identity Theft Claim with the FTC on XX/XX/XXXX as this matter has clearly not been resolved.
Consumer complaint received 2022-11-24
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-11-15
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: CORELOGIC INC (FL)

The organization will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, EQUIFAX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

Dear XXXX or XXXX ; Seeing your recent reporting on Credit Card Reward Issues, it brought to mind the slow walking of XXXX XXXX XXXX miles from a deceased family member. 

My father passed in early XXXX of this year. On XX/XX/year> I uploaded my father 's XXXX XXXX and received no response. In late XXXX I again uploaded my father XXXX XXXX and the XXXX XXXX paper naming me as Executor of my fathers Will. Without a response again I called today XXXX XXXX, XXXX and was told there is a 180 day ( XXXX months ) waiting period before the Credit miles can be issued. 

I am at a loss as to why this would take so long. Simply considering and comparing that it took only a month at the longest to settle life insurance, financial joint accounts, bank accounts, XXXX accounts with the same paperwork given ~ Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX XXXX claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to Experian, XXXX, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I requested 3 times from this company to send me information about this collection account on my credit, I have yet to receive anything back. 

I recently tried XX/XX/scrub>XXXX  to reach out for the final time.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

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 2023-06-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (VA)

my XXXX, XXXX credit report is reporting a student loan that was paid off by the dept of education /neln and needs to be removed from my credit report this loan was taken out in 2007 and went into forbearance and then was paid off by the department of education and other respaces available to me. 

please remove from my credit file.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to XXXX XXXX XXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with XXXX XXXX XXXX. This has caused me job loss due to negative and false information published by this debt collector, which made me suffeXXXX XXXX  and XXXX. This debt company negligence has caused me to seek medical attention.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/23 I paid the settlement agreement with creditor. However they entered wrong payment amount when taking payment over phone and short paid it by XXXX dollars which caused them to miss report for almost 10 months. After countless calls and hours of rude service and lies told to me of being unable to help me I finally got taking care off
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year>, {$1900.00} deposited into checking account. Verified with my savings company, the funds were distributed to Chase who had the funds " on hold ''. Multiple phone calls and in-person visits to Chase only to be told their organization can hold a customers check for up to 2 years or until the check is verified. Chase closed the checking account and stated they did not have to provide a detailed reason why they are not releasing the funds. Chase stated the phone number for my savings company did not match the number in their system. After the local manager verified my identity, and spoke with my savings company and obtained the contact info, Chase customer service still refused to provide any information or release the funds. Therefore, I have waited 2 years, still reside at the same residence, but no communication or return of the funds to me or my savings company. Every time I call chase they tell me they can not provide me with any information even when I request to speak with a supervisor. Chase stated the check was fraudulent, however, verified again with my savings company that serves the employees working for The State of California, was fraud. Verified with my XXXX XXXX who stated they are the State of California and have used the same company for XXXX and have never had any problems. Once again, 3 years have past and no check nor an explanation for not giving me the check back or releasing the funds.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in a personal credit card at XXXX XXXX  on XX/XX/XXXX, under account number XXXX, a auto loan at XXXX XXXX on XX/XX/XXXX, under account number XXXX, a collection account with XXXX, XXXX and XXXX on XX/XX/XXXX, under Account number XXXX, a credit card with XXXX XXXX XXXX  on XXXX XXXX XXXX under account number XXXX a loan with XXXX XXXX XXXX  on XX/XX/XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. XXXX XXXX amount {$140.00}. 

XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. XXXX XXXX amount {$4900.00}.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XXXX I started a lease with Chrysler Capital for 2 cars, each car has its own account online to make payments. I pay {$230.00} each month, and in XX/XX/XXXX, I had trouble signing into account # 1 to make the monthly payment, so to avoid a late fee I made a double payment of {$470.00} on account # 2In for both cars. Once I made the double payment I called Chrysler to explain why I made the double payment hoping they would transfer the {$230.00} to account # 1. Nobody answered the phone due to the pandemic, and therefore the issue was not resolved. When finally I was able to contact them I explained the issue to them and asked them to correct it, they said they will, but they did not do it. 
I contacted them again in XX/XX/XXXX and they told me that in order to solve the issue I had to submit a {$470.00} payment ; I made the payment on XX/XX/XXXX and I did wait. 
A few months later I came to know that the issue was not solved then I called them again and they told asked me to submit another {$470.00} payment and they promised that they will solve the issue. I did the payment on XX/XX/XXXX, A few months later I came to know that they did not fix the problem and they were charging me late fees {$32.00} every month then I continued calling, but they did not help me. I talked to agents, supervisors, and managers, but they did nothing about it. 
On XX/XX/XXXX I spoke with someone who wanted to help me and asked me to submit a {$230.00} extra payment to bring to current the account that was past due, I made the payment on XX/XX/XXXX, but they did not waive the full late fees amount. 
On XX/XX/XXXX when the lease was ending, I chose to buy both of the leases, when I went to the dealership, they told me that in order to buy the lease I had to pay the late fees which were over {$650.00} and the worst scenario was that I got a high-interest rate for the deal due to that issue which they never wanted to solve. I had to pay the late fees on XX/XX/XXXX so I have to be paying interest for the late fees too because late fees were added to the price of the car. Please help me.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear Experian, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts contain missing information.

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( Procedure in Case of Disputed Accuracy ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

2 ) Account Name : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.