davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please Remove the fraud alert from Transunion, XXXX, XXXX immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, TX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2023-07-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-04
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: EQUIFAX, INC. (NJ)

XXXX XXXX  Credit Card was reported on to my credit profile on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am victim of identity theft because I didn't apply for this credit card and I don't own this credit card I have contacted the credit bureau and put a security feeze on my credit profile. I reported this as identity theft.
Consumer complaint received 2024-06-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (WA)

I've applied 3 times to get my loans forgive or cancel. I've been denied all XXXX time this year. Navient stated that I didn't quality. Here are the dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been trying since XXXX. I like my loans to be cancel. 

Navient Current Amount XXXX- {$59000.00} XXXX - {$25000.00} Loans end XXXX. 

I've been paying on these loans since XX/XX/XXXX. 

Please help!
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

A loan under my name was takin out in XXXX XXXX XXXX I have filed a complaint against LVNV Funding LLC. before, and I have not gotten any help. I just sent them another message today, and asked to speak with a manger or higher up. I also wrote them a message in the past asking to talk to a manger or higher up. That never happened. My credit score continues to decrease because of this fraudulent loan, and LVNV Funding LLC does not help resolve the matter. I do not want my score to decrease again. I have also contacted other law enforcement agencies regarding this, and hope they can help me.
Consumer complaint received 2024-02-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC (LA)

XX/XX/XXXX I called in to see if I have a foreclosure date, the representative told me my foreclosure is postponed and that I can submit documents to start my short sale. I checked with the foreclosure attorney, who said my auction date is XX/XX/XXXX! The company lied to me. I called Loan Depot today and they said I have an auction now and they won't delay it! That is unfair and wrong for them to be able to tell me one thing and then tell me something else then why wont postpone it so I can resolve the issue!
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

My issue has been resolved but I am advocating for the greater good. 

I was charged a late fee on my credit card bill due to being on pacific time and the bill needing to be paid by east coast XXXX time. Since I am always on time they reversed the {$27.00} charge. 

However, I asked them whether they were aware that per a new ruling by you and the Biden Administration they are only allowed to charge an {$8.00} fee. The supervisor stated she was but that Chase had not given them direction about that. 
Now I am sure there are many that are not even aware of this. 

My plea to you is to nudge these credit card companies and make sure they are not charging people these fees. I can imagine that many do not even know about this. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX How will you enforce or communicate better that they are not allowed to charge these fees?
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (WI)

In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to XXXX. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.
Consumer complaint received 2022-12-12
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. (GA)

On XX/XX/2022, I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit report file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from credit file. XXXX has now exceeded and surpass the designated time frame given under federal laws and FCRA guidelines. The account in question is as Follows XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXX, I made a purchase at Ashley Furniture XXXX XXXX, financing {$1800.00} ; 1-year same as cash, minimum monthly due of {$65.00} by the XXXX of the month, first payment due XXXX XX/XX/XXXX. ( Financing provided through Synchrony Bank ). The following paid dates are the dates payments were credited to my account : XX/XX/XXXX Stmt paid XXXX ( 10 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 8 days early ) ; XX/XX/XXXX Stmt paid XX/XX/XXXX ( 7 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 14 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 19 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 38 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 26 days early ) ; XX/XX/XXXX was paid XXXX ( 25 days early ) ; and XXXX Stmt, final payment, was paid XXXX ( 31 days early ). ALL of my monthly payments were paid EARLY, the amount financed was paid off in 8 months ( 4 months early ), yet Synchrony has charged me monthly {$30.00} financing fees since XX/XX/XXXX. Phone call & posting this info to my online account has been to no avail. Synchrony Bank refuses to address the invalid financing fees, which make up the so called balance due ; and they keep charging these invalid fees. Apparently, Synchrony Bank has an unscrupulous agenda, and they aren't budging.
Consumer complaint received 2023-07-05
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. (WA)

On XX/XX/2023 I sent Equifax a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ACIMA CREDIT, LLC (MD)

I purchase a set of furniture from XXXX  in XX/XX/XXXX and the sales rep told me to apply for credit from Acima who will automatically enroll me in a 3 months autopayment which i agreed. I was told auto pay will start in XX/XX/XXXX but to my surprise it started in second week in XXXX. I also made initial payment at the store at the time of purchase. An amount of {$300.00} was set up by ACIMA and was being taken from my account bi-weekly to make up for the {$3100.00} I owed them. Acima withdrew money via auto pay biweekly from mid XXXX to mid XXXX successfully. After 3 months i noticed i was being charged so i called Acima and they told me i still owe {$5000.00} because i did not pay the {$3100.00} within 3 months. 
I explained to the Rep, Acima enrolled me in auto payment and they came out with their fixed amount 0f {$300.00} to be charging for 3 months. Also, i made some payment at the store and Auto pay was to start in XXXX not XXXX. I was also made to understand at the store setting up for auto pay was the best option to avoid payment default and late fees. i have never defaulted on my payment unless Acima can prove otherwise. ACima deliberately charged me less in order for me to make two additional payments after 3 months. That will mean i did not finish payment within three months so i have to pay {$5000.00} as penalties. Their actions can be linked to a " confident tricksters '' who read in between lines to exploit people. How do u set someone up with an amount to pay within 3 months then it exceeds the duration?
Consumer complaint received 2022-12-01
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was defrauded, extorted and held ransom by moving companies, including charged {$8000.00} to my XXXX Bank of America Card by a company that I did not hire and that is not in my contract. The company, XXXX XXXX XXXXXXXX XXXX, that charged me {$8000.00} also does not have an active business license to operate and does not have a mandatory federal motor carrier XXXX XXXX to operate legally in the United States. 

