davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (IL)

During covid, and loss of my job, I had 2 months past due combined into a payment plan that spread payments over 12 months to catch up. This was a written agreement to do so. However Bridgecrest kept reporting each subsequent month to the credit bureaus as past due up to 120 days when ALL payments during that 12 month period were paid on time in included the additional amount to cover the 2 months past due. They refuse to amend the reporting to show the payment history as an on-time payment and instead my report shows 12 payments past due when it should have been 2 in a 14 month period.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Our mortgage loan originated via XXXX XXXX XXXX and included an assumption clause that would allow my daughter and son in law to assume the loan at a later date. Nationstar Mortgage purchased the loan from XXXX XXXX XXXX. Nationstar is now telling us there is no assumption clause despite paperwork I have to the contrary. I have no legal contract with Nationstar, all my contracts are with XXXX XXXX XXXX. By purchasing the loan, Nationstar assumes the terms and conditions of the original contract. I have spent countless hours on the phone with Nationstar representatives to no avail. They are refusing to honor the legal terms of my original loan that they purchased from XXXX XXXX XXXX.
Consumer complaint received 2018-08-13
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: EQUIFAX, INC. (AR)

I've contacted all 3 credit Bureaus about this XXXX XXXX # XXXX start account that's inaccurate on my credit report. I've also contacted the creditor which is XXXX XXXX about the account, I have asked the creditor and the credit bureaus for proof of the account bearing my signature of the account, I have asked for the original sign contract which I am allowed to see if its my account, the account is being reported inaccurate and I've repeatedly asked for copies of the original contract that has my signature on it they have failed to do so ... I am by law entitled to see the copies for the contract from the creditor
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

on XX/XX/2022 & XX/XX/2022, there was a atm withdrawal of {$1000.00} taken out of my account and also the next day another {$400.00} as well, I reported it but prior to that I received a text message chase fraud dept asking if that was me and I said no, I faxed my text message over that I received to the chase as I made the complaint on both days someone hacked my account, they only reimbursed me the {$400.00} and not my {$1000.00}.
Consumer complaint received 2024-04-11
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)

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.

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 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, My complaints are I came to XXXX in XXXX to join my husband who is international expatriate. Due to XXXX it took almost 2 years to get my employment authorization card. So I was not working depending on my husband for the income. I had a part time job last year and this year I have a new one since XXXX. I tried to apply for credit card at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but they were rejected after they run my credit report though XXXX. My question is I have never had a credit card so it means I dont have a credit report. So why am I denied the opportunity of me having the credit card? They are saying they are not discriminatory but for me this is dIscrimination against foreigners and women who depend on their husbands. I am asking where do I supposed to get credit report since I am new in this country?
Consumer complaint received 2023-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XXXX XXXX I did a balance transfer of {$7000.00} on my CapitalOne card from my XXXX. As of XX/XX/2023 the transfer had not posted on my XXXX account. So I called Capitalize One and they researched it and said there had been a mistake and a number was left out of the account # for XXXX. I double checked my part and I had entered it correctly online. The following day the transfer posted on my XXXX account. Which would not of been possible if account number was wrong. Of course by now CapitalOne had cancelled payment. Because of the payment reversal, XXXX now has my account on restriction in that every payment I make is reviewed and not posted to my account immediately. Instead it takes XXXX days. Also because the Capital One credit card is showing that I have max my credit limit, my credit score has lowered significantly and I was turned down for credit. This is effecting my business for a mistake that CapitalOne made. They are telling me it could take XXXX billing cycles before it is credited back. Which is ridiculous for a mistake they made. This means I am paying interest on another credit card because I couldnt transfer the amount and my credit score is still affected. This practice should not be allowed. 30 days should be more than enough time to resolve their mistake.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

To Whom It May Concern : I am writing to file a complaint against XXXX Equifax and the XXXX XXXX XXXX XXXX.
I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give XXXX a chance to resolve this issue. I filed a re-investigation, and still to no avail XXXX and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.
Consumer complaint received 2023-02-20
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. (WV)

I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX Act # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX  Act # XXXX XXXX Act # XXXX XXXX holdings Act # XXXX XXXX  Act # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX  also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My fed loans account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX Credit Card # XXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have two fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion Credit File # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion Credit FIle.
Consumer complaint received 2018-08-13
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. (MI)

Summary : My credit score has decreased by a significant amount due to XXXX XXXX incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to XXXX XXXX, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : XXXX XXXX attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a  significantly negative impact on my credit report/score. 

XXXX XXXX attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

XXXX XXXX then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.
Consumer complaint received 2018-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

Collection company never contacted me about any outstanding bill I contacted them when they appeared on my credit report showing a bill was open XX/XX/2018 and appearing on my report effective XX/XX/2018. The alleged bill is not open over 60 days and I provided proof of insurance. They indicated because they can not verify insurance they are requesting I contact other office until they could verify my information. 

I have no debt with them, they claim I owe them monies and never received a bill from them. 

They received proof via fax of medical coverage and still refuse to remove. They are not complying with CFPB.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. 

Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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: SUNCOAST CREDIT UNION (FL)

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 XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # 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 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 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nationstar has consistently made errors in calculating my Gross Income. That is especially true for Social Security Income in all 6 of my applications for a modification. The last application for a HAMP 2 loan on XX/XX/XXXX shows that Nationstar 's computation resulted in $ XXXX/mo. less Gross Income needed for a HAMP 2 approval. and resulted in a HAMP 1 approval at a monthly payment of $ XXXX/PITI mo. instead of close to $ XXXX/mo.PI. They also had a value assigned to the property of {$140000.00}, as opposed to the XX/XX/XXXX certified appraisal of {$120000.00} or the last value of {$120000.00} assigned by Nationstar on XX/XX/XXXX. This was corrected on a review of the application on XX/XX/XXXX to reflect a change in forbearance form XXXX to {$51000.00} because of the 115 % rule. However, the monthly payment remained the same for 271 months as opposed to the use of 480 months, and the Social Security calculation was not corrected to result in an approval for the HAMP 2 modification.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NC)

I received an email several days ago that I needed to change my password in Venmo due to someone trying to access my account. I tried to do so, and ever since am receiving an OAuth 2 error and no support or response from Venmo.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 
XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX  {$4000.00} XXXX. XXXX XXXX XXXX {$2000.00} 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 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.