davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (SC)

I have been trying to work with this company from the beginning. I bought a home through a local dealership, and it has been a nightmare from the start. Approximately XX/XX/XXXX I received a call from an agent that worked at the dealership calling asking what day I want to set my payments up for each month, I stated the XXXX of each month. I was under the impression that my payment would be starting XX/XX/XXXX being that we had not moved in the house and it was not fully set up yet. I received a call on XX/XX/XXXX from the mortgage calling to process a payment. I explained the entire situation to XXXX XXXX she was the finical counselor at the time she had a very nasty attitude. She brought her supervisor I believe on the line, and she explained that it's nothing they could do because the loan was already signed, and they expect a payment after a certain amount of time of the loan being signed which is unfair. So, after going back and forth with them she proceeded to say they can move the due date to the XXXX of XXXX going forward it will be due on the XXXX of each month, and I explained the XXXX is not a good time for me to pay being that I had other obligations due around that time. I have been treated bad by this company, there is no fairness within the company. My loan information has been shared with someone who did not have permission from me to speak on my behalf or get information about this loan. The information was then talked about with others which has been so embarrassing. To fast forward I went to make a payment Friday, Saturday and today XX/XX/XXXX and I have been blocked from making a payment online and via XXXX telephone which will cause my account to report as XXXX  days late on my credit and I take pride in maintaining a no XXXX  day late reporting on my credit because a XXXX  day late reporting can damage your credit rating with other lenders and my result in the closing or lower of your other account limits. This company has made threats, and I was informed by one agent that they are not the bank they borrowed money from a company and have to pay them back. I have been treated very poorly by this company.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had wired money XXXX from myself account of XXXX XXXX XXXX to myself account in Chase checking ( XXXX ), but it is rejected because Chase think that it is suspicious and fraud as attached. XXXX XXXX XXXX  has contacted Chase for many times, but the wiring still rejected and return back. I had went to Chase XXXX XXXX fo

r three times. I had made an appointment with XXXX XXXX XXXX XXXX, on XX/XX/scrub>XXXX XXXX, 2024, but she was not there without early notice and apologize to me, and no results.

I made an appointment with XXXXXXXX XXXX XXXX XXXX on XX/XX/year>2024 again, but she didnot supply any service to me. XXXX XXXX XXXX refused any service from this branch to me. I had filed complaints to Chase, but no any results.

Chase closed my checking, saving account, and credit card, the emails showed that it is " To help protect against fraud, we restricted and may need to close your account soon '', but I received the mail from Chase that it is " inappropriate conduct with our employees ''.

I am confused about different reasons, and the behavior of Chase branch employees are very bad.

Currently, my checking saving account and credit card were closed by Chase.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.
Consumer complaint received 2018-09-12
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: STERLING JEWELERS, INC. (TN)

This is compliant is about about the unscrupulous business practices of XXXX XXXX / XXXX XXXX who contracted a collection agency to collect a debt that I repeatedly contended was not opened by me. The collection agency finally acknowledged that they were unable to validate this alleged debt and therefore removed the entries from my credit report ; however XXXX XXXX XXXX XXXX XXXX continues to report this on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX / XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the collection agency but still have yet to receive this information. XXXX XXXX / XXXX XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX have been deleted.
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1994 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. 

In accordance with fair credit Reporting act XXXX XXXX have violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. 

I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. 

I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. 

Equifax and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.
Consumer complaint received 2023-07-04
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. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-05-26
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)

I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back from them.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I emailed Mohela twice, once asking for information on my cancelled loans. They responded to that with an email saying the loans were cancelled and I'd get a letter with more details and a digital copy. That was months ago and I never got a letter or any digital data. 

I emailed Mohela again asking if any of my cancelled loans were eligible for refund of payments made, but I haven't received a response. 

There is no information in my Mohela account about my loans, payments, cancellations, nothing. I would like information on my cancelled loans and refund. 

