davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX Account # XXXX I was never late 30 days XX/XX/XXXX, 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2020-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Choice Money Transfer, Inc. (NJ)

On XX/XX/XXXX, I paid my utility bill ( XXXX  XXXX XXXX ) via XXXX XXXX, which is a partner agent Choice Money Transfer. I paid a bill of {$250.00} and the agent gave me a receipt of the transaction. She also told me that her system was down that time and she will make the transaction as soon as possible. 
I followed up with her on next day but she said her system was still down. 
I went to the store again on XX/XX/XXXX and found the store was closed. She hanged a notice saying that her system was down and she will open the store on XX/XX/XXXX. But since then the store never opened and the bill was never paid to XXXX XXXX XXXX. I got the same bill again with past due. 
I called their wire transfer agency ( Choice Money Transfer ) but they told me that they are only refunding customer who sent money to others. They are not taking any responsibility for bill payment. 

Address of XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX Address of Choice Money Transfer : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Phone :
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-06-21
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.
Consumer complaint received 2016-05-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PlusFour, Inc (NV)

I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST PORTFOLIO SERVICING INC (GA)

The following creditor referenced below is reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MI)

I have a Chase XXXX card. 

I sent a XXXX payment to some family members overseas on XX/XX/2011. 

I have been charged cash advance interest fees for the past 3 months, despite the fact that I have automatic payments set up with Chase to pay my entire account balance every month ( as the option noted as " statement balance '' ). 

When I called Chase to complain about this, they said that the only way for me to avoid this would have been to make a manual payment in the entire amount of my balance. 

Chase provides no option for a consumer to automatically pay their entire credit card bill off every month such that they avoid interest fees like the ones I have been charged. 

This is an unfair business practice. If I have set up automatic payments to pay my statement balance very month, I should not have to pay additional interest fees in subsequent months. 

Chase does not provide any additional options for consumers to pay off their statement balance automatically, thereby making it MORE difficult for a consumer to avoid interest charges, even though they are automatically paying their balance every month.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Experian continues to report i formation they can not validate. XXXX and XXXX have already removed the XXXX erroneous accounts from their credit reporting. Experian will not provide me with any documentaion or proof to substantiate these debts. They have now stopped taking my disputes and continue to report this negative information. I am seeking out every way possible to rectify this.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I was notified by XXXX XXXX County Tax authority that my Homeowners taxes were past due in the end of XXXX. I immediately notified my bank ( Flagstar ) of the problem since funds for taxes were in Escrow and should have been paid by Flagstar. The bank informed me that they would research the problem and issue a payment to my tax authority within 10 days. After more than 10 days, a tax payment was issued and deducted from my escrow account on or about XX/XX/XXXX. That tax payment was rejected by the county since the funds were not sent in a certified manner as the county requires for delinquent taxes. On XX/XX/XXXX a second amount was deducted from my Escrow account by Flagstar in order to pay my taxes with certified funds as the county requires. This caused my escrow account to go negative. Within several days, the original amount that had been deducted was refunded to my escrow account. By XX/XX/XXXX, my county tax authority had still not received the second check of certified funds which were supposed to be overnight-ed on XX/XX/XXXX. I was provided a tracking number for the check from XXXX. This tracking number was created but never activated according to the XXXX  tracking service. On XX/XX/XXXX, I paid my homeowners ' taxes directly in order to prevent a tax certificate from being issued for my property. I provided proof of this payment in duplicate to Flagstar as they required. As of the time of this writing ( XX/XX/XXXX ), I have still not had the original amount of the taxes that I paid refunded to my Escrow Account ( more than {$3700.00} ) by Flagstar. This amount must be refunded before the bank will run a new escrow analysis and send me a check for the difference so that I can be made whole for the more than {$4000.00} ( Including late penalties ) that I paid out of pocket to satisfy my tax requirement.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Khoury Alternative Claims Management (MA)

My mother rented the 2016 XXXX XXXX XXXX from XXXX, XXXX XXXX, FL for three days starting XXXX/XXXX/2016 to XXXX/XXXX/2016. 
On XXXX/XXXX/2016, my mother returned the SUV back to XXXX garage free of any damage during her rental period. A XXXX employee thoroughly inspected the car upon the return and found no damage that my mother was responsible for. With the employee 's approval, she returned the car and paid all the rental fee without being notified that there 's any damage on the vehicle that she was responsible for. 
On XXXX/XXXX/2016Alternative Claims Management sent an email to us saying that XXXX XXXX XXXX XXXX is filing a damage claim of {$530.00} again us months after our rental. 
After we sent them a dispute letter saying that we did n't cause any damage during our rental, Alternative Claims Management and XXXX insisted on collecting the claim. 
I think they are making a fraudulent claim and are trying to scam us.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX inquiries on my credit report that XXXX and Transunion are reporting that are not mine I have not approved submitted or signed for any of these and I dont know how these appear on my report XXXX - Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX  - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2024-02-29
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am a human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXX XXXX XXXX {$2300.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$890.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$620.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$980.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$930.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account According to XXXX XXXX XXXX : I have the right to privacy and did not give Equifax written permission to furnish these accounts
Consumer complaint received 2021-06-22
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. (GA)

XXXX. XXXX XXXX XXXX Collection I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 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 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2021-06-22
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. (CA)

XXXX, Equifax and XXXX are reportingXXXX  derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (WV)

When been getting phone calls several times a day from Credence Resource Management. Caller ID says XXXX Ohio. I never answer except to stop the phone from ringing and hang up. I finally called them and found out who they are by listening to their recording. They are using different phone numbers. XXXX, XXXX. We do not have any outstanding debt so this is a total scam.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ALL 3 CREDIT BUREAUS REMOVED UNAUTHORIZED INQUIRES ON BETWEEN XX/XX/XXXX AND XX/XX/XXXX, BUT NOT HAVEN'T REMOVED THE ADDRESS I HAVEN'T LIVED AT AND SCHOOL LOANS I NEVER TOOK OUT. I AM VICTIM OF IDENTIFY THEFT AND SHOULD BE SUFFERING FOR SOMEBODY ELSE DOING ACCORDING TO The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt
Consumer complaint received 2021-06-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo refuses to acknowledge receipt of a fax requesting documentation that they were not an investor in a mortgage they service ( # XXXX XXXX. This fax was sent on XX/XX/2021 at approximately XXXX GMT. I have digital receipt documenting the transmission of this message. 
Furthermore, they have refused to respond to a recently sent fax requesting record of telephonic communications pursuant to my mortgage XXXX # XXXX ) sent on XX/XX/2021 at approximately XXXX GMT. 

Both messages include multiple methods of contact, none of which Wells Fargo has deigned to utilize. 

As they are pursuant to a loan modification process that has caused me to file numerous complaints, and has been met with numerous stalling procedures and false information generated from Wells Fargo, I can only assume that this is an attempt to Foreclose on my mortgage.