davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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: SYNCHRONY FINANCIAL (WA)

No proper investigation. Tender of payment was received in the amount of XXXX Proof of tender sent 3 times. 
In accordance to FCRA XXXX  acct # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (LA)

I sent my relative {$80000.00} check. Someone stole the mail and erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. 

So if you sent a check to someone, let 's say {$50.00} for a XXXX  gift, and someone altered it to XXXX. You will be on the hook for the full {$5000.00}. Let that sink in. So anyone will be affected if Chase is not held accountable for their action. They need to train employees better and be held accountable. My friendof a friend encountered a similar issue. It seems like there is going on at Chase. I think you should do a story to protect yourself and all the consumers because you will never know what will happen to you in the future. Consumers should be protected in cases like this.
Consumer complaint received 2020-09-26
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. (MO)

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX  XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX  ( XXXX )
Consumer complaint received 2021-02-04
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: Southwest Credit Systems, L.P. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Sw crdit systmes inc Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have made my payments on time going back a long time. Sometimes it is close to the due date, but they keep hitting me with Late Payment Charges and I have to call them to try to get it removed. I even noticed it on my Credit Report a few months ago and had to dispute it. Each time I call and fight with them over it, they give me a credit for the late fee that I should not be getting.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I was reviewing my consumer report when I noticed this collection from Americollect Inc. 
I don't know what this is for, therefore I sent a debt validation request on XX/XX/2020 and based on tracking it was received by Americollect Inc. on XX/XX/2020. I only received a statement however this still does not validate my request pursuant to15 USC 1692g.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: INDEPENDENT BANK CORP. (MA)

I paid off an installment loan early which was the loan I used to buy my XXXX XXXX. I paid it off on XX/XX/20. The last statement I got was XX/XX/20. I asked four times for them to send me a statement for the last month and they will not do it. I do not have the amounts for how much went to principal and interest. Also they charged me a prepayment fee ( which they later reversed ). The loan had a prepayment penalty if I refinanced with another bank but I did not refinance. I do not have a statement after XX/XX/20 and the payoff was XX/XX/20. I believe I should have a statement for any month that had a transaction.
Consumer complaint received 2020-10-03
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. (TX)

The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The account type is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. The loan type is incorrect. Correct it or delete it. XXXX XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance amount is incorrect, correct it or delete this account. The payment history is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record XXXX XXXX XXXX PENNSYLVANIA # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX and they also conveyed to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting.

Thank you.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CO)

Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

Navient / XXXX XXXX XXXX Navient / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-02-18
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. (TX)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2020-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Opened my online accounts savings and checking XX/XX/XXXX XXXX and XXXX to transfer money to my other accounts and money to help with family emergency and the bank has now took my accounts and I no longer have access to them they put them under my boyfriend fiances s.s.number and name the accounts were not ever in his name or anything else there were no documents ever signed by me or any other email phone call sign to add him to anything ... on my accounts I contacted bank wellsfargo and they gave me a case number only one one account and now are saying nothing is there XXXX in one XXXX in other. I have proof of original accounts and money I tried to transfer with there emails to
Consumer complaint received 2020-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Onity Group Inc. (KY)

On XX/XX/XXXX, Option One Mortgage Corporation, a California Corporation said they gave me a loan and were the lender on that closing day 's Mortgage, but were neither registered with the California XXXX XXXX or with any of the other 2 liscensing California Div. of XXXX XXXX or the XXXX XXXX XXXX XXXX. I do not believe XXXX  was the source of those funds as an investor # XXXX has been claimed by Ocwen Loan Services of Florida. But other Servicing cos. such as Option One Mortgage Servicing, XXXX, XXXX XXXX, Ocwen Loan Servicing and PHH of Ohio are involved. 
Ocwen was named as a debt collector to me as both the Lis pendens filed for a court action in XXXX and in many letters filed back & forth to my home as a debt collector. Ocwen and all the other named companies never answered any questions about the right or authority to make any offers or modifications to any loan or for the rights to be XXXX or require pymts. to the m from me for a mortgage that did not have their name on it or any pother company on it than XXXX. 
So, I want to see the source of the funds on the wire transfer sheet for that day, XX/XX/XXXX.
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AZ)

XX/XX/XXXX. 2023 debt in the amount of XXXX showed up on my credit report without any prior notification via mail. I have no knowledge of any debt I owe. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. If additional information is needed please contact me by email or phone. 
AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX, XXXX, AL XXXX Credit agency effected XXXX and XXXX
Consumer complaint received 2020-10-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (SC)

I had a three yr lease on XXXX XXXX XXXX. My lease expired before the XXXX models were released, so I extended my lease on month to month basis until new model year was released. My monthly payment for the extended lease was {$950.00} a month. In XXXX I entered into a new lease. My XXXX lease ended on XX/XX/XXXX. I paid XXXX invoice on XX/XX/XXXX. I entered into a new lease on XX/XX/XXXX as the XXXX falls on a Sunday and there is no way to return or accept a vehicle as dealers are closed. On Monday XX/XX/XXXX, I took delivery of XXXX and returned XXXX. I requested that my XXXX payment of XXXX be returned to me. XXXX XXXX denied my request after repeated calls, saying I should have returned the car on Sat the XXXX. My reply was that 1. I had paid to use that day in my lease 2. my new car was not ready 3.And that the monthly lease expiration fell on a Sunday. They refused, even with me buying a new car from them. Thus I wound up paying {$950.00} for one day of use.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX  XXXX XXXX Late Payment Account XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX  XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2020-10-03
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: ERC (OH)

Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY CO L # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX  # XXXX
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-03
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. (VA)

For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX University.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

This is my 2nd Complaint against XXXX. As of this complaint they have still not applied my XXXX payment for XXXX properly which has acquired a late fee. By them Not applying my payments properly this has Also produced a Deficit in my escrow, Also I'm paying pmi insurance which i no longer need.I have been patient and tried to work with them to rectify this situation, this is my 2nd complaint. the uploaded information will show i have paid my mortgage on Time every month, Their INCOMPETENCE has led to total Kaos and confussion.I 've even asked for them 2 Sell my mortgage. if they review the attached documents they will see where Their Incompetence has cost me both Time and Money. After this complaint, I will be retaining an attorney to sue, Expose them on social media for the Frauds they are, alert every news station possible for an investigation in to their practices.I 'm tired, We are in one of the worst crisis and they are to XXXX  to properly apply a simple mortgage payment that was coming every 2 weeks? I changed XXXX payment to 1 and sent it at the the end of the month, as the document will show IT WASN'T applied properly meaning the xtra 100.00 is Unnapplied. Call me talk to me, lets go Over my payments from the start and assess my escrow and fix this, Please? I promise I'm Not Going away and you will be exposed for the frauds you are.