davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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. (NJ)

TransUnion continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, TransUnion is reporting my social security number incorrectly. I have been trying to correct this error with TransUnion for more than a year, to no avail. I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles. XXXX XXXX continues to indicate that they are not reporting the incorrect information that TransUnion alleges and they do not understand why TransUnion is reporting the information incorrectly. TransUnion is the only CRA reporting my social security number incorrectly. Both XXXX  and XXXX have my social security number listed correctly ( see attached ). TransUnion is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. TransUnion refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call XXXX XXXX, to no avail. They report that they have not provided the incorrect social security number that TransUnion is reporting.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd. (CA)

Had a call from this unknown #, leaving a message from " Harris and Harris ''. Went to research the # & it was from XXXX. Tried to call, but went straight to automated voice mail. Hung up & blocked # & still leaving the same message on my voice mail.
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( mentally XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are mentally XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
Consumer complaint received 2021-07-30
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. (DC)

I purchased a prepaid hotel room from an Indian company named XXXX. They pre sell rooms on the condition that they are inhabitable by the hotel that has a deal with them. 
When I showed up at the XXXX XXXX and went into the room, i had such a violent reaction that I needed to leave the premise, seek medical treatment at a nearby XXXX, and was unable to stay in the room unless I wanted to die. XXXX violated the warrany clause in our agreement. They had an obligation to provide inhabitable accomodation which they did not. See the agreement gets tricky bc they are not a US company and they dont own the hotel rooms they are brokering out. If the warranty or claim that I will be given a hotel room that wont kill me due to some pesticide or insecticide being sprayed in the room is not fufilled then there is a breach of contract. 
I spent 3 nights paying for another hotel and provided Chase with a detailed summary of the matter, how I became violently ill and was unable to stay in the hotel and that the hotel agreed to refund my money. However since XXXX was the payment processor they received the refund. Chase did not bother to ask them about this and just sent my claim to someone in India who doesnt understand US law nor had any iinterest in finding the truth. Notwithstanding the XXXX loss i suffered as a result of this fraudulent conveyance Chase was provided with extensive documentation and a detailed explanation as to why the contract was breached and why I was owed my money. This does not include the over XXXX i had to pay for another hotel room by XXXX bc i could not stay at the XXXX XXXX. 
I am entiteld to have my money refunded as i was not given a room that i paid for. Am seeking the refund of my monies or i will pursue a case in small claims court. This is about integrity, respect for the law, and fairness. 
Chase contractors in India ( maybe they are friends with the scammers at XXXX XXXX who are also in India ) should not be working on claims involving US transactions where there is a dispute in law and violation of the FCRA.
Consumer complaint received 2024-03-19
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. (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 : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have owned my home since XXXX and currently in a repayment plan through a bankruptcy with agreed amounts of mortgage payments to my lender each month. During my Bankruptcy Ocwen was my lender for several years and just recently was transferred to PHH mortgage services and I have always made the payments without missing any with statements coming to me reflecting the payments. Today the attorney representing me, XXXX XXXX advised me that PHH Mortgage has filed a default with the bankruptcy court claiming I am 19 months behind in payments and requested the stay lifted to protecting me from foreclosure or in lieu demanding a XXXX XXXX plus past due amount be cured all before a XX/XX/XXXX hearing in which I was never served for and had no awareness had not my attorney called me today alerting me of this. Unfortunately I had similar problem with Ocwen not  properly applying payments and when they did they placed payments in a suspense account and I believe this is where things went wrong.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applied for financial hardship with Mr. Cooper on XX/XX/2019, since last 15 days they have done nothing and just dragging the application, asking me for documents already provided to them. they are unnecessarily causing me stress and are not fulfiiling what they are supposed to. I have previously made six complaints against them on CFPB and still they are not serious. I think I will have to go to court against them. This time in the application I already mentioned that my house doesn't have any HOA fee but still they asked me the receipt of my HOA fee ( please see attached ). this is disgusting and uncalled for. I don't know what illiterate company is this and what kind of illiterate people they hire who can't read simple english. Enough is enough. Now they will start my application again from XX/XX/2019 and will take another 30 days. Is this some kind of mockery or joke? They need to understand other person is going through an hardship and Mr Cooper making fun of the other person? what is this? One more mistake, I will write to XXXX  XXXX and XXXX XXXX about them and of course sue them
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX, I spoke with a Toyota Financial Services representative who exclaimed that of the total loan amount due ( Final payment XX/XX/2022 ; {$4100.00} ) about {$2000.00} was due to interest charges beyond the original scope of the lease term. To wit, since the car was leased in California ( a consumer-friendly state ) the lease conforms to the said state 's legal system and is hence considered USURY ( Excessive ) ( XXXX XXXX XXXX XXXX XXXX XXXX ). As the included article contends, their are specific annual caps of 10 % on auto loans in The XXXX XXXX and TFS has exceeded them in this instance.In essence, the actions by TFS are illegal as defined by the California State Constitution.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TX)

