davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: RateGenius Loan Services Inc (CA)

On XX/XX/2021 my wife and I were looking at rates to refinance a vehicle. We purposefully did NOT submit any applications as we are also mortgage shopping. This morning, XX/XX/2021, I received alerts that my credit reports had been pulled multiple times. On my XXXX Credit Report there is one inquiry from XXXX XXXX with no contact information whatsoever, and on my XXXX Credit Report there are 2 separate inquiries from the same credit union, XXXX. I contacted XXXX who claimed they received authorization from Rate Genius. Rate Genius 's employee, " XXXX '', advised me to dispute the inquiries but otherwise offered no assistance into the matter. 

I expect all inquiries to be removed as I did not authorize them.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GETM INCORPORATED (SC)

I have a collection in my credit report that I have not received any information or appropriate documentation whatsoever. I have disputed this item on several occasions but I never received anything back from the creditor or collection agency. It is a collection from Valley Creditors Service in the amount of {$2800.00}.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (GA)

The amount that they are trying to collect was not mine to pay they were suppose to charge my insurance and charged me when they had my insurance information. I called they have removed it but they are trying to make it stay for 90 days and that is not right because I do not owe them this money, my insurance had paid the money. They were never suppose to bill me
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-09-27
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. (MI)

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, equifax and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-09-27
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. (MI)

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( transunion, XXXX and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was looking to move to XXXX XXXX for my graduate program and found an ad on XXXX  that seemed legit. I submitted an email application and was told the remaining documents would be mailed. This started Sunday, XXXX XXXX when I received a response back. On Monday, XX/XX/2021 I was called and asked if I was ready to accept this housing opportunity. I had mentioned I was waiting on other responses from other locations and pressured me to give a response. I was asked to send money through XXXX to email XXXX who has a bank account with Chase because it went through. I did not realize it was a scam until this weekend and when I was demanding a refund Friday, XX/XX/2021, The XXXX person was becoming hesitant and trying to make me pity him because his attorney had found someone else who would pay a larger sum of rent in advance. I was calling him out and unfortunately, I had already lost a large sum of money equaling to {$2900.00}.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

After the pandemic, I called the mortgage company for a forbearance program in XX/XX/XXXX. 
Now I wanted to come out of this forbearance program and called the mortgage company last week on XX/XX/XXXX ; the mortgage company mailed the letter on XX/XX/XXXX, and its reach on XX/XX/XXXX to approved a deferral agreement of outstanding payment. To accept this, I need to pay {$1600.00} before XX/XX/XXXX. I called the mortgage company today and talked to XXXX and her ID XXXX and asked for the payment date to extend to XX/XX/XXXX. Because my payday is XXXX, XXXX told me they couldn't extend the date and would lose the house. XXXX is the supervisor for SPS ( Select Portfolio Service. their phone number is XXXX. They are threatening to foreclose the house.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2022-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I checked my credit report moments ago and noticed for the first time that I had an unpaid collection listed. I never received any notices about this balance. 

The collection does not list an original creditor. It simply lists the name XXXX XXXX. The amount is {$720.00}. This is fishy and I do not know what to do. Has someone stolen my identity? Is there a way I can get more information about this collection without paying money? 

Thanks
Consumer complaint received 2021-09-27
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. (IL)

Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (NY)

I wanted this card to help me fund a rather large purchase, about {$7000.00}. 

I came across this credit card because i was searching for cards with good intro APR and balance transfer terms.This card came up and the USBank site advertised " For a limited time, get a special 0 % introductory APR* ( view terms and conditions ) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49 % 24.49 % ( view terms and conditions ). Plus theres no annual fee ( view terms and conditions )! '' Based on this information, i decided to apply for the card based on this information. My plan was to make the purchase with the new card or make my purchase on an existing card and then take advantage of the " special 0 % '' fee on the USBank card. So I filled out the application. 

During the application, i found out that in spite of my excellent credit score, over 750 on both XXXX and XXXX, i was given a credit balance of only {$5500.00}. This was not even enough to cover the purchase. I accepted it because 1 ) my credit was already hard pulled at this point and 2 ) there was the balance transfer offer i could use. So i decided to go the balance transfer route. 