Bank of America has not resolved the issue, nor has Bank of America provided me with clear and consise info on what they need from me, nor has Bank of America provided me with clear and concise info on what payment amounts are due during the fraud / billing duspite is in investgation. 

I have provided Bank of America with nearly a hundred pieces of evidence that clearly supports my claim. I have called tirelessly since XXXX to provide anything they need and have asked for speficics on what they might need to resolve and they have not called back nor provided me with the information. 

I was orginally charged {$3700.00} on XX/XX/2022 by XXXX XXXXXXXX XXXX, who defrauded me with lies and fake information to obtain my business and did not honor my contract. XXXX relocations claims they are award winning movers, who have been in business for 46 years on their website, which are lies and fake informantion in order to lure in customers to defraud themXXXX XXXX XXXX XXXX the info on the site is fake. 

I was then charged {$8000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX, who I did not hire and again who are not in my contract. I do not have a contract with them. 

Both of these companies involved in these charges have a long documented history of extrorting, defrauded customers, which is racketeering. 

I have been trying to resolve with Bank of America since XXXX. I have been a customer of theirs for 20+ years and I'm a XXXX XXXX however I plan to shutdown all accounts if not resolved.
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I am a XXXX veteran. I was homeless. XXXX XXXX XXXXXXXX is a non profit that has a XXXX XXXX program for homeless veterans. XXXX XXXX XXXXXXXX moved me into XXXX XXXX with 12 month lease. XXXX XXXX  XXXX staff facilitated a section XXXX application for my housing longevity. They did not pay the exiting fees of 2 months rent. The delinquency went to collections. I asked XXXXXXXX XXXX XXXX to help me with collections process. A case manager said XXXX cant help with collections. So I am currently in the process of writing a grievance to XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX because they promised to pay this via contract. There is no way for me to pay this. It is negligent for XXXX XXXX XXXX, a non profit for veterans, to place me in a housing circumstance that compromises my financial, medical, and food security.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH XXXX, EQUIFAX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. XXXX STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH XXXX, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, EQUIFAX, XXXXXXXX XXXX XXXX XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

My loan was granted a federal government loan modification under the Make Home Affordable program in XXXX which the government granted amounts to defer and other amounts to forgive in increments. In XXXX Ocwen and PHH assumed the loan and I have been disputing the numerous accounting errors, loan servicing violations and unlawful fees adding to thousands of dollars which escalated in XXXX in when PHH rejected 3 mortgage payments and imposed a new loan modification agreement threatening to default and foreclose if I didnt sign this agreement within a short deadline This new modification was a one sided agreement that increased my principle balance from {$320000.00} to {$400000.00} this reversing the federal government grants and added back those amounts. Since then my principle balance has not been credited any payments and in XXXX it is still {$400000.00}
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (CA)

SEQUIUM ASSET SOLUTIONS, I have written this company and certified mailed them asking for a debt validation letter and to stop contacting me. They emailed me this morning asking for money for a debt I do not owe. I have also forwarded them a copy of a letter from the last debt collector that could not provide me with a debt valid letter. This company should remove themselves from my credit and stop collecting efforts
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (IL)

Hi, I have received the results to my previous complaint. Not only has XXXX XXXX XXXX inaccurately reported my account to the credit bureaus as included in bankruptcy for the past XXXX  years, now they have changed it to collections. XXXX XXXX XXXX has responded saying that I have signed a contract for this debt. I have not received this signed contract. A lawful contract has all of the XXXX elements. 
XXXX. Full disclosure I was not told that I would be creating the credit with wet ink signature XXXX. Equal consideration ( XXXX XXXX XXXX brought nothing of value to the situation and therefore had nothing to lose ) XXXX. Lawful terms and conditions XXXX. Wet ink signature of both parties. 

at this time, I am requesting validation of original debt. Please send me a signed contract with all XXXX elements mentioned above. I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. 
I am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g I demand a full file disclosure in pursuant to 15 U.S. Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. 

I have reason to believe and do so believe, without all requested documents herein there can be no proof of claim by Consumer Portfolio Services and Consumer Portfolio Services would be liable for creating a false and deceptive form under 15 U.S. Code 1692j
Consumer complaint received 2023-05-21
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. (MS)

n 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. 

Account name : XXXX Account number : XXXX 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

I attempted to assist my nephew in purchasing a vehicle. I was going to be the primary person on the contract. I received several notifications of hard inquiries that did not belong to me. I did not sign any contract and gave my nephew money towards his car. I received a letter from the bank I have my checking savings and retirement accounts with has denied me a credit card due to an auto loan. The company in question is XXXX XXXX of XXXX NC. ( XXXX XXXX XXXX. XXXX NC XXXX ). I spoke to a representative he acknowledged I did not sign any agreement but my information is a loan application that I did not approve. I have no affiliation with this company and would like the adverse information removed from my credit reports.