davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (CA)

We received a notice of default and a letter to apply for a modification or assistance to help avoid foreclosure, and to avoid losing our home, from SLS, our servicer. We contacted the servicer and were told that they will email us a hardship application and to send it in immediately. We were told that once they received the documents the sale date would be postponed while the application was under review. 
We submitted the documents via email directly to SLS. The following day we contacted SLS to confirm that the application was complete. 
Our point of contact, XXXX, advised us that we did not need to send in any application or documents. Initially he said it was too late, we explained that the sale date is XXXX days away. He said he did not know anything about that. He then explained that no financials were needed. We asked about the review and what we were told, he said the other representative was wrong. We asked what is needed for a review to take place and he said nothing it will be reviewed. He provided no detail, no explanation, no process nothing. We asked why we were told we were not being reviewed for any assistance until the application was submitted, and why in the beginning of the call we were not being reviewed. We were given no explanation as to what was happening with the review or loan. We were told to contact an attorney. We asked for any details on the review, what documents are being reviewed if they do not want any information from us, including financials. We asked for any information regarding the steps or options. How do we know if it was really reviewed or if the review was correct or if there were any errors? 
Our home is days from a sale date, we are given no clear answers, misleading information and inconsistent information from different representatives, and in the mail from SLS. 
We have no idea what our options are, the representative suggested we wait until the day before the sale to see what happens, but that will leave us with no options.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

Hi I was a victim of fraud. I got frauded on XXXX XXXX. Someone that acted like Wells Fargo hacked into my account with out my permission. They acted like the bank with same number and codes they give you to make sure its you. They went into my credit cards and did a wire transfer without my permission. Not even the bank called. I called them and showed up at the branch.The amount was XXXX though my personal credit card and the other was XXXX though my business credit card. They access my credit cards got the money to my checking and then the thiefs wired it to there bank. I dont even know how if I had limits or how they do that.! Point being I filled a police report I have contacted Wells Fargo lots of timesss and have lots of case numbers and they dont fix the promblem. I am mentally drained and feel helpless the only reason I have been making minimum payments its because I dont want my credit to be affected. I have children I dont know what to do anymore thats why I am here I feel this has be so unfair. I did everything since it happen and been verrry patient.
Consumer complaint received 2024-03-23
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. (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 USC 1681. 


I sent letters to Experian, XXXX, and XXXX as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXX and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Jefferson Capital Systems for violating the following laws and regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to provide accurate information to credit reporting agencies 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to provide timely notice of debt validation rights to consumers 3. 12 CFR 1006.34 ( d ) - Failure to provide accurate information in debt collection communications 4. 15 USC 1681-S2 ( 7 ) ( A ) - Unlawful use of false or misleading representations in connection with debt collection I have experienced the following issues with Jefferson Capital Systems XXXX Jefferson Capital Systems reported inaccurate information to credit reporting agencies, which has negatively impacted my credit score. 
- Jefferson Capital Systems did not provide me with timely notice of my debt validation rights, as required by law. 
Jefferson Capital Systems provided me with false or misleading representations in communication regarding my debt. 

I have attempted to resolve these issues directly with Jefferson Capital Systems, but have not received a satisfactory resolution. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Jefferson Capital Systems complies with all applicable laws and regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called this company XX/XX/24 and I have disputed this information many times. The account is XX/XX/XXXX. That they refuse to remove. The account is old past 7 years. The dates and amt this company is reporting are all false and inaccurate. How can something still report as open when its been over 7 years. As the law states I have the right to have any inaccurate information disputed and deleted if any information reporting is incorrect. Please remove this account according to the law its been over 7 years. XX/XX/XXXX has also had many law suits filed against them for fraudulent activity.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It is 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-08-23
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. (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It is 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-08-23
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. (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It is 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP (GA)

I am writing to formally refile a complaint regarding serious inaccuracies present in my REPUBLIC FINANCE credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists. 
Background : I discovered discrepancies in my REPUBLIC FINANCE credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge REPUBLIC FINANCE to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2023-12-14
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: Avant Holding Company, Inc. (NJ)

I went online to see when a payment was due for my credit card that I hadnt used since XX/XX/2XXXX because I wanted to pay it off. I noticed several charges starting from XX/XX/. All of the charges were from XXXX XXXX and XXXX. Many were charged on the same day in the same stores but different locations. All of the charges totaled over {$600.00}. I reported the charges and a so called investigation was done and determined that the charges were mine. I appealed the decision and was emailed the same day within hours of my request that the decision was being upheld. I received no explanation of how this investigation was done or how the decision was made despite asking. Typically credit card companies recognize unusual spending habits and you are alerted. My car was dormant for seven months except for payments and suddenly its active and being used erratically at convenience stores. That in itself is a red flag. I have a personal loan with this same credit card company Avant. Payments are made every month on time. I am not getting any help from them. Once this is resolved, Im paying this card off and closing my account.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Imperial Finance Corp (NH)

Imperial finance corp. ( IF ) violated FDCPA by contacting company employees and engaging in abusive and harassing practices by making XXXX cell calls on XX/XX/XXXX to an employee while at work. Threated to contact everyone that is or was associated with the company in order to embarrass the company. The company sent a cease and desist letter to IF to stop contacting the company and employees on XX/XX/XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I cant view my credit profile on any platforms and I need to view them to look at my report. Im a victim of id theft and need to view its its been 4 months and I need to see my XXXX and equifax report!!!
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-05-06
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$380.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX ( I Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

i recently logged into my Experian credit file for to see a fraudulent XXXX XXXX account reporting a debt, i've made several attempts for an investigation from Experian, approx XXXX mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (GA)

Chime is reporting i owe {$44.00} that i do not owe i reached out twice was told someone would contact me in 24 hours no one contacted me i reached out again and was given general information about how to monitor my credit. I want them to correct the information on my credit as i owe them nothing
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My TransUnion report notified me that my previous mortgage lender showed me with a 30 day late payment as shown below. However, my account was paid current and never late and was actually being transferred to another lender three months after XXXX originated the loan with me. I was then sent a letter from the lender stating that I was protected from any late payments under Federal law for 60 days while the loan was being transferred on XX/XX/XXXX. I made my XXXX mortgage payment to FBC on time and their records will show the same. They then had to send that payment to the new lender since the new lender took over the account and was not showing a payment made to XXXX XX/XX/XXXX. XXXX then transferred my XXXX payment to them to get it current and for some reason they reported the payment as being 30 days late. 
Not only is this fraudulent, but they violated my Federal protection during the 60 day transfer window. I have contacted XXXX via phone XX/XX/XXXX and they said I have to wait 60 days for it to update. This is not acceptable and is fraudulent reporting on their behalf. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$0.00} per month, paid Monthly for 360 months Date Closed : XX/XX/XXXX Maximum Delinquency of 30 days in XX/XX/XXXX High Balance : High balance of {$560000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : TRANSFERRED TO ANOTHER LENDER Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2023-05-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I received a letter from Chase Bank stating they are closing my checking account. The reason given is " due to inappropriate conduct with our employees '' I did nothing wrong to cause this action and this unexpected action will create a serious financial and medical hardship to my wife and I if closed. I have been banking with Chase for over XXXX years and receive XXXX XXXX for both my wife and me along with a XXXX XXXX pension. My wife and I am both retired and this is my only source of income. My wife is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resulting my wife and me being unable to open another bank account anywhere.