davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: JPMORGAN CHASE & CO. (TX)

I have been working with XXXX XXXX, XXXX, and Chase Bank since XX/XX/XXXX, I had a check that was sent out to me in my name and was fraudulently cashed with clear evidence, no one is willing to help and XXXX was not assuring that the Student ( me ) is receiving the funds to pay off their student loan. XXXX had a check that was cashed into a XXXX XXXX  account which I DO NOT have and has known that. XXXX has refused to make sure that I get my funds to pay this off for over 8 months. This check was sent out in XXXX or XXXX XXXX  XXXX and I was NOT notified that this check was sent out so I had XXXX recollection of anything that had happened or that I even HAD a check sent out in my name. I was denied access of my school account prior to this check being sent out which is on fault of the school.
Consumer complaint received 2023-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (FL)

Ally Financial Inc claim to be a creditor to me. I have never had any contact with them in the past. never borrowed from them never received any money from them. they have used my entire TIN no account number in reporting a debt. I LEASED a car from GMAC, I was lead to believe I could purchase the car at the end of the lease. I was denied the purchase of the car due to a couple late payment. I had over mileage fees I payed as much as I could and just could not pay anymore. this amount was removed from my credit. It has been over 8 years since I communicated with the loan company not ally financial. The leased car was about 18 years ago. ALLY financial reported that I owed {$7600.00} I DID NOT OWE THEM ANY MONEY. I owed GMAC FINANCIAL NOT ALLY FINANCIAL.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Amount : XXXX. Date XX/XX/2023, Paypal billpay to XXXX Amount : XXXX Date XX/XX/2023, Paypal billpay to XXXX I VERY CLEARLY TEND TO PAY MY XXXX  WITH MY CREDIT CARD, NOT BANK CHECKING ACCOUNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

I SUBMIT THE PAYMENT WITH MY CREDIT CARD FIRST, AND ADD THE CHECKING ACCOUNT LATER, YOU STILL WITHDRAW FROM MY CHECKING ACCOUNT!!!!!! THIS HAPPEN TWICE AND PAYPAL NEVER RESOLVE THE PROBLEM!!! THEY MUST BE FINED FINED FINED HARD!!!!!
Consumer complaint received 2023-11-08
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. (PA)

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 U.S.C 1681 sunrise credit service XXXX Credit report transunion credit report. XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-02-20
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)

Recently decided to pull my credit report since trying to purchase a home and hired a monitoring service. I noticed addresses on my credit report that are not mine. I asked for the information to be corrected. I was then sent a noticed that my requested was not my own. I sent them my photo Identification and proof of address via a bank statement. 
My letter stated that this information is incorrect and should not be attached to my profile.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, America Service Company ( ASC ) which is owned by Wells Fargo Bank N/A stated that Wells Fargo in the investor of the loan dated XX/XX/XXXX, loan # XXXX. Now, per a letter that we received form ASC on XX/XX/XXXX, dated XX/XX/XXXX, ASC stated ; " resolution to the inquiry about account number XXXX, based on our research, we 've determined your account was handled appropriate and no adjustments are needed ''. ASC further stated " that we can confirm that your account originated in XXXX XXXX with XXXX. The loan was paid in full on XX/XX/XXXX ''. Now ; how can ASC/Wells Fargo state that our account was handled appropriately when XX/XX/XXXX, this note was paid off but ASC/Wells Fargo failed to reflect that this note was paid in full and that Wells Fargo is not the investor? ASC/Wells Fargo stated in a previous letter that they are the current investors of our loan when in fact, they are not the current investors. So, was ASC/Wells Fargo trying to commit fraud and collect payments on this loan when they are not the current investor?
Consumer complaint received 2024-03-13
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. (FL)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CO)

The only date I have is from Source Receivable MNG, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Dated XXXX. I have lived at my present location for almost two years. They are saying I owe XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX {$150.00}. 
I have no knowledge of this debt. I have nothing in writing. When I asked the collection agency for proof, they said I had to write them a letter requesting information. I find this hard to believe as if they had proof they would send it.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MA)

I was never informed that they are my new service provider and that i had a payment due but had to find out by noticing interest added to my loan on my credit burea. I thought i had XXXX. I have never heard of these people or knew i had a payment due last month and so i tried to sign in and of course i cant access my account and now have been on hold for over an hour trying to reach them. I am livid at this and have not had a late payment of my credit in over 5 years and come to find out i had payment due last month apparently. i have read all the complaints about them online from everyone else and i think i am in for a nightmare. I cant log on to make a payment and can not get them on the phone and i absolutely refuse to accept a late payment on my credit. this is ludicrous for a federal loan to be handled this way. unbelievable
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (AZ)

My account was sold from XXXX  XXXX to LVNV FUNDING LLC. LVNV has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have applied for a mortgage on the purchase of a new home. When our mortgage lender pulled, on XX/XX/2023, our credit every Credit Bureau reported except my Equifax reported. Even my wifes Equifax appeared. The mortgage lender contacted his credit company XXXX. The lender was initially informed that Equifax was reporting INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. The XXXX file number is XXXX. I am now almost {$500.00} in credit reports because of this issue and miss reporting. 

I am being informed that without that 3rd Credi Bureau XXXX XXXX and XXXX XXXX will not afford me financing and it will cost over {$12000.00} in additional fees. 

