davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2020-03-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

Im writing as Ive had a line of credit that dates back to the original line of credit with Washington Mutual. Since then the monthly loan payment has increased and with a fluctuating interest rate. All payments apply towards interest only and the loan will never be paid as the payment is never applied to the payment. My mother who had a stellar credit score now  has a poor credit score because her payment has increased to a level that she can not pay on time, barely scraping by each month. She has applied for a modification twice and Chase has denied her. This is the reason the real estate market crashed years ago! This loan is out of control and I think Chase is ripping off my XXXX year old mom, keeping her in a loan that has gone bad with no way to get out or pay off!
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recover Associates have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted Portfolio Recovery through certified mail requesting the following to information in an attempt to validate collection accounts What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To date this is my second correspondence with PRA and  they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (IL)

Account SYNCB/PPC WAS OPENED XX/XX/14 BALANCE TOTALLING XXXX HAS BEEN REPORTING TO MY ACCT. i NEVER HAD ACCOUNT WITH THIS COMPANY. i HAVE DISPUTED INFORMATION WAS POLICE REPORT MULTIPLE TIMES, IT CAME OFF AND THEN 2 MONTHS LATER WAS READDED TO MY CREDIT PROFILE. THIS ACCOUNT WAS FRAUDANTLY OPENED UNDER MY NAME AND INFORMATION
Consumer complaint received 2020-03-24
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. (NV)

I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXXAuto Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}
Consumer complaint received 2020-03-24
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. (FL)

A XXXX XXXX ACCOUNT WAS PLACED ON MY EXPERIAN, XXXX AND XXXX   CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, EXPERIAN, XXXX & XXXX CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX was informed by phone call that the underwriter wants to move forward with the foreclosure sale. Policy is policy. Informed bank representative that we are in bad times amidst the Coronavirus and massive layoffs. I was told that this is the underwriters decision and it is final. Policy is policy. Despite informing them that my father had deceased in the middle of loan modification, and this was beyond my control. I was informed again its the underwriters decision and the underwriter is the ultimate decisions maker. Basically admitting that the underwriter is more powerful than cfob, the president, the office of the comproller if currency. This led to the worst day of my life. Led to increased XXXX XXXX and I was enroute to the hospital. I wrote bofa urging them to take this issue seriously, rather than take advantage of tough times. This is the lowest form of ethical behavior. Please forward this issue to a Senior manager. I will get complaint to the President if the United States. I believe in the rule of law. I believe this can be modified and restructured due to devastating circumstances beyond my control. Thank you
Consumer complaint received 2024-01-10
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. (NY)

In 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-03-24
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. (NJ)

On XX/XX/2020 I submitted a dispute thru CFPB about the reporting of an account by Equifax Credit Bureau on XXXX XXXX. Equifax confirmed receiving the dispute on XX/XX/2020. The investigation was completed on XX/XX/2020. This investigation took a total of 44 days. According to the New Jersey Fair Credit Reporting Act, The Federal Fair Credit Reporting Act and a statement by Equifax the LAW states that the investigation must be completed in 30 days or the account by XXXX XXXX must be deleted.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MO)

Hello CFPB rep please find below, On or about XX/XX/2020 XXXX XXXX XXXX XXXX contacted me about a debt owed previously by another company of JCPenny credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as XXXX XXXX  address XXXX XXXX  XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX  and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover
Consumer complaint received 2020-03-24
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. (MD)

I have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the debt
Consumer complaint received 2020-03-24
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: Duvera Billing Services, LLC (CA)

Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX  cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc. (TX)

My daughter was seen at a XXXX XXXX urgent care clinic XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX. We received a bill on XX/XX/XXXX for a {$30.00} copay which was paid that day through the website listed on the bill. On XX/XX/XXXX I received a collection from Nemo 's  Investigations and Collections XXXX XXXX XXXX XXXX AZ XXXX claiming to be collecting on behalf of XXXX XXXX XXXXXXXX XXXX demanding the {$30.00} payment with {$0.00} interest and claiming that my debt will be reported to the crediting agency if I do not pay. I have attached my receipt from payment as well as the letter.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX  decides to stop functioning when I use the " Convert Rewards '' function on my Venture X. I can use my phone number to receive codes any other way and it works flawlessly, as soon as I use it to " convert rewards '' to an airline partner it gives me various different errors depending on the troubleshooting method I used. Was on the phone for close to 2 hours to end up being told its a known bug and they are doing nothing to fix it, the technical service agent also complained that no one is doing anything to fix the known isssue.
Consumer complaint received 2023-05-17
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I've requested a Validation Of Debt under 15 USC 1692g and a request for Disclosures from Lexus Financial Services and Toyota Motor Credit due to the wrongful actions described in the letter, In fear that the wrong company and/or entity was benefiting from my intellectual property so i sent certified mail of Validation Of Debt Request, Tracking Number : XXXX which was received XX/XX/2023. As soon as it was received there was a post on my credit According to the FDCPA They CANT Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt OR Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. 


