davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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: FIRST HOME MORTGAGE CORPORATION (MD)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told First home and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX  of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and First Jome reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue
Consumer complaint received 2023-07-08
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-19
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. (WI)

That was my 11th lease, never dealt with XXXX before, my XXXX-year-old father was a driver of that car, very careful and infrequent driving, we returned car to XXXX dealer, nothing was told about a car condition, inspection and no papers were provided like after other leases, 1 month later I got charges for {$890.00} about multiple damages by XXXX XXXX XXXX ( AKA XXXX XXXX XXXX acount # XXXX ), I tried to call XXXX XXXX XXXX to dispute and requested send me clear pictures of damages, they keep agreeing on phone but never got pictures and just sending letters with charges again and again, I called them many times after, with last call to them in XX/XX/2018, they did not send me requested pictures of damages despite my repeated requests and sent my charges to collecting agency, I never hear anything from them sending my files to collecting agency or a collecting agency contacted me not even tried to collect, I had no idea that XXXX sent directly to Credit Reporting without trying to collect or discuss with me. I bought a boat and found that my score significantly dropped. I immediately paid that charge {$890.00} in XX/XX/2018. However, a Boat Dealer had a hard time to find a bank that would provide me a loan and one that I got charged 8.5 % APR instead of the usual 5 % ( as I was told ). 
In Spring 2018 my score was XXXX now XXXX on Equifax reporting and not getting better. I called Equifax several times, tried to file a dispute online. Whenever I call I get different answers from different people. They gave me different advises like call XXXX, which already got their payment, or close credit cards which we did closed a few, then call other car loan companies to remove inquiries. I did most what they suggested but score still stays low and not changing despite I am doing everything they say. Please help me to fix my credit score as it was not fair reporting from XXXX as we were in middle of disputing charges. Now we are planning to buy a house and I am facing significant financial charges because of all this situation
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (VA)

To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from XXXX XXXX, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

XXXX XXXX sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt XXXX XXXX to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved. 

Additionally, I believe XXXX XXXX XXXX have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent. 

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MD)

In XX/XX/, a replacement cell phone claim was filed with XXXX. XXXX failed to process the claim in a timely manner per their contract, causing undue delay and costs to our business when the replacement phone arrived five days later. I filed a claim with Elon financial to dispute the {$99.00} charge associated with the service. Elan financial denied the claim on the basis that I received the replacement cell phone. The basis, for the dispute was never that I did not receive the services. The basis for the dispute was that the products and services were not processed in a timely fashion according to the contract provided by XXXX. I requested an updated letter from Elan financial that corrected their mistake and correctly identified the basis for the claim. They refuse to provide the corrected letter. 
Elon financial also provided the documentation by the vendor ( Asurion ) in which their own contract guaranteed the replacement of the phone within XXXX hours. 
On several calls with Elan financial dispute resolution claim department, the contractual obligation in the documentation provided by XXXX was reviewed, and these facts in the legal docs were pointed out to them, but they still refused to enforce their terms of conditions - specifically use of the credit card ensures that the user will be guaranteed that the vendors will charge a fee only if and when they abide by the terms of their contract. In this case, XXXX failed to do that, and Elan financial refused to provide the corrected letter, describing the basis for the refusal. They also refused to honor their assurances and guarantees two card holders that they would receive services and products as described.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PENTAGON FEDERAL CREDIT UNION (IN)

Formal Complaint Regarding Substitute Check Issue To : PenFed Credit Union From : XXXX XXXX XXXX Date : XX/XX/2024 Subject : Immediate Resolution Needed for Significant Issue Complaint Details : I am writing to formally address a critical issue regarding a substitute check processed by PenFed Credit Union, which has resulted in ongoing financial and administrative challenges. Despite my repeated attempts to resolve this matter through direct communication with both PenFed and XXXX XXXX, there has been a failure to acknowledge and address the issue appropriately. 

Key Points : 1. Substitute Check Incident : PenFed mishandled a substitute check, which was inaccurately processed and led to financial discrepancies. 
2. Financial Impact : As a result of this mishandling, I am now owed a minimum of {$2500.00}, which includes consequential damages due to unresolved issues and financial distress. 
XXXX. Non-Compliance : PenFed has not adhered to the legal obligations outlined in the Check Clearing for the 21st Century Act ( XXXX XXXX XXXX  ), despite claims that the error originated with XXXX XXXX. 

Request for Immediate Action : I urgently demand that PenFed Credit Union : 1. Immediately credit my account with the outstanding amount of {$2500.00} to alleviate financial strain caused by this incident.

2. Conduct a thorough investigation into the mishandling of the substitute check and provide a detailed report outlining corrective measures taken to prevent future occurrences. 
3. Provide transparent communication and regular updates regarding the progress of resolving this matter.

Conclusion : It is imperative that PenFed takes swift action to rectify this situation and restore trust in its banking services. I expect a prompt response and resolution within 10 business days ] to prevent further escalation of this issue. 

Full Legal Name : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Account Number :
Consumer complaint received 2023-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated (WA)

XXXX XXXX went out business. I made my payments, but the company that took over didnt apply them to my account. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2020-09-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i have ask XXXX, TRANSUNION, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to correct late open accounts on my credit report through Credit Bureaus. Despite my persistent efforts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing. 

The continued presence of late open accounts on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter. 

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entries on my credit report. 

Provide written confirmation once the corrections have been successfully made. 

