davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS is not giving me a modification. The loan number is XXXX I was told by SLS that I could make a single payment 2 months ago. Then, in the following week, SLS told me that the loan had been sent to foreclosure attorney, just a week later. 

I am a XXXX XXXX XXXX Veteran, and I have long XXXX ( see XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX ). 

Time is of the essence to stop SLS from foreclosing. 

They said they sent this to foreclosure attorney on XXXX XXXX. I learned that a Notice of Default was filed on XXXX XXXX. This is unjust, inappropriate, and must be stopped by Federal regulators.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I was recently reviewing all three of my credit bureaus from XXXX XXXX, Equifax, and XXXX. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.
Consumer complaint received 2023-07-24
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: JPMORGAN CHASE & CO. (KS)

On XX/XX/XXXX, I was trying to pay a bill to XXXX XXXX for my daughter 's college to XXXX XXXX XXXX for the amount of {$900.00}. I was charged twice on this date. I disputed one of the charges with my credit card company, Chase Freedom. On XX/XX/XXXX, I received payment back from XXXX XXXX XXXX for {$900.00}. I called Chase Freedom to cancel the dispute on XX/XX/XXXX, due to the fact that I received a refund check from XXXX XXXX XXXX that uses XXXX XXXX. When I cancelled the dispute, Chase Freedom rebilled XXXX XXXX for {$900.00}. XXXX XXXX uses XXXX XXXX  and they never recieved the rebill amount of {$900.00}. I called Chase Freedom back in XX/XX/XXXX and was told that Chase Freedom released the funds on XX/XX/XXXX and that the funds of {$900.00} was accepted on XX/XX/XXXX. They told me there is not a routing or processing number to verify where it was sent. I sent all this information along with my credit card statements to XXXX XXXX XXXX so that they could pass that information along to XXXX XXXX, which is XXXX XXXX. XXXX XXXX  can not find that transaction at all. I went into XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX who is the head of the business department. Together we both talked with Chase Freedom on the phone. We were hung up on twice and told that Chase Freedom did send a rebill amount of {$900.00} to the initial merchant but that they did not have a tracking or processing number because " that is not how they work. '' They said the credit card statements I have is proof enough that a payment was made. XXXX and I both stated that without a tracking or processing number it doesn't prove that the money went to the correct account. I was told there was nothing that I could do, and that I was out of the {$900.00}. I asked if I could dispute the rebill charge and I was told that it was too late. I have called many times since XX/XX/XXXX in regards to this problem and kept getting the same answer that there is no more information that they can give me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  - Date of inquiry : XX/XX/year>
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my husband and my credit.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX 2017, I paid off 2 Capital One credit cards ( last 4 digits, XXXX and XXXX ). In the meantime I had canceled my XXXX XXXX account, deleting all credit cards listed on this account. As time passed, my XXXX XXXX ( which had been canceled ), came up for " automatic renewal '' I assume XXXX searched my account the account ending in XXXX, I would hope ans assume, if not there's another issue. On XXXX I was billed for the renewal, I called both XXXX and Capital One dept 's. service and explained, After multiple attempts to close both of these cards, which have not been used since being paid off, I have continually been forced almost monthly to close both accounts. I just got off the phone with XXXX XXXX, i was instructed to contact XXXX, sorry, I'm finished with his issue.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, EXPERIAN, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Consumer complaint received 2018-07-16
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: Experian Information Solutions Inc. (GA)

I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Consumer complaint received 2022-05-23
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 would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. System Account # XXXX Balance {$1900.00}, Account Name : XXXX  Account # XXXX Balance {$140.00}, Account Name : XXXX XXXX XXXX Account # XXXX Balance {$940.00}, Account Name : XXXX XXXX  Account # XXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

Company named Square, inc/Block , inc running a payment processing website for small business named XXXX few days ago, they deactivated my account and suspended XXXX of my transactions ( XXXX held and XXXX went through earlier ) those XXXX which had been held by them with the amount XXXX $ as they refuse to release them for the coming XXXX days under so called potential chargebacks or disputes. 

they offered a full refund option to my customers, but my customers refused to get refunded because their banks will charge them additional fees for the refunding transactions as the currency exchange rate by their banks changed to higher rates causing them to lose around XXXX XXXX of their money value if not more. 

I contacted XXXX XXXX support dozens of times through their live chat, calls and through other platforms for complaints like BBB as they replied with same answer " We keep them as a reserve for potential disputes or chargebacks ''. 

As for those XXXX transactions which went through, they indicated that they will charge any disputes or chargebacks to my bank account as I asked that the XXXX suspended transactions to be released to my bank account as if there was any disputes or chargebacks for the XXXX of them to be charged to my account but they totally ignored my request saying that the decision is final. 

Now, my customers are going to file complaints against me in person and my business and possible court lawsuits for not getting what they paid for " Package forwarding Service '' as I can't pay them out of my pocket which I also informed XXXX about with no action done by them to solve this issue.
Consumer complaint received 2019-09-23
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. (GA)

XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2023-04-08
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. (SC)

The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX XXXXXXXX  no. XXXX XXXX- acct no. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Digital-paid in full XXXX-acct no. XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are not mine. Please remove.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have mail and fax Transunion to remove old outdated obsolete incorrect information and they still have not done so referXXXX you closed the case still XXXX  XXXX listed on my account all three CRA and XXXX XXXX have copy of XXXX XXXX letter stating XXXX  XXXX does not own account and its not my account please remove personal -information 2 names not me,15 inquries I did not make, XXXX, XXXX XXXX not showing as protested I fax them the information again the 6th time now to remove it. this is and has been a violation of the FCRAeven under section 623 { a } { 8 } { 7 } they do not comply Section 611 No comply Section 609 No comply when to they get find for consumer violations I have protest now over 6 months shown proof that account are not mine but still there they are on my report
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am requesting that this item be removed from the credit bureaus immediately. I have not open an account in XX/XX/2018 with XXXX. This is an error. I have XXXX service for years. The amount reporting is {$430.00}.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I am not liable for the debts with XXXX or XXXX XXXX XXXX and do not have a contract with Portfolio Recovery. On XX/XX/XXXX, Portfolio Recovery began reporting a balance of {$620.00} on behalf of XXXXXXXX XXXX as an open balance on my credit reports with XXXX, XXXX and XXXX. I disputed the debt and asked them to validate the information they are reporting. They did not provide me with the original application like I asked or any signed contracts they claimed I have with this bank or their company. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$1100.00} for XXXX XXXX. I disputed this debt and do not acknowledge ownership of this account. I filed a dispute with the credit bureaus to resolve the issue and the account was not validated or removed. On XX/XX/XXXX ; Portfolio began reportion a balance of {$1100.00} on behalf of XXXXXXXX XXXX to my credit reports. At this point it seems that they are attempting to evade credit reporting laws and report duplicate accounts to my report without providing proof to the consumer. I disputed this account for ownership and somehow, the business was able to slip through the cracks and report the erroneous account regardless of ownership to my credit report for a third time with the same bank. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$670.00} for XXXX XXXXXXXX XXXX to my credit report. I have disputed the validity of this debt with XXXX through XXXX XXXX and the business stated that the information was accurate and the dispute was closed.