davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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. (CA)

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, my bill for XXXX did not go through when it was on auto bill because the account status switched to restricted and eventually closed. I reached out to the Capital One by phone and they said they saw the payment try to come out of the bank but it was rejected because the account was restricted/closed. They never notified me of the rejection or closure. In fact, I called and asked for them to send me correspondence on the reason for the closure and how to access account to make a payment. I kept following up and I finally received an email. The email was sent XX/XX/XXXX saying that the account was 2 months behind with a due date of XX/XX/XXXX. I followed the link to make a payment, which I could not access via online, so I called to make the payment. Payment was received successfully this time, but now the credit card company gave me a late payment. I now can not get a mortgage because of this mark on my credit file and the bank will not help me with this unfair situation.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

i notified Experian of fraudulent accounts and was told to send again identification and ss which I already provided, so please see attached AGAIN FTC and copy of ss and identification for the second time
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

Ally financial canceled my Auto pay without any notice. I had Auto pay from the beginning of the lease for peace of mind my payment will go through. During Covid they canceled my payment which i made through auto pay and my manual payment because i noticed a month later they canceled my auto pay. This has giving me a 30 days remark on my credit report. During that period i tried reaching out to ALLY multiple times but they were not answering their phone calls Because they were short staffed due to covid. I was finally able to contact them a month later after waiting on the phone for 45 min they gave me a case number regarding my complaint. They said someone should get back to me in 2 weeks. No on has called me. The reference number they gave me is XXXX. See attached proof of payments I made.
Consumer complaint received 2020-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Toyota Motor Credit is reporting inaccurate information to the credit bureaus in regard to a fraudulent account in addition they are refusing to remove this negative information from reporting against my name with all the major reporting agencies although they are aware this information is fraudulent. I did not obtain a loan with Toyota Motor Credit nor did I give anyone permission to obtain a loan.
Consumer complaint received 2020-08-10
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: Bread Financial Holdings, Inc. (IL)

I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : Comenity Bank- XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX COMENITY BANK/XXXX  Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX  XXXX   XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.
Consumer complaint received 2020-06-17
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. (PA)

I have yet to see an update regarding my disputes. it has taken more than 120 days for Equifax to respond. Their website is down when trying to check the status of my dispute and no one answers the phone at this company. I have submitted numerous documentation ( ever from the court ) showing there are inaccuracies on my report. I have yet to receive proof of verified accounts after requesting it from this companies as proof to what they feel is accurate.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (LA)

On XXXX XXXX I sent ProCollect a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. Procollect mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information Procollect sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. Procollect is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know Procollect did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID PROCOLLECT PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I also have PROOF that I was renting/living at another apartment during this time.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

I received a letter on XX/XX/2020 from WellsFargo is stating that a ratio of credit bureau trades with a balance greater than XXXX, and the open and closed accounts that have a balance greater than XXXX for the last 6 month which is incorrect. 

In the last year I had a XXXX XXXX  card with a XXXX balance, XXXX XXXX with a XXXX balance, which are both closed. XXXX Card which is paid in full every month. They are stating that number of revolving bankcards reported by credit bureau which are closed. They are also stating that I had many closed accounts that have been closed for many years, and that they are using this information to make their decision. 

My Credit score is XXXX and have never been denied credit at all for any reason. WellsFargo is also stating that the credit report agency was not involved in this decision and that its soli their decision only. I have been with the bank over 25 years, and had excellent credit and only now they are denying me credit. 

With this information this may impact my credit score and possibly any chances of getting credit with another Bank. I
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (DE)

I had paid this loan with JP Morgan Finance - never missed a single payment and then they charged me late fees for XXXX $ for 2 months as they did not send me the closing documents of the loan and final pay off in the right address.I spoke to the customer service multiple times and after researching they told me they will remove this from my credit report both late fees and the negative reporting but this has not happened since XXXX.I can be reached at XXXX with any questions or details.I will have to report this to state attorney general office and seek a legal remedy as well.
Consumer complaint received 2020-08-10
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. (GA)

On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.
Consumer complaint received 2021-07-06
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: Navient Solutions, LLC. (FL)

There has been information published on a consumer report that I never gave either company ( XXXX XXXX, OR NAVIENT ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with NAVIENT. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt are as follows : NAVIENT ( ACCOUNT : XXXX ) and NAVIENT ( ACCOUNT:XXXX  )
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MI)

I got a loan for XXXX on 18 acres with mobile home in 1997. Then loan was sold to XXXX XXXX XXXX, then they sold loan to SN Servicing LLC, then back to XXXX XXXX XXXX, then back to SN Servicing. My loan amount went up to XXXX plus. Then at one point they said I owed XXXX on loan. After 23 years they say I owe XXXX plus yet. I am XXXX I have paid over XXXX over 23 years why am I still paying on this??
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-10
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. (ID)

On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. XXXX / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to XXXX with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that XXXX has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to XXXX ) is now closed. And they still don't answer the phone. 

Please help. 

XXXX XXXX
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

This issue started when Fay servicing failed to pay my property taxers on time and based on an earlier complaint ( complaint number XXXX ) and many phone calls they agreed that they were wrong in not making the payment on time and they accepted full responsibility for the late payments accured. Since then I did refinance the loan with XXXX XXXX but as you can see per attached they did use my money held in escrow to pay these fines. 
I requested numerous times for my money used to pay penalties that they caused but I never got a call back or a response back. 
The amount I need to refunded from them is total of : {$5300.00}
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Logged on to the TransUnion website to get my free credit report and TransUnion ended up enrolling me in some subscription service that I do not want. Charged my credit card {$24.00}. The only reason I entered my credit card number was because the TransUnion site requested it as part of my identification! I have found online complaints of many others that this has happened to. This needs to stop. You don't ask someone for their credit card as proof of identity, and then sign then up for some subscription service during the same action. I want my {$24.00} back. 

Perhaps there was something in the fine print somewhere, but when this many people get buffaloed into " agreeing '' to this {$24.00} charge, while thinking they are only entering the information as part of an identity check, it is just wrong. 

I was able to cancel the subscription on the TransUnion website, but there is no such place to cancel this charge for something I never even knew was going to be charged. Calling TransUnion just gave me a message that " ... .there is nobody here to take you call ... '' This was at XXXX on Tuesday.
Consumer complaint received 2020-04-14
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. (CA)

XXXX XXXX XXXX, Chase cards I waited a long time asking XXXX to provide the requested services. THey abandoned us and kept the money. Chase wouldn't refund our money because it had " been too long ''. But I did not know that I would be punished for giving XXXX lots of time. Refund {$1000.00}. 

XXXX XXXX has sent nasty emails to me.
Consumer complaint received 2020-06-17
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: Fidelity National Information Services, Inc. (FNIS) (NC)

Fraudulent inquiry, illegal pull and use of credit report.XXXX  reported that XXXX/XXXX  pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX/XXXX  inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX/XXXX  should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.
Consumer complaint received 2022-05-15
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: Aldous & Associates, PLLC (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX  Account # 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose