davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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. (MD)

For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (ID)

15 usc 1681 ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
On or about XX/XX/XXXX results from a disputed account XXXX XXXX returned with a notification the account was deleted as result to my demand for dispute validation and reinvestigation. The initial dispute was accompanied by document in which proved the account was conducted with fraud and I was not legally responsible. XX/XX/XXXX deleted personal information was deleted such as addresses and names as a result of a dispute. Both in which were reinserted. XXXX eclipse was updated as result of a dispute however I did not submit a dispute as I believed the account to be deleted. I demanded reinvestigation deletion as reinserting is a violation. No results were sent to me the account remains. XX/XX/XXXX an additional demand for reinvestment and to delete. The results were not sent only a letter stating the dispute was frivolous
Consumer complaint received 2022-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (PA)

I was able to transfer XXXX from my Ally account to another bank on XX/XX/XXXX. Then I transferred it back to Ally when they raised their rates. When the other bank raised their rates to exceed Ally 's, I again went to transfer the XXXX - but was not able to, and got a message " This amount exceeds your transfer limit. '' I messaged Ally to ask what's up and XXXX wrote back that Ally has a daily limit of XXXX for outgoing funds. I messaged back that Ally did NOT have that limit a couple weeks ago when I transferred funds, and they did not inform me of any change. XXXX wrote back ; she obviously did not read what I wrote, as she responded that " There is NO dollar limit for internal transfers. Due to a system limitation, some XXXX receive an error message when attempting to schedule a single internal transfer. ''
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all   XXXX   bureaus  XXXX ,  XXXX , and Equifax. Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Roundpoint Mortgage failed to pay my homeowner 's insurance on time which has resulted in a notice of expiration from the insurance company. I contacted the call center on XX/XX/2023 and was told that the insurance payment was sent via snail mail two days before the due date. This is unacceptable! There was enough money in the escrow account to cover the payment long before it was due. They do not allow their customers to make payments after the due date without charging a late fee. Therefore, it is my expectation as a customer that they pay insurance and tax bills on time. We are at the height of hurricane season in Florida. If this payment gets lost in the mail and our policy is cancelled, I can only imagine the nightmare that will ensue for me as a homeowner if a hurricane strikes our area before this issue is resolved.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

My order # XXXX was allegedly delivered via XXXX tracking # XXXX on Monday, XX/XX/2023 at XXXX XXXX. I immediately called XXXX XXXX XXXX to let them know that the package was never delivered. They said they would issue a refund, which I never received so I disputed it with my bank. My bank ( Chase ) issued a temporary reversal of the charge in the amount of {$87.00} until the investigation was completed. XXXX XXXX XXXX provided a proof of delivery photo from XXXX which it clearly shows that the package was actually delivered to someone else 's house instead of mine. I called XXXX XXXX XXXX back on XX/XX/2023 because the bank charged my account for the amount, due to a proof of delivery photo that was provided by XXXX XXXX XXXX. The photo that was provided by XXXX XXXX XXXX XXXX, shows the package on a mat in front of someone else 's house NOT MINE. The photo also shows that the garage is to the right of their porch and the number on the house is not showing in the photo. My garage at my home XXXX is to the left of my porch. You can also see the number is posted visibly on my house. I disputed the transaction with Chase and the charge was reversed due to the picture XXXX XXXX XXXX furnishing PROOF IF DELIVERY which was the photo provided by XXXX. After getting notice of the reversal charge, I contacted Chase and was told that due to the " PROOF OF DELIVERY '' photo which was provided by XXXX XXXX XXXX the investigation was closed and that it was nothing further that could be done. The representative just didn't want to hear that XXXX made an error. After explaining that XXXX delivered the package to the wrong address. I then filed a missing package report with XXXX, but was told that all resources were exhausted and the package couldnt be located. XXXX then informed me that I needed to again contact XXXX XXXX XXXX to file a claim for the lost package, which they refused after speaking with XXXX XXXX.
Consumer complaint received 2023-07-23
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank NA Mortgage has illegally reported XXXX late charges on our credit bureaus severely affecting us from getting any home loans or refinancing. 

No notice was given to us, no grace period was given to us, we were not notified by certified mail, but they went ahead causing severe financial and emotional damage to us. 