As they have done both and posted the debt without specifying the debt as disputed while sending me a letter stating they will stop all further collections of the debt and on the other hand, posting on my credit. 



It's been well over a month and I have not received any Validation Of Debt So i called the credit bureaus XXXX, XXXX, and XXXX asking for them to remove the account which they are refusing to and my guess is because they don't have the power to do so. I asked them how are they able to post without validation and they said only require confirmation from the " creditor '' and it's up to them to send It to me, when i explained they are not sending it they told me to contact you guys. I've already sent cfpb the validation of debt letter around the same time I sent it so they'd have record of it and now I am trying to get it removed since the alleged " creditor '' and/or " debt collector '' wont provide none of the information required in 15 USC 1692g XXXX
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TN)

I went to the hospital 4 years ago, the hospital failed to bill my insurance ( verified with insurance they never received anything ), hospital failed to reach out to me in any way, then sent me to collections to pay a {$2000.00} bill.
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

We purchased a yacht in XXXX with a loan of {$150000.00} with a total purchase price of {$210000.00} The loan originated through XXXX and was serviced for many years then became XXXX XXXX XXXX. 
In XXXX Santander Consumer Lending became the new loan service company. 

It was a 20 year loan that would be paid off in XXXX We paid the loan off early in XX/XX/XXXX in Full Santander shows on two of my credit reports showing the loan paid in full and a charge off. On the XXXX  report they have two reporting, one report shows the payment that paid it off on XX/XX/XXXX The second Separate reporting shows the loan had payments made during the months of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXXand showing it as a charge off account in XX/XX/XXXX XXXX  told me that they would delete the account that shows the payments and leave the reporting that shows the account as a Charge off. 

Santander Consumer USA phone is ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Our loan number was XXXX
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/20 - Applied with Chase Home Mortgage with XXXX XXXX. 
XX/XX/20 - Provided XXXX aka XXXX with all requested information to receive a quote on a Mortgage refinance - Details below 1. Est. Home Value XXXX 2. Loans - XXXX primary Mortgage XXXX Heloc 3.  LTV of new loan 60 %, 4. Interest rate 3.25 % 5. Points 2.315 %. 
XX/XX/20 - Further discussion Points was reduced to 1.69 %. 
XX/XX/20 - Accepted terms of XXXX Loan 3.25 % interest rate and 1.69 % points. 
XX/XX/20 - Paid {$500.00} deposit based on accepted terms, advised not refundable unless the deal doesn't close. 
XX/XX/20 - received new loan estimate with different terms than agree 'd. XXXX loan, 3.25 interest rate and 2.315 % points. 
XX/XX/20 - Spoke to another representative ( can not remember name ) - advised I was not happy with the new terms I did not agree to. Was told XXXX ( XXXX ) would call me back the same day. 
XX/XX/20 - No word back from Chase or XXXX, sent an email to XXXX that I do not accept the updated terms and requested to cancel the process and to refund the {$500.00} deposit as Chase was not living up to and not timely correcting the issue. I have lost faith in the integrity of Chase. 
XX/XX/20 - XXXX finally made contact and refused to take responsibility fix the issue or refund the {$500.00} deposit. Again requested via Email to cancel the transaction and return the {$500.00}. 
XX/XX/20 - XXXX XXXX of Chase sent an email requesting I continue to submit documentation to push the loan further. I made him aware that on XX/XX/20 I requested to end this transaction and request the return of the {$500.00} deposit as Chase was not honoring the terms I agreed upon. 

I was confused as to why XXXX ignored my request to terminate the process, and I have yet to receive the {$500.00} deposit refunded back to my credit card. 

I agree 'd to pay the {$500.00} deposit based on the lower point terms, I was hesitant to pay a deposit based on the 2.315 % points and only after being offered the 1.69 % points was I comfortable paying the deposit. To me this is a bate and switch poor salesmanship trick. 

Time Stamps of all 5 files being provided. 

1. 1st Loan Estimate, not accepted, not locked - XX/XX/20 XXXX XXXX  2. 2nd Loan Estimate, accepted, not locked - XX/XX/20 XXXX 3. Lock in Agreement, Accepted, XX/XX/20 XXXX 4. 3rd Loan Estimate,  accepted, locked XX/XX/20 XXXX 5. 4th Loan Estimate, NOT accepted, locked XX/XX/20 XXXX
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (NJ)

Experian has ample response to respond to remove unauthorized and inaccurate information 1. XXXX XXXX XXXX - XX/XX/2020 2.  XXXX XXXX XXXX - XX/XX/2020 please have them remove these inquiries.