Prior to this application I have never contacted Equifax. Since this application has been initiated, I have spent over XXXX hours on the phone with Equifax or on hold for Equifax. I have confirmed my name, address SSA Number and forwarded them Government Identification. 
As recently as Thursday XXXX XXXX Equifax informed me the issue had been cleared on their end ( this is not the first time they indicated it was resolve ). The Lender waited until Monday XX/XX/2023 to re-pull the credit. Equifax will not coordinate with XXXX. Nothing had changed. 

Please, can you help me? 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (FL)

I am writing to formally complain about the handling of my request to block information pursuant to 15 USC 1681c-1, as allowed by the Fair Credit Reporting Act ( FCRA ). This complaint is in response to your denial of my request to block information related to identity theft, as detailed in your response dated XX/XX/. 

I have submitted multiple valid requests, which were supported by identity theft reports filed with FTC on XX/XX/. Additionally, I provided all necessary documentation to support my requests, including, but not limited to, a valid driver 's license, identity theft reports, proof of address ( bank and mortgage statements ), a copy of my consumer report, a copy of my Social Security card, and the required statement to request the block. 

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 In your response, you stated that my request was declined based on the following reasons : - My request to block was made in error. 
- My request to block information was based on a material misrepresentation. 
- I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. I assert that these denials are without merit and are in violation of the FCRA. I have demonstrated the validity of my identity theft claims and provided all necessary documentation to support my requests. The denial of these requests without proper investigation is a violation of my rights under the FCRA, including my rights to accurate reporting, the right to block information resulting from identity theft, and the right to dispute inaccurate information. 

As a result of these violations, I have suffered financial harm, emotional distress, and other damages. I am seeking resolution to this matter and a correction of my credit report in accordance with the FCRA. 

I kindly request that you conduct a thorough review of my case, reconsider my request to block the information related to identity theft, and take the necessary steps to correct my credit report. I also request a written response detailing the actions you intend to take in response to this complaint, All disclosure, and names, numbers and addresses of all individuals or entities spoken to validate and verify all information I expect your prompt attention to this matter and a timely resolution of the issues raised. If necessary, I am prepared to seek legal remedies to protect my rights under the FCRA. 

Also included are all documents provided with initial reports, responses from XXXX and XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-11
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023, I receive an email from CHASE thanking me for applying for a Chase Freedom Unlimited credit card. I also received an alert from XXXX notifying me that my credit file had been updated. I logged into my XXXX  account and noticed that JPMCB CARD SERVICES received a copy of my XXXX Credit Report. I have never applied for any Chase credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all three bureaus and asked them to submit a fraud alert. I called XXXX to dispute the hard pull on my credit and will also be calling XXXX and XXXX.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Credit card balance was paid off in full on XX/XX/XXXX but payment was due XX/XX/XXXX. Capital One then issued additional charges on XX/XX/XXXX on a {$0.00} stating that the amount due on the statement does not include the payoff amount. I asked if the the statement states that, the senior account rep said no. I then asked if there was some documentation which has that, and the senior account rep said he could send me the Terms and Condition in the mail. I agreed to look at the terms and conditions but I will have to pay interest while I wait for the Terms and Conditions in the mail.
Consumer complaint received 2023-07-31
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: Rent Recovery Solutions (TX)

My identity was used to lease an apartment at XXXX XXXX XXXX that was reported to my credit XX/XX/XXXX from an existing account from XX/XX/XXXX in the amount of {$5000.00}. I have contacted the property and they acknowledge that there was fraudulent activity and that in fact the person that leased the apartment was not me due to their lack of verification upon leasing the apartment. I have also reached out to the collection agency RENT RECOVERY SOLUTIONS and they also have acknowledge the fraudulent activity.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: E Z CASH OF DELAWARE, INC. (MD)

I paid this company far more than what I was expected. The employee told me that I would owe ( 9 ) payments of {$250.00} which equals {$2200.00}. I ended up paying this company close to {$4000.00} on {$1100.00} loan. The lady whom calculated my loan failed to take my payment using my new debit card and now shes penalizing me for her actions. This place is a total rip off. 

The place in question is called EZ Cash of XXXX. The address is XXXX XXXX XXXX. XXXX, Delaware. This place needs its doors shut because they prey on undeserving people and its not fair.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Below are inaccuracies that I would like to dispute and remove from my credit profile. 

Employment Information : XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX Phone Numbers : Please be advised that any phone number listed on my credit report, other than XXXX is inaccurate and does not correspond to my contact information. I request the immediate removal of any erroneously reported phone numbers that are not associated with the provided correct number. Please remove all other numbers other than the one listed here. 

Please update my current employment to " XXXX XXXX '' I request a comprehensive investigation into these inaccuracies and the subsequent removal of the disputed information from my credit report. I understand the importance of accurate reporting for maintaining the integrity of credit profiles, and I am committed to ensuring the correctness of my personal information. 

To facilitate the investigation I have attached supporting documentation that verifies the accurate details of my employment residence, and contact information. I kindly request that you promptly review this dispute and provide written documentation for the corrections made to my credit report I appreciate y our attention to this matter and anticipate a timely resolution. Please provide a written response with the statutory period, as per the Fair Credit Reporting Act, Confirming the removal of the inaccuracies from my credit report. Thank You for your prompt attention to this matter.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX 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 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (WI)

Mr. Cooper had deleted years of statements to hide errors. Attached Statement showing what is due in XXXX, this is one of the missing statements. When we see what is due for XXXX its gone up something like {$50000.00}?!?!? why? please explain
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-11
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: AMERICAN EXPRESS COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.