Now that I've submitted the balance transfer, I notice a charge for {$130.00} as a transaction fee! I then called customer service and they informed me that this is an expected fee. 

I feel this is a bait and switch and that i was lied to. This was not disclosed in the initial offering link that i followed. 

I would not have applied for this card if i had known there would be a fee. 0 % APR on balance transfers for 20 months does not mean that they get to charge me a percentage on any other fees that they decide to name something else. 

I have used balance transfers in the past and the fees have ALWAYS been disclosed on the offer itself! Burrying that information in disclosures and semantics is unfair and deceptive business practice. This is unacceptable!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

Ive been trying to get my registration switched back Over in my name since XX/XX/XXXX... they finally sent me the paper work to have it switched back over but its taken to long and Im getting the run around. Ive been paying for a rental car and making my car payment I cant afford to do both anymore I need my registration back in my name ... its bad enough I cant get the XXXX Ive spent on a rental car back .. now here it is almost another month I still cant XXXXXXXX XXXX XXXX and I still have to make payment or they are gon na repo my car and its not fair. How am I gon na keep getting back and forth to work with no car but yet Im still paying on a car that I cant XXXX XXXX. Im over Bridgecrest and how they did me was so unfair.
Consumer complaint received 2024-02-21
Product: Credit reporting 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 will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws. 

I have the right to privacy, and reporting information without my written consent is in violation of XXXX XXXX XXXX Furnishing account in direct result to my credit profile is in violation of XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

At the beginning of the pandemic approx. XX/XX/2020mortgage companies offered their customers a break from payments if they were affected by the pandemic negatively. That break was called a forbearance. I was offered a forbearance and took it. I had asked the mortgage company if it was all going to be due at once or if other arrangements could be made. They assured me that other arrangements could be made for repayment other than a lump sum. These other options included modification, or adding the payments to the end of the loan. The total owed after twelve months is around XXXX, They will not offer me any options other than lump sum repayment or sale of property. I feel as though they are going to steel my home. I have been here for 25 years. What an abuse of a system that was supposed to be used to help people keep their homes not loose them. Please look into this. The company is called Specialized Loan Servicing. Phone number is XXXX XXXX XXXX XXXX. I also have a second mortgage on the home with XXXX, and they modified my loan as described with no problem.
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, my husband and I went to get a car loan for a second vehicle because our son recently totaled our 2nd vehicle. When we applied we were denied by several banks, we asked why and they said it was because we were not making our payments on our current vehicle, he said that it claims we were on a deferment, which we were not So I looked at the credit report and it did not have any payments reported to the credit since XXXX of XXXX. I got home and called Wells Fargo Dealer Services, I told them the problem and the man I spoke with assured me it would be handled with in the next XXXX hours and in the mean time he would send me the payment history to prove we made payments and maybe the banks would take that for approval. Still we were denied, we waited a week and checked again, still nothing fixed on the credit report. A few days later I got an email saying payments were reported to my auto loan, I received notification from XXXX XXXX, so I checked, and they reported XXXX and XXXX of XXXX but still did not report payments from XXXX through XXXX.I then made a dispute with XXXX XXXX and it was kicked back as valid or fixed, not my credit says resolved but customer disputes. I called WFDS again and was put on hold for 20 minutes, I ended the call. I then called again and was told since I said I would contact you all I needed to talk to the office of presidents team and they were closed so I needed to call back. I asked the man for the number and he did not have it. I am at a loss right now, I can not get to work without a vehicle, I live in the mountains and can not even go grocery shopping. I am not able to get a car loan because of their reporting, not only that, where did the {$2300.00} in payments go, we are on the final end of our car loan and can not even get a correct pay off because they refuse to fix the missed payments. I can not access the link they sent my payment history on and since I can not access my account online. All payments were made, we were not on a deferment nor did we ask for one.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

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 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I just looked at my reporting and I saw that I have a late payment on XX/XX/XXXX and XX/XX/XXXX. However, they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This is a violation of my federal right. Can you help with this matter? Thank you.