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$400.00}.
Consumer complaint received 2023-05-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Marlette Funding, LLC (NY)

This is Pertaining to XXXX XXXX XXXX - THROUGH ITS ATTORNEY, XXXX, XXXX XXXX XXXX, XXXX For - Best Eggs I WAS XXXX. 
Last Payment on my account was XXXX 
Amount due is {$4600.00} Principal - {$4200.00} Annual Percentage Rate - 29.91 % Finance Charge - {$3700.00} Settlement with my consolidation company was round {$1900.00} Total Payment due - {$10000.00} Summons was served NOT TO ME, It was served to my XXXX XXXX XXXX mother with XXXX after harassing her. 
I was never Served. I was out of the country. I have proof. 


MY STORY While consolidating my bills in XXXX XXXX On my credit report I saw XXXX. I called the phone number provided. I was told, this bill came from Best egg. I asked for all signed documents to be E-Mail or Mail to me. XXXX WAS NOT ABLE TO PROVIDE ANY DOCUMENTS. I Asked for Best egg phone number. I called Best egg, They were unable to provided me with any information. They informed me it was with XXXX and I have to contact XXXX. I Called back XXXX and explained. All I needed was proof. They were not able to provide me any Proof. What I was told, I need to pay this bill. I, AS A PERSON I DONT WANT TO PAY A BILL I HAVE NO RECOLLECTION OF. I called VARIOUS times, I got the same answers. I was stuck on eating a bill I have no recollection off. I went to MY XXXX AND CONTESTED - SAYING I HAVE NO RECOLLECTION OF THIS BILL. 
I called my Consolidation Company an removed it from my Consolidation. The settlement was round XXXX at that time with my Consolidation Company. 
ONE WEEK later after I removed it from my Consolidation Company a summon was served to my XXXX XXXX  mother with XXXX on XXXX  IT WAS NOT SERVED TO ME. I was XXXX. Never got proof, Never got any Collection Notice, Never got got a bill, Never got a Late Bill. Never got served. 
I was XXXX. 
According to - XXXXt The statue of Limitation on most death in New York is 3 Years from date of last activity on an account to Sue someone for a debt.
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I then received a letter by Convergent Outsourcing on XX/XX/2023. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and Convergent. I will also be filing a complaint with the Texas AG Office.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

They stole my financial aid company and have allowed their employees to manipulate their business practices to defraud and steal from their clients. they continue to ask for personal information from me with no help and refuse to take note of all complaints XXXX have reported to HR via email. I have proof of everything even phone calls to their fraud deparment with the Chime banking company. As an XXXX, I feel it is only right that I receive some support during this time. I have been nothing but patient with this company, considering the situation transpired in XX/XX/year>. This situation has changed my financial security tremendously.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase and use their app. I tried to transfer {$1000.00} to my son XXXX XXXX, on XX/XX/XXXX Sunday ( I think ) using XXXX app provided through Chase portal. By mistake I send the money to his work cell # XXXX XXXX XXXX, instead of the personal number XXXX I immediately realized this ( less than XXXX minutes ) and called Chase to stop it and revert the money After few weeks of investigation they orally told me ( never got a written response ) that the transaction went to someone and they can not return money. XXXX says that i need to speak to Chase and not to them My point is whoever got money does not have the XXXX XXXX XXXX phone ( its my sons work # ). In my view Chase or XXXX is responsible for ensuring numbers are linked to right accounts. In my view even though i transferred money to an unintended #, it was still my sons number not hooked to a bank #. 

A consumer can not verify whether the right number is linked to the right person, which should be bank/Zelle job XXXX 

Please help to get money back thanks XXXX XXXX
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (FL)

I reviewed the website for RateGenius to see what rates they were offering on a refinance of a car loan that has a 6.49 % rate. My credit score is well above XXXX and the rate advertised by RateGenius for a 3 year amortization loan was 4.67 %. I have taken a picture of the website which states the rates are as of XXXX XXXX, 2023 I went through an extensive process to apply for a loan based on the advertised rate and was offered a rate of 6.19 % and told the APR would be over 7.5 % when including fees. On the advertised rate there was no asterisk for any additional fees that would cause the APR to be higher than the advertised rate. I queried as to why they would not offer me the rate advertised and they had no response.
Consumer complaint received 2024-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: VALLEY NATIONAL BANCORP (NJ)

In XX/XX/year>, I requested to initiate the process of removing PMI. The bank sent a broker to appraise the house. In XX/XX/year>, I was informed that the PMI removal had been approved and would soon be reflected on my statement. However, despite calling approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX, I was repeatedly told that the approval was confirmed and I would receive the appraisal report, yet no action was taken. As of XX/XX/year>, I have been charged for PMI again. This ongoing issue and the misinformation provided have caused me to lose faith in your firm.
Consumer complaint received 2023-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Real Time Group, Inc. (CA)

Im in the mortgage industry and lost my job in 2022 and at that time I fell behind on my first XXXX  and simply could not make the payments so I decided to sell since it gained equity and would be able to survive temporarily. Out of nowhere I get a collection notice from a XXXX that I had thought was forgiven which was originally with XXXX, then sold to XXXX and the. XXXX went out of business and I tried to figure out where to pay but never heard for almost 16 years until I get a demand letter from a collection agency that I never received a transfer of servicing letter no any payment coupons and being in the business by law you must received the transfer letter within XXXX business days. Needless to say my was desperate and ended up selling my home and lost about {>= $1,000,000} on the zombie mortgage which was mainly interest which I begged for them to work with me and they would not budge. Im now homeless, jobless, no car and no unemployment checks and I need help to get the money that the collection agency took from me. Please help me and XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX account for XXXX is closed and marked as charged off. This account is written as charge off but in never received any XXXX cancellations of debt form. I also never received notification that this debt was owed before reporting. Because of this this is account is inaccurate and must be removed. Its is also a duplicate account on my credit that states paid never late with the same account number. This debt is not accurate and must be deleted.