Thank you.
Consumer complaint received 2024-04-17
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. (TX)

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED '' The following companies have violated my rights : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account, personal loan, etc under an open-end consumer credit plan as late for any reason or purpose.
Consumer complaint received 2024-05-11
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (TN)

I attended the XXXX XXXX from XXXX, graduating with a XXXX XXXX XXXX XXXX in XXXX. From XX/XX/XXXX through XX/XX/XXXX a total of {$83000.00} was taken out in Navient private loans. From the moment of recruitment though all of attending the school, there was constant pressure to sign. Sign intent to attend the school, sign the loan docs to start classes, cant attend classes until loans are secured, Can't register until money has come in. All were threats of being dropped by the school and the school had Navient in their pockets which XXXX ( owner of XXXX at the time orchestrated ). At some point that original XXXX skyrocketed to XXXX with interest rates climbing to almost XXXX  %. I have been making payments since XXXX and my private balance is still around XXXX with XXXX of that still with Navient, I have not defaulted on my payments and have even paid some loans in full since starting repayment. I am a stay at home mom and have had no relief of decreased payments throughout the years, only increases which has put stresses on my spouse whose not responsible for my debt. 

The school has since closed for fraudulent practices. I have filed a Borrower defense to repayment in XXXX for my federal loans, which was approved and waiting on the remainder to be forgiven. The remaining debt of my private loans is effecting me to live my life.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NY)

The account in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX and was unable to make the payment or call to defer the payment. As soon as I was able I did make the payment immediately. 

Along with that I had fee waived which means a financial accommodation was made for.. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 ).
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TN)

This company is trying to collect on something I have no knowledge of. This was a result of an identity theft. I have already send in my FTC AND POLICE REPORT. THIS COMPANY KEEPS HARASSING ME.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

Today, XX/XX/XXXX, I received an email from Citibank saying they had adjusted a payment I had set up for XXXX to XXXX. This made no sense to me so I ended up making four calls to Citi to figure out what they did. In essence they had deducted both XXXX, the amount due, AND XXXX which represented the amount which would be due for NEXT month on the charges that had just been configured yesterday. They said I had set up XXXX to be paid twice, something that would be difficult to do as the configuration page would clearly say the payment had already been set up, that there was no additional payment necessary and that I would have to physically type in the XXXX figure for payment. I did NOT make a double payment of XXXX. 

When I pointed out this and that it was the Citi computer that had made an error they disagreed and engaged in mental gymnastics to blame me. So, in essence, they had deducted the correct amount AND XXXX without any authorization, likely committing a fraud. Upon that they said they would " initiate '' a reimbursement, though it might take a few days or more. Meanwhile, they had already made an unauthorized draft from my checking of XXXX and refused to admit their error and immediately fix the situation. 

I then asked them to give me a correct billing asap so I can set up payment for the XXXX for its due date. I have no expectation they will do anything. 

I don't know if CITI did any of this knowingly but the similar response from four different employees tells me that are trained to simply lie. None of the staff I spoke with seemed properly trained, except in denial and blaming the customer for a CITI error. 

Please investigate and take appropriate action. 

XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

I had a cash app account. I received a text message saying my phone number was taken off my account. So I call the customer service number to see what was going on. As I was on the phone the agent watched someone who had hacked into my account change my hashtag and email to something else as well as the phone number. They proceeded to watch the hacker take XXXX. XXXX out of my account. The agent froze my account and filed a complaint to get my money back. I received an email stating that my complaint was denied and I would not receive the money that was stolen back I called and they could not give an answer or provide any info about it I have attached multiple attachments
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

DEPT ED NELNET XX/XX/year> {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Consumer complaint received 2023-04-24
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)

XXXX, XXXX, and Transunion are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Consumer complaint received 2024-04-09
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)

This account was charged off on XX/XX/XXXX on XXXX it continued to update as charged off in both XXXX and XXXX XXXX on XXXX it reports XXXX potentially XXXX  XXXX XXXX On XXXX it reports XXXX Potentially XXXX XXXX and shows no Payment history on transunion.On XXXX it reports account type as " Charge Card '' on XXXX as Revolving account and on Transunion as XXXX  account. On XX/XX/XXXX XXXX reports on time payment in XX/XX/XXXX on XXXX it reports XXXX  days last.On XXXX it shows XXXX  days late repeatedly in XXXX, XXXX, XXXX of XXXXthis inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX Number XXXX Enclosed is a copy of my credit report
Consumer complaint received 2023-07-10
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. (NC)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.