davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (GA)

This company is destroying my credit. I've paid off my debt early and closed account. My credit score was XXXX and now XXXX within a few months. This company is now continuing to send me many offers in which I've declined. I've never had this happen in my entire adult life. Credit being destroyed for paying off early and a " No payment due '' every due date of payment. Employment information is very outdated and incorrect. I'm retired now and being punished for this company 's horrific work ethics. Sad, sad, sad. Thirty years behind on my current employment, home ownership. I've never very been late on any of my bills, loans, credit payments, etc.in my entire adult life.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc. (AZ)

on XX/XX/2019 a representative from Simm Associates called my cell phone number which my mom answered. Representative with the name of XXXX asked for me then my mother asked him to never call the number again, informed that we have requested him to never call the number before and he continues to call. Representative then started saying " pay this bill, pay this bill and I wont call you '' my mother then asked what bill and she mentioned to him that she didn't owe a bill because she wasn't me. Representative never properly identify he was speaking with right party, he released personal and confidential information to my mother.
Consumer complaint received 2024-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MA)

I have been attempting to obtain a modification with PHH Mortgage for over XXXX years now. After being denied several times because they didnt have all the paperwork ( which was unspecified ), I eventually was approved. All the paperwork was signed and notarized and I paid the agreed upon amount for 3 months and the 4th months payment was returned. They revoked the modification secondary to not having all the paperwork. I applied again and was once again given a modification at a much higher interest rate. Paperwork was signed and notarized and I once again paid for the upcoming month. I then received a letter stating the modification was revoked due to my property being vacant ( my home is my primary and only residence ). When I proved this to them I received another letter stating that the paperwork wasnt received in time. 
I am now weeks away from PHH starting foreclosure proceedings. I have been in my home for over 25 years. I have made all attempts possible with this company to rectify this situation ( when they werent hanging up on me ), as I am not someone who doesnt pay their bills. Now I find myself hundreds of thousands in debt, soon to be homeless, and my credit shot, making me unable to obtain another mortgage or to even rent at this point.
Consumer complaint received 2024-03-21
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. (TX)

I have repeatedly sent disputes to XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30 days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

The wire was sent on XX/XX/XXXX for XXXX , XXXX returned it the same day. We called multiple times on XX/XX/XXXX and no payment had been posted. Today is XX/XX/XXXX and there is no posting.
Consumer complaint received 2023-12-26
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: American Credit Acceptance, LLC (TN)

I need these inaccurate accounts to be removed ASAP 1. Late payment from AMERICAN CREDIT ACCEPTANCE Date of Late Payment : XX/XX/XXXX 2. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX 3. Hard Inquiry from XXXXXXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX 4. Hard Inquiry from XXXX XXXXXXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX Thanks,
Consumer complaint received 2023-11-17
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. (SC)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-04-13
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: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX BRCLYOLDNAVY XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (VA)

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but XXXX and XXXX have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and XXXX and XXXX must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TX XXXX AR 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 TEXAS XXXX XXXX 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 XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, my wallet was lost with my credit cards, ID and other personal information inside of it. I was not aware my wallet was gone until the next day when I noticed fraudulent charges on my card. I immediately contacted my bank to report the card stolen and the charges as fraudulent. They were very helpful at first and told me outright I would not be responsible for any charges that were made on the card that I did not approve of. There were 4 charges in total that I reported as fraudulent. The issue I am having now is they are refusing to credit one of the charges back to me. The information for this charge is below : Merchant Name : XXXX XXXX Amount ; {$710.00} Date of Transaction : XX/XX/ Reason : You received a benefit from this Transaction I received a letter from Chase on XX/XX/XXXX that I was not responsible for the charges made on the evening of XX/XX/XXXX when my card was first lost, but that I would be responsible for this charge of {$710.00} on XX/XX/XXXX. I have XXXX this company and it is not even located in America, it is located in XXXX XXXX, a place I have never traveled to. This letter was sent to me late on Friday evening and conveniently my banks ' fraud department was closed over the weekend. On the morning of XX/XX/XXXX, I contacted my bank to understand why I am being told I am responsible for this charge. I spoke with representative XXXX, and asked her to explain this reasoning to me. She said she was not sure because the receipt she has from the transaction is in XXXX. She could not provide to me any information on what " benefit '' I received from this transaction, or what the purchase was even for. She could not even read the receipt to me because it was all in XXXX. She also could not explain to me why they agree that my card was lost on the XXXX but I am being told to pay for charges on the XXXX. In addition to filing this complaint, I have provided Chase with my work schedule showing I was in the country on XX/XX/XXXX and XXXX, and that I was never in XXXX, XXXX. I have also uploaded my work schedule below. I have also filed a police report for fraud with my local precinct and plan to file a complaint with the FDIC as well.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (CO)

