davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Dear Transunion : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way. 

These items are reported inaccurately : 1. 15 U.S. Code 1666b - Timing of Payment XXXX XXXXccount Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 


If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC, XXXX, & CFPB. 

I await your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.
Consumer complaint received 2023-03-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I purchased a home as a rental property in XX/XX/XXXX. I set up automatic payments ( ACH ) with the lender upon purchase. 
The loan was transferred in XX/XX/XXXX to Select Portfolio Servicing ( SPS ) Company. During the transfer, the ACH payment was not collected. 
SPS did not notify me of this oversight until XX/XX/XXXX. I set up a payment plan in XX/XX/XXXX to correct the missed payment due to SPS 's error upon loan transfer. 
I have paid off the missing payment, yet SPS raised my interest rate to 20 % on XX/XX/XXXX because they state the payment is missing. 
They will not accept that I have corrected their error. 
The Ombudsman will not accept that I have corrected their error. 
I refuse to accept the 20 % interest rate and I have not paid that amount.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MA)

XX/XX/XXXX XXXX called Penn debt collector and I was hung up on. XX/XX/XXXX XXXX for the second time called Penn credit collector and I was able to speak to a collector. I told them that this is a pay by plate and I am unable to renew my License do to unpaid pay by plate tolls. I explained I would like to dispute this because these are not mine. My license plate was taken I had to order a new plate from the RMV. On XX/XX/XXXX I had ordered replacement plates XXXX. I received a Number Plate Permit issued the same day XX/XX/XXXX. THe collector told me that they would be sending a letter out to me which I have not yet received. I do not have any dates of t or information requarding itemized dates, toll amounts, fees and late charges. Also I want photos of my vehicle going through these tolls.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B mandates the exclusion of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccurate reporting in terms of amount and dates.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE XXXX XXXX BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS AND ADDRESS FROM MY CREDIT REPORTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} i have not lived at this address XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

the following inquiries are listed on my account i did not give my permission to these companies to access my credit profile on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (GA)

I went to XXXX XXXX branch in XXXX Georgia on XX/XX/year> and spent over an hour opening my business checking account with XXXX XXXX. I gave him the business promotion that was offered to me and when all was done I confirmed what I needed to do to get my bonus of {$800.00} dollars. I deposited the qualifying amount of XXXX and I did the 20 transactions within the first three full statement cycles. On XX/XX/XXXX I called the branch to check on my bonus and was told by XXXX that I didn't qualify. I asked him why and he said that it was supposed to be 20 transactions per month and I explained to him that I confirmed with XXXX that it was 20 transactions over the next three months ( he even joked that I had a lot of time ) I also read him what the Horizon website says and he still was not acknowledging that the website does not say per month. Attached you will find the wording directly from their website which states that it's 20 transactions within the next three statement cycles which is 90 days. I feel as though I was baited to open the account and deposit XXXX and do the 20 transactions and then they did not keep their part of the bonus they offered me. Now they want to change the terms even though I was told directl|y by XXXX and their website which I'll attach screenshots for proof.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it may concern, To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT cover any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (GA)

PHH MORTGAGE AND XXXX XXXX ARE ATTEMPTING TO FORECLOSE ON MY PROPERTY WITH FRAUDULENT ASSIGNMENTS, THEY HAVE BEEN SENT A QWR WHICH THEY WILL NOT SEND A RESPONSE TO. I ALSO SENT A NOTICE OF ERROR AND NOTICE OF DEFAULT. THE LOAN WAS APART OF THE GLOBAL WIDE SETTLEMENT WITH THE DEPARTMENT OF JUSTICE AND THE STATE ATTORNEY GENERAL,. THE HAVE REFUSED TO SEND THE GAP ACCOUNTING ALL PAYMENTS FROM PREVIOUS SERVERS
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This XXXX account has been on my credit report multiple times. It is fraudulent, it gets removed, a new debt collector buys it and it reappears. Now it is owned by XXXX XXXX XXXX and reported on my credit even though the account is proven fraudulent
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (HI)

XX/XX/year> purchased a XXXX XXXX XXXX XXXX XXXX  on XXXX. Returned it one week later insured for a refund from Seller XXXX XXXX who did not issue refund. He also filed claim to get insurance off USPS that I paid for. Total charges {$900.00} including late fees unilaterally charged by Chase on disputed amount now have gone up to {$920.00}. 

