davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.
Consumer complaint received 2022-03-25
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: Atlanticus Services Corporation (AZ)

References : XXXX & XXXX Fortiva has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one charged me over {$140.00} in interest on the last statement, despite i had paid them over {$6800.00} in payment during the billing cycle. Their average daily balance used to calculated interest rate was based on balances over {$9000.00} per their supervisory representative. I had at any time came close to averaging that type of balance. I requested supervisor to include me work out of their calculations and she refused. I requested to escalate the issue to a supervisor above her and she refused.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I received a alert from XXXX XXXX that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX
Consumer complaint received 2022-12-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I in the beginning of the Covid pandemic applied for a forbearance and was approved because of the cares act and was then later presented with a modification in which I thought was going to provide me with being able to put the payments missed during the forbearance at the end of the loan by extending the mortgage end date. On XX/XX/2021 I signed and had notarized and then sent the documents back to Loan Care LLC. I then received a copy back from loan care LLC dated XXXX XXXX, almost 6 months later, notarized by Loan Cares Notary saying that enclosed is a copy of your executed document. Please retain this copy for your records. We are pleased to have been able to work with you on this matter. I then received another copy dated XXXX XXXX of the same thing. I then make 5 payments of the agreed {$700.00} payment. And then receive another package that looked just like the package I signed in XXXX of XXXX. I then call Loan Care LLC to figure out why I received another package and I received several different vague answers from multiple agents at loan care. I spoke to supervisors in their leadership department that told me it all looked good and Payments were made as agreed to and there notes said that no further action is needed from me but they would email the underwriting department to see whats going on and that they would call me back. This happens approximately 10 different times and all 10 times never received a response back. I then start receiving letters from loan care LLC saying my house may go to foreclosure soon and I should call to settle this matter in which I did. Every time I called on this matter to see what was happening the agents told me that things were in process with loan care LLC and not to worry that it was just crossed in the mail and I need not to worry. 
I then receive a letter from an attorney both by regular mail and certified saying that I am in foreclosure and I had 30 days to contest. I immediately call loan care LLC and they said its because I didnt respond to the second document package that they themselves told me not to worry about and they would work this out and call me back which they never did. After 2 weeks of stressful worrying and calling them back almost everyday during that period was finally able to get the foreclosure suspended pending review. I then with no calls from them ever was sent a package regular mail that extended my mortgage by 20 for years so a total of 40 years at double the interest rate and {$220.00} more a month even though I was 10 year into a 30 year mortgage making me only have 20  years left. I call them back after the XXXX holiday and they tell me Im past my date of approval to put the remaining payments at the end and I wouldnt be if they didnt mess up the original paper work. Please help me!
Consumer complaint received 2024-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

I started using Chass XXXX XXXX  to take credit card payments from Customers and a Customer paid me {$15000.00} for work we completed for him and Chase/WePay has not deposited it into my account. Instead I received notice that they closed my account and will hold my {$15000.00} for 120 days. 
I am a XXXX XXXX. I rely on that money to run my business and support my Family. I now have a negative checking account balance, can not work because I cant buy gas, cant buy food for my Family and all my bill payments are bouncing. I can not buy materials for work or get gas so I have to sit home, hungry and not do anything. My Health Insurance payment failed last week because of this. My Wife NEEDS our Health Insurance for XXXX XXXXXXXX XXXX. Chase and WePay are going to make my XXXX XXXX and put her XXXX XXXX XXXX to steal money I worked for!!! Who gives anyone the right to take XXXX  XXXX of money I worked for ... XXXX XXXX  is A LOT of money and not {$100.00}. I don't know ANYONE THAT CAN HAVE XXXX XXXX STOLEN FROM THEM AND SURVIVE. 
I have a XXXX XXXX XXXX XXXX who can't eat or go anywhere because of This. Who is going to tell him why XXXX is so XXXX and why we can't make her better? Is Chase and WePay going to do that? I have requested to speak to supervisors and even their CEO and I am ignored. I will make this go viral and will share with the world how Chase doesn't care about their Clients and definitely doesn't support XXXX XXXX or small business. My entire world is ruined because of Chase and WePay so it's only right I make sure this world cancels them too and makes the stock drop down to XXXX
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (GA)

XXXX XX/XX/XXXX we got the okay to defer our car payment for that month and an additional month would be added to the back end of the contract. On XXXX XXXX I made my car payment for XX/XX/XXXX. The break down shows my car payment only ADDED interest, didn't take away interest or principal, it only added it. The payment was {$690.00}. I also noticed that my payment went through as XXXX XXXX when it has always went through XXXX XXXX.
Consumer complaint received 2020-03-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA 3 three FRAUD LETTERS XX/XX/XXXX transactions total {$810.00} creditcard end XXXX XX/XX/XXXX STATEMENT of. XXXX XX/XX/XXXX. {$810.00}. see attatched ID THEFT of Transactions beginning XXXX XXXX see attatched USAA INACURATE CREDIT REPORTING. Kindly note ( page 13 of 26 ) Account XXXX date opened XX/XX/XXXX PAST DUE Reported XX/XX/XXXX INCLUDED IN HISTORY FOR THIS ACCOUNT CLEARLY SHOWS ** ( page 14of 26 ) XXXX XX/XX/XXXX date last payment XX/XX/XXXX CIRCLED *** two years before it was on account?? Kindly Note I have found WHY USAA CREDITS OF XX/XX/XXXX, these letters not sent reguarding fraud of XX/XX/XXXX until XX/XX/XXXX, DISAPPEARED??? 
USAA CLOSED CARD XXXX ** NO STATEMENT EVEN PROVIDED WITH THIS CARD ENDING XXXX. NO INFO PROVIDED TO ME. The entire thing disappeared after I reported fraud XX/XX/XXXX, XXXX of {$470.00} USAA REFUSED ME STATEMENTS CARD ending XXXX. USAA REPORTS FRAUDULENT DEBT and Collects on ID THEFT see attatched XX/XX/XXXX.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with XXXX  file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

I advised I had no account with them XXXX nor did I have a contract with them .and to please provide documents to me. They said you dont have a account but u owe us because we bought your account from another company.