My name is XXXX XXXX XXXX  XXXX owner XXXX XXXX XXXX. XXXX  XXXX CO XXXX.First foreclosure star on XX/XX/XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as declarant not a Home owner Association by XXXX XXXX. ( not exist since 2001 years XXXX XXXX XXXX XXXX ). Not HOA license. Court case XXXX forclosure sale XXXX XXXX on XX/XX/XXXX. Accelerated foreclosure dismiss action court case by XXXX XXXX and withdraw on XX/XX/XXXX I paid {$8900.00} aprox. for HOA no lic. exist. and Mortgage PHH Collection agency XXXX XXXX. my payments was not posted in my account while I was XXXX XXXX XXXX XXXX XXXXXXXX XXXX never are getting out of XXXX XXXX and CA years ago. XXXX foreclosure posted before XXXX moths of last XX/XX/XXXX While payment mortgage not placed in account I believe erroneous until now during whole XXXX. Placing XXXX case XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ever inform reacquire loan paid complete and accelerated foreclosure all in violation laws rule1, 11, 12 ( b ) 2 and others of XXXX Iget denied all rights.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts where I have consistently maintained a timely payment record, yet they are being reported as late.
Consumer complaint received 2023-05-10
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. (NC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-10
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. (AR)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate and neeeds to remove : XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (CA)

XXXX XXXX, XXXX my spouse and I purchased a sectional couch for the amount of {$1100.00} with XXXX XXXX XXXX XXXX through the financing company called Acima. A woman representative from XXXX XXXX, who assisted our purchase required us to make a cash deposit to initiate the purchase. The cash deposit we put down was {$300.00} and the amount was never reported to the credit agency ( Acima ). Once I realized this, I requested to close the account because the costs were too expensive and I no longer wanted to uphold the responsibilities of the contract. I also recently in XX/XX/XXXX, reached out to XXXX XXXX XXXX XXXX to request my records of purchase and they did not respond and they also blocked my number. A representative from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has also reached out on my behalf on XXXX XXXX, XXXX and to no avail, not response has been given. The representative that has been assisting my complaint is XXXX XXXXXXXX and she informed me that the store has several similar complaints and that there is a possibility that the store is under investigation with the XXXX XXXX.
Consumer complaint received 2023-08-27
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. (SC)

I have tried to get the attached corrected with Equifax for some time. 

I've sent Certificate letters # 'S XXXX & XXXX. 

They both concern the CORRET spelling of my legal name which is XXXX XXXX. Any other name not matching my LEGA : name should be deleted. 

Furthermore, I have asked them to remove a hard inquiry that I have no clue. 

In the same letters I demand no Credit Freeze or Fraud Hold be placed on my account for NO REASON. 

In each letter, I included my driver license and social security card ( copies ).
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I got a loan from OneMainFinancial 2.5 years ago and I have been paying {$350.00} per month but I noticed that my loan balance is not going down, it remains {$9000.00}. I called and asked them why I am paying every month {$350.00} and my balance is still the same. They said they charge {$8.00} per day if it's paid after the due date, that was the first time I was hearing about that. I asked them to send me the contract for about 10 times but still haven't received that. I asked them to reduce my balance, they refused. I feel like I am getting ripped off.
Consumer complaint received 2023-05-10
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. (IL)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-05-10
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. (SC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2024-03-21
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. (WI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX