davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

XX/XX/XXXX I called Loancare ( subservicer of XXXX XXXX XXXX XXXX ) to set up a payment plan for my mortgage that was 2 months late. I was told if I canceled I must call to cancel 2days before they take the money at my account. 

XX/XX/XXXX I'll call to cancel the payment plan I made with Loancare ( subservicer of XXXX XXXX XXXX XXXX  ). I stated I was making 2 payments of {$1500.00} on the XXXX and XXXX of XXXX. The representative I talk to stated she cancelled the payment plan and entered the corrected pay amount for XX/XX/XXXX and XXXX. Once both take payments were made my mortgage would have been current. 

On XX/XX/2019 Loancare ( subservicer of XXXX XXXX XXXX XXXX ) on unauthorized {$2000.00} from my XXXX account. I called on a XXXX XXXX to figure out what happened. The representative stated she saw where the last representative put in both payments for the XXXX and the XXXX, but made a mistake and canceled the wrong payment. The representative asked me to send in my bank statements to show any in NSF fees that I occurred due to the mistake so i would be reimbursed. 
The representative stated She is canceling the payment plan that was in the system. 

On XX/XX/2019 Loancare ( subservicer of XXXX XXXX XXXX XXXX ) Unauthorized {$1500.00} from my account.My call to complain at this point my creditors have castle to of my cards in my other creditors started to show delinquent due to this mistake. 

I was told to file a complaint with Loancare ( subservicer of XXXX XXXX XXXX XXXX   ). Once I found the complaint they was going to put money back into my account I have  all NSF fees paid in full. On XX/XX/2019 nothing was there resolved. I paid {$3000.00} to cover any back mortgage issues that I occurred in the remaining balance was paid on XX/XX/2019. 

The representative stated all my past due fees in NSF fees would be refunded and also any issues would be resolved. 

I called on XX/XX/XXXX, XXXX and XX/XX/2019 there was no response back from the charges credited back to my XXXX account. On XX/XX/2019 I was told by representative with Loancare ( subservicer of XXXX XXXX XXXX XXXX ) they was not going to pay anything and I should be glad they didn't take any legal action. 

Due to Loancare ( subservicer of XXXX XXXX XXXX XXXX XXXX not handling my account correctly 2 of my credit accounts closed and 5 either went past due or delinquent. 
Loancare ( subservicer of XXXX XXXX XXXX XXXX ) knowing their employees made a mistake, and would not correct the actions of them. Loancare ( subservicer of XXXX XXXX XXXX XXXX ) fraudulently took funds from my account and never corrected the issue at hand.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2019 Chase card services contacted my wife, XXXX XXXX on her personal mobile phone ( XXXX ) XXXX. My wife is not listed on this account, nor has she ever been associated with this account. Chase card member services disclosed all my account information and balances with her, without my consent and agent apparently did not understand once my wife asked her to stop. I am the card holder. I do know my account had her phone number listed, as alternative number but feel as if a federal law has been broken by this action.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I submitted an online application for a CareCredit Account on XX/XX/XXXX. I was approved the same day. I learned today ( XX/XX/XXXX ) that I have been charged a Card Security Service fee of {$1.00} per {$100.00} of my balance. I contacted CareCredit and was told the service was optional and that I need to call XXXX to cancel the service. I never opted into the plan in the first place. After calling and speaking to XXXX she stated that I opted into the plan online when I completed the application. I did not. There are many complaints to the XXXX  for this same issue. I want a full refund of the charges going back to XX/XX/XXXX.
Consumer complaint received 2020-06-09
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX  XXXX, XXXX  XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

This company is charging a customary fee in amounts over {$400.00} every two weeks. There is no way I will ever be able to pay this loan off when I am only paying for this customary fee. Its is so much money. I was not made aware that I would be charged this fee. I thought that I would only pay an interest fee.
Consumer complaint received 2019-12-29
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: EQUIFAX, 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. The accounts that are on my account that are not mine are : XXXX and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXXXXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-05
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. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX SELF-REPORTED XXXX Balance : {$260.00} XXXX SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$400.00} XXXX XX/XX/2022
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized CRTFD CRDT XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

on XX/XX/XXXX I paid for a vacation on my Citi card that was standard purchase. The billing cycle ended on XX/XX/XXXX and the credit card company charged me interest for this charge. They then billed me and I paid off the charge right away. THey should only have charged my account interest if I did not pay it off in the associated billing cycle, which I did. This is fraud with these fees.
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

According to the FCRA all consumer reporting agencies have a GRAVE RESPONSIBILITY to report correct and 100 % accurate information on a consumer 's report. EXPERIAN FAIL TO DO THIS ON MY CONSUMER REPORT. In XXXX of last year I notice that thing were not reporting correctly. The have a name that I have never used, addresses I have never lived at and so much inaccurate information on accounts reporting. 
On XXXX XXXX I sent EXPERIAN a letter informing them of my proper name and the proper address they should be reporting and directed them to delete anything else because it was in accurate. Along with this letter I sent a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill. They totally ignored my letter. 
On XXXX XXXX I sent them XXXX more letters detailing the same information but also disputing the inaccuracies on my report. I also again sent them a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill to verify that it was me sending them the letters. I also directed them to respond to me via mail to my proper address. 
On XXXX XXXX I sent them a letter notifying them that because they took longer than XXXX days to respond that them must delete all accounts that I disputed in the pervious letter and I listed all the accounts in this letter as well along with the same documents to verify my identity. this letter was completely ignored as well. 
On XX/XX/2022 I also sent out my next round of dispute letters with all of the identity verifying documents. It is now XXXX XXXX and literally nothing has changed on my credit report! They haven't responded to my last letter which was almost XXXX days ago or my first letter which is almost XXXX days ago. 
Experian is not follow Fair Credit Reporting Act or their own XXXX XXXX compliance standards. As a federally protected consumer this is totally UNACCEPTABLE. 
In the last XXXX months I have gotten denied for numerous of things because Experian has fail to obey the law!
Consumer complaint received 2019-12-29
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (MO)

On XX/XX/XXXX our car was repossessed. The lender on XX/XX/XXXX sent a notice of default and right to cure. On that notice it had a repossession date of XX/XX/XXXX ( 15 days later ). They did not give us a full 20 days to cure and repossessed our vehicle. I called bridgecrest ( recording the call ) I asked what notices had been sent, when they were sent exact dates, and i asked how the notices were sent. She said email and text communications and phone calls. I asked if anything was sent by mail on the account such as notices she said no. She said the only notice sent out was in may. I made a complaint to XXXX When Bridecrest responded to that complaint they claimed they sent a notice and right to cure in XX/XX/XXXX by mail ( false ). I called bridgecrest XX/XX/XXXX and they said they was another notice in XXXX. So they lied and added information to my account i believe to match their story. ( i also recorded that call ). Even with their claim of sending a notice by mail it still against the law to not give me 20 days to cure after the notice. They only sent one notice prior they claim, that would only make this notice the second one therefore i have a right to 20 days. Tho i have proof they did not send a notice in XXXX.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (GA)

American Coradius International LLC sent me a physical letter saying I owe XXXXXXXX XXXX 

When I called XXXX they said this is a fraud. They do not work with this company. 

Can you please tell me if this is a legit credit collection agency? 

Thank you
Consumer complaint received 2020-06-09
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. (IL)

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/NAVIENT XXXX not mine DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized CERTIFIED XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized FACTUAL DATA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Consumer complaint received 2019-12-29
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.