XXXX XXXX sent secure XXXX message that he received product back and it works fine. He then lied to XXXX saying it was returned broken. XXXX and Chase reviewed the case without due diligence and possibly with malicious predatory intent to block my due refund. 

So there is still an open dispute for the remaining balance which reflects the {$820.00} i was scammed out of by XXXX and XXXX XXXX in XXXX XXXX XXXX FL, of whom I have filed federal complaint against as well as the {$62.00} return shipping plus usps insurance that XXXX XXXX also filed a claim upon XXXX his commission of mail fraud. US Postal Inspectors complaints filed twice. 

Chase bank rebilled the disputed amount one month after the chargeback since enay was involved and ignored my multiple complaint submissions through their channels now charging exorbitant late fees and predatory interest on the disputed amount in violation of XXXX XXXX. XXXX has also ignored requests for investigations and has a sordid history of fraud and criminal activity I have since discovered researching fellow scam victims
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B obliges you to eliminate any inaccurate accounts from my credit report. This is incorrectly listed in my credit file, so please delete it. I am due {$1000.00} for each inaccuracy on my credit file.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have recently received a copy of my credit report and I have noticed some items that do not belong to me. My Fianc and I are having our first child and are trying to purchase our first home and these items are hindering us. Please remove these items. 

Fraudulent accounts ( XXXXXXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX date of inquiry ( XX/XX/XXXXXXXX  ), XXXX XXXX date of inquiry ( XX/XX/XXXXXXXX  )
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (GA)

Made two payments to Cerulean Card Services ( Continental Finance ) that did not go through. I had the funds in my account and my banking and routing numbers were correct. They closed my card and placed a late payment on my credit report. I spoke with my bank and they have confirmed no transfers were made in that time period, let alone to Cerulean. I was able to make a payment over the phone via debit.
Consumer complaint received 2024-07-19
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: JPMORGAN CHASE & CO. (TX)

In XXXX of XXXX I walked into a chase branch at XXXX XXXX XXXX, XXXX, TX XXXX. I asked the teller to close a business checking account and credit card I had open several years earlier. I have since learned that while the checking account was closed, the credit card was only paid to a balance of XXXX but was not close. In early XXXX the balance of the credit card became none XXXX when a yearly auto recurring pay was charged to the account. I did not receive any statement because the address chase had on file was incorrect. 

I was unware of the balance until in XX/XX/XXXX of XXXX I received an email saying I had a past due payment. I assumed this was an error or phishing since the account shown did not match any of my open accounts I knew of. That night I forwarded the email to chases anti phishing service and got an automated email to contact chase. On XX/XX/XXXX at XXXX I called chases customer service number and what told I indeed had no account by that number and to not pay since it was a phishing email. 

In XXXX I was applying for a home loan and found out I had a derogatory note on my credit report for have a past due payment at chase. I contacted chase and was made aware of the credit card account still existing. The accrued fees we removed by chase and I paid the balance and again closed the account. I then talked to chases credit reporting specialists and was told the only way I could get the credit report corrected was to located the chase teller I talked to and have them call and admit they made a mistake over a year earlier, since there is no paper trail for something that does not happen. I went to the chase branch the next day and was told they have no records of who closed my checking account and therefor I would have to have noted that name of who I talked to and find them personally. 
I have since talked to chase many times trying to find an internal process to remedy my credit report. I have been told while they were able to find my phone call where chase told me not to pay the past due balance, that it was my job to know that it was a legitimate account still and pay it. My only recourse was to prove that the teller made a mistake but that this is impossible since I get the name of the teller and there is no paper trail saying they did not close my credit card account. 
I have also opened a discrepancy with all three credit reporting agencies and have been told that they contacted chase and chase has said the information report was correct and will not be changed.