Cavalry Portfolio purchased an old XXXX account I had 3 years ago. I disputed the item on my credit report, and all they sent was a statement that read " balance forward '' without indicating date of last charge of date of last payment. This balance is CLEARLY out of statute, and they have now filed suit against me for the amount. I want this suit dropped and cleared from my credit report on a CLEARLY fraudulent suit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from capital one & XXXX XXXX XXXX. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

XX/XX/XXXX, I applied for a Ch. XXXX bankruptcy in which Freedom Mortgage was not involved. I was paying my mortgage payments directly out of pocket to Freedom Mortgage. To this date I have never failed in paying a mortgage payment. XXXX - XX/XX/XXXX, the Ch. XXXX was converted to a Ch. XXXX and was discharged. But I still do not have access to my online account, I had to keep paying my account through my bill pay, and my credit report shows that the Freedom Mortgage account has little to none payment reports, no balance, and the account is closed. I have tried to talk to the bankruptcy, customer service, and to the heads of different departments to fixed this issue but every time I call customer service they want a letter stating that I may communicate with Freedom Mortgage but the bankruptcy is over Freedom Mortgage has the a copy of the discharge. Freedom Mortgage continues sending me and my previous bankruptcy lawyer monthly statements. The law group has already sent the Ch. XXXX discharge to Freedom Mortgage but to no avail.
Consumer complaint received 2019-12-16
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: ENCORE CAPITAL GROUP INC. (GA)

I had a collection account appear on my credit from XXXX XXXX. The account was removed because I never applied for the card nor have I ever made payments to XXXX XXXX in this regard. I now have a collection account on my credit fore XXXX XXXX from Midland Credit Management. This company has never contacted me they just placed the unknown account on my credit. I have tried to reach them by phone and I have not been successful. I also contacted the XXXX and they said the company is no longer in business but they just added this bogus account to my file and I was in the middle of financing. I am a XXXX Vet and I am trying to obtain a home loan.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

Received debt collection letter from company owing {$410.00} for XXXX XXXX XXXX not sure when but have complained with the debt collection company this is a fraud attempt. They send me paperwork to fill out but am checking around first??
Consumer complaint received 2021-07-27
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to Bank of America this credit card dept of {$140.00} is at a XXXX balance but there for its still reporting as owe..thats again the law thats not accurate and this account is fraudulent see police report for more information..remove immediately
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MI)

I was a victim of identity theft in which my entire credit was compromised due to unauthorized accounts. This matter has affected me tremendously being unable to make financial decisions. I have other accounts reporting on my credit reports that I did not give consent. I am not very educated on how to address these type of matters involving credit, the reason I was resorted to your entity.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (IL)

Monetary financial services LLC DATE REPORTED MISSED PAYMENT TO XXXX XXXX credit Bureau ( XX/XX/2021 Balance {$190.00} Current balance is paid and current there is no history of late payments this is false please remove