davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (NV)

My fiancee and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiancee and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiancee 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my fiancee 's mother.
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MA)

This company did not disclose that the APR for this {$1200.00} loan was 653.25 %, meaning that I would have to pay back over {$6000.00} through 20 bi-weekly payments. I made payments for months and ultimately ended up having to pay {$1200.00} to pay the loan off early in full. They did not allow me to pay in full online, instead I had to call and they schedule the payment for 1-2 days from today.
Consumer complaint received 2024-05-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

the California XXXX XXXX XXXX notified me by mail on XXXX that they were changing the way they distribute available funds to claimants. They were changing from a Bank XXXX XXXX prepaid debit card to a Money Network prepaid card. On XXXX I received an Informed Delivery notice from the XXXX that I would receive an envelope from Money Network, but it wasn't delivered with the rest of my mail. I waited until the next day to see if it would arrive, but it didn't. That day and the next I checked with my neighbors to see if they accidentally received any of my mail, but they said " no ''. I called Money Network about this, and they said my card was activated and the available funds were withdrawn on XXXX, at a XXXX XXXX, transaction # XXXX. I told them, I never received the card and the withdrawal wasn't by me. They immediately closed that account and issued me another card to prevent future fraudulent withdrawals. I'm currently in the process of trying to recover my money with " Money Network '' via a dispute process on that unreceived prepaid card. 
I went to my bank, XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, California XXXX, to seek help in this matter, they referred me here, to file a claim.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a negatively amortizing adjustable rate mortgage that I 've had since 2007. Since my loan, originally with XXXX XXXX XXXX, has been transferred to Nationstar, they have not been able to adjust payments according the terms of the Note despite my spelling the terms out for them. It is now time for another adjustment and I went to make my payment online and they 've adjusted my payment incorrectly again. I can not make my next payment on their website because the site gives me no option but to make the incorrect payment. 

I am also in the mortgage business and I am aware of others to whom this has also happened with Nationstar as their loan servicer.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have fraudulent accounts reporting on my consumer report. I have sent a notorized FTC report and valid driver 's license to XXXX, XXXX, and Transunion.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 2023-05-10
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: EQUIFAX, INC. (NY)

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, 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NV)

hello my name is XXXX XXXX and I've noticed some unauthorized inquiries on my report and according to the FCRA this is a violation of my rights. I'd like the account removed immediately.
Consumer complaint received 2024-01-08
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. (MD)

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 3rd party. They in fact did not come from a 3rd 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 2023-11-10
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 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 2024-05-10
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)

The presence 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 severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-09-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Mort has yet to provide me the Notary book sign or any proof from the state of secretary of state of California notary. There has not been no such document from the state by Wells Fargo Mortgage as proof I sign and that my signature appears in the notary book with my signature.

As stated before the California All Purpose Certificate was never given to me or presented to me by Wells Fargo Mort.

Its been nothing but the run around 1 lie after another same old letter were working on the matter I been getting for year and half now. This is no more than fraud and Wells Fargo mortg.

Wells fargo Mort. does not send documents requested it's always things you don't ask for. Wells fargo sent last time half in XXXX writing. It's nothing but games with wells fargo when it comes to the documents and providing proof of what's ask for. It seems Wells fargo has a bunch of class a dummies that cant read or understand what's requested. I understand wells fargo employees are no more than deceit and lack of morals when asking for the documents. Stop sending things or trying to justify things of documents with no proof from the Sec of state.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

hi my name is XXXX XXXX XXXX ; my email is XXXXXXXXXXXX ; my phone is XXXX please credit me {$1000.00} in travel rewards or XXXX membership reward for the American express gold card ending XXXX with date XXXX ; 4 months ago American express send me a welcome credit card offer '' spend {$5000.00} in the first 3 month received XXXX membership reward and spend another {$5000.00} in the same period received another XXXX membership reward point with total of XXXX with AE gold ending XXXX ; I comply to rule and regulation on the welcome offer, however I did not received XXXX reward membership point AE promised because they check that I had it long time ago ; but I appeal to AE decision of denial beause if I had that offer and AE has a record of it why did they 1. send the welcome offer and approve my credit card application ; if the approve the credit application that mean the rule and regulation of the welcome offer is comply ; 2. in the welcome offer did not said that if I had the offer already it wont work ; 3. the should not approve the credit application and trick me to spend {$10000.00} worth of transaction in 3 months because they benefit 5 % of the {$10000.00} money ; 4. please fired the lady name XXXX because she harash and discriminated against me ; I talk to XXXX with id XXXX and her manager XXXX with id XXXX for my appeal and they told me to wait for 10 days but it is been 3 months and my reward account has not been credit XXXX point ; they lied, cheated and robbeby my traveling money ; I had no choice but to file a complaint against American express credit card ; please credit me {$1000.00} worth in airline reward or XXXX reward points immediately ; I had relative XXXX in XXXX and I need to book a ticket right now and do n't have time to wait any longer
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

In accordance with the FCRA XXXX XXXX # XXXX ...., has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley 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 under an open-end consumer credit plan as late for purpose
Consumer complaint received 2023-05-17
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score.

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports. 

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.
Consumer complaint received 2018-09-16
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: Experian Information Solutions Inc. (MD)

I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within a couple of weeks stating the collector has certified to them this the item is accurate. I have even sent in disputes by mail asking for the contract of something in my files where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. 

Ive recently sent them a mailed dispute request on XX/XX/18. I received a response letter ( stall tactic ) from them dated XX/XX/18 not that my request was frivolous but merely that they were not going to investigate the items again. As a consumer, I am entitled to a reasonable investigation if I am disputing inaccurate information on my report. How can they do this and get away with it?! 

The law is very clear in all of the cases XXXX vs XXXX, XXXX vs XXXX and XXXX vs Experian. All of the courts ruled each and every time that the credit Bureau can not literally parrot information from collectors. But instead must perform a reasonable investigation and XXXX is not considered as such.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My husband died XXXX. I asked that my mortgage be modified with a more manageable payment due to my altered circumstances. I thought they did as my new payment was just over {$1500.00}. Pennymac indicated that I wasn't paying enough and began threatening foreclosure. Hardship led me to appeal for loan modification but Pennymac has become aggressive now. I have been paying a little over {$1500.00} faithfully and on time. They have apparently indicated some default to the credit companies that has led to hardship. I had a car accident and had to get another car when mine was totaled. I ran into a low credit rating due to Pennymac 's action.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/year> I received a fraud alert from Capital One. I called immediate and said I did not make those charges. My XXXX  account was hacked and it was linked to my debit card. Capital One cancelled my debit card but did not stop the charges from going through. They advised that they could not stop pending charges. I said but they are fraud. Once the purchases were withdrawn from my account I called again. They said that they investigated and the purchases came from my account. Well obviously my account was hacked. They cant show me any proof of anything. I did not make these transactions. What is the point of fraud alert if they allow it to go through anyway.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (OH)

After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy. 

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (TX)

I reached out to 2 different collection agencies about the same debt that is not owed by me. I completed an application with the apartment complex below and was not needed as a co-signer. The complex ended up charging a larger deposit and I never signed the lease agreement. 

I called XXXX and they agreed the debt was not mine, since I never signed lease. However, XXXX XXXX told me to tell residents to pay to get rid of debt. I advised her that both agencies said it would hit MY credit. The manager said there was nothing she could do to correct it, even though Im not responsible for the debt???? 

The correct parties responsible are the 2 people that signed lease and moved in XXXX XXXX and XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States See collection agencies below ( both claim they have same debt ) Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuse to address why 2 agencies have this erroneous debt for me Please help!!