Even after explaining they are not willing to understand or resolve this matter.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (MD)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2021-04-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (FL)

XXXX  XXXX XXXX XXXX XXXX license # XXXX, has and continues to attempt to trespass on my private property. Description 2018 XXXX XXXX XXXX XXXX vin XXXX My private property is in possession of my private trust and if trespassed again, this company agrees to compensate my trust {$10000.00} per day. This is a public notice. Any attempts after this notice is received constitutes as theft and trespass. My private property does not have a lien on it.
Consumer complaint received 2017-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Based on our research, We have notice that we have numberous of violation pending against our previous mortgage loan company ( XXXX/XXXX XXXX XXXX ) at the time we refinance, which is Preditory lending, Truth n Lending, RESPA. However we later discover a alleged third party debt collector, who acting as a lender ( Select Portfolio Servicing ). We filled that the third party debt collector needs to be investigated more thoroughly and the reason for inflation and increase of the alleged third party debt. We also received numberous of Foreclosure attorney Mill/Substitute trustee  letters ( XXXX XXXX XXXX ) in acting as debt collector on behalf of Select Portfolio Servicing ) in  violation of FDPCA. We recent applied for the modification to avoid the foreclosure sale and we receive 2 notification letters, one letter stated that SPS receive the modification and that it was under review and they 30 days for response. the letter was dated XX/XX/XXXX. 2nd letter dated XX/XX/XXXX from SPS as well stating they going to start foreclosure proceeding within 20 business days,  another letter was follow stating the loan was purchase by Foreclosure Mill ( XXXX XXXX ) at the foreclosure auction on XX/XX/XXXX, which is not a full 20 business days. I 'm legal XXXX and was sick at that particular time frame.
Consumer complaint received 2023-07-12
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. (AZ)

Re : This is my third written request To Whom It May Concern, Why do you continue to violate my rights as a consumer? 
Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a 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 ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

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 seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification.

I await your response.
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant Mercantile Agency (CA)

XXXX XXXX was told by XXXX  XXXX XXXX that he was covered for a medical procedure by his healthcare provider XXXX. Relying on this information Mr. XXXX proceeded with a voluntary non-emergency procedure that he would not have undergone had he been told was not covered by insurance. 

Months after the procedure was completed he was surprised to receive a bill for the cost of procedure by XXXX  XXXX XXXX stating that his insurance did not cover the bill. Mr. XXXX reached out to XXXX to try and resolve the issue, but no response has come. 

Now Mr. XXXX has discovered that Grant Mercantile Agency has reported that he has not paid the XXXX XXXX XXXX  for his procedure, which is on his credit report. However, there is no judgment reflecting the accuracy of this amount etc. Furthermore, Mr. XXXX would never have undergone the procedure had XXXX  XXXX XXXX not mislead him into believing that his insurance would cover the procedure. 

In summary, XXXX XXXX XXXX should work with XXXX to get paid anything it is owed. It can not tell patients they are covered by insurance to induce them to get procedures, then bill them if they are not actually covered.
Consumer complaint received 2017-02-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates (KY)

I am receiving calls in error. I have told the company they have the wrong number but they continue to call. I gave them my number and was told they would not call but they continue to call and threaten me with legal action. I am not the person they are calling for and do not know the person they are calling for.
Consumer complaint received 2023-07-12
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: CITIBANK, N.A. (NC)

My Citi Dividend Card stopped paying cash back at a {$300.00} limit which it never had before and I received no notice of such change. I called representative and got no acknowledgment of additional funds due to this account. I saw where XXXX XXXX XXXX did the same type of thing and possibly XXXX XXXX as well. Just thought that I would raise a red flag on this card as well. Thanks, XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (FL)

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Consumer complaint received 2023-01-09
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Consumer complaint received 2016-02-10
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: RSB Equity Group, LLC (NJ)

I was contacted several times by R.S.B EQUITY GROUP. about a payday loan that I had taken out. They said the y had retained the rights of the loan because of none payment they supplied me with the company the company name and information witch was all correct, I asked them to email documents and I did. We came to an agreement on paying the loan. I payed them and now I 'm being told that I 'm soon to be served papers by a process server to go to court for bank fraud. because this matter has not been settled. I 've done research to find out this buisnes is in trouble with the state of GA. for these same practice ' XXXX what can I do to solve this problem and recoup my money and clear my name.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

After filing a previous complaint for an unauthorized/unwanted cash advance for {$20000.00} by XXXX XXXX XXXX  XXXX A few days later he received a phone call from the local XXXX  of the president, XXXX XXXX. After an excruciating conversation XXXX XXXX was willing to mail us a payment envelope. I requested this because I didnt trust the company as all reps I spoke with were outsourced to the XXXX  XXXX When I received the letter he neglected to provide full account info and only provided a XXXX digit account #. When I spoke me with XXXX XXXX he offered to go to a local bank branch and make the payment but he said I couldnt do that and thats now how payments are made. For the last XXXX XXXX weeks as he did not provide direct contact information and I have to an art from the bottom up each time. I am starting to get threatened calls from XXXX requesting payment. Please give me proper access to pay this unauthorized/unwanted balance transfer
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I filed Chapter XXXX bankruptcy that was discharged in XXXX 2015. I applied for a mortgage loan. They were unable to pull my equifax credit. I sent on three occasions my ss card and drivers license. Once my name was corrected, my credit report obtained information from someone with the same name. I disputed this information. Some has since been deleted but now it us showing public records that was once off. This has caused me great issues with my purchasing a home.
Consumer complaint received 2022-11-02
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. (MD)

In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.