davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (SC)

Received loan from One Main Financial on XX/XX/XXXX for air/heating system replacement. Paid off loan before end of 60 month contract on/about XX/XX/XXXX. Read of deceptive practices finding of company. Reviewed paperwork to discover that life insurance was charged with loan ... no company listed. Made approximately 10 payments before paying off early. Was not refunded for interest or insurance that was not advised of or explained. Was just given a payoff amount to submit. Did not want negatively affecting my credit so submitted as required. Requesting what is due to me ; insurance, interest, credit for payments made and all other charges that should have not been assessed.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX we were notified by a vendor that they never received payment for services. In looking at the canceled check ( dated XX/XX/2023, deposited XXXX ), she indicated that this was not her signature. I contacted Chase Bank and asked what to do for a claim. The claims department said that they would send a claim form ( which they didn't ). So I went to the branch on XX/XX/XXXX and got the forms then. Our Vendor is in a different state- so I scanned and emailed the forms that she needed to sign. She did receive and sign them- but didn't have a scanner, so she took photos of the forms. 

When I submitted these forms to claims at Chase - I had the branch fax them. Because this was both a forged endorsement and an improper endorsement - I checked both boxes then we received a letter dated XX/XX/XXXX from Chase saying they needed more information and the claim was closed. I called and was told that we couldn't check both boxes - because it is difficult for the vendor to sign and return Chase Claims told me that I could write her name and put " unable to sign '' on the signature line. Another letter dated XX/XX/XXXX same letter - called claims - unable to sign was not acceptable. So on XX/XX/XXXX, I received another signed and photographed copy of the form which I took to the Chase branch and had them email to claims ( claims said they get it faster that way rather than faxing ). 

Gave them a week or so to process and then called to see how the claim was doing- Chase said they didn't receive the email from the branch ( even though they knew who sent it ). Again I faxed the claim. Called on XX/XX/XXXX and was told that they had everything and it would take 60 - 90 days to resolve - even though this dates back to XXXX. 

Received a letter dated XX/XX/XXXX saying they needed more information and the claim was closed. Called on XX/XX/XXXX ( when we received the letter ) and was first told the 60-90 days. When I mentioned the letter- they checked, and now they can't read the faxes. The same faxes that they have received since XXXX. 

This is ridiculous- we needed to pay our vendor ( who is also a Chase customer ) but this run around from complaints is intolerable. I hope you can help.
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I am filing this complaint because I noticed Amerifinancial Solutions had placed a debt for {$1500.00} on my credit report on XX/XX/XXXX. I reached out to emergency physician of XXXX XXXX  and have on a recording call that this bill should NOT be on my credit report which I can also provide the recorded call to all parties. I also reached out to Amerifinancial Solutions asking to verify that this debt is indeed mine and also for a copy for HIPPA authorization due to the alleged debt account being a medical account. Amerifinancial Solutions sent a bill which is not sufficed validation. Amerifinancial Solutions also did not provide a copy for HIPPA authorization for the alleged medical account. 
Under the health insurance portability and accountability Act of 1996 ( HIPAA ). I reserve the rights to protect the privacy of my personal information and medical records from all third-party reporting agencies. I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them.

They did not provide me with the any documents or signatures like I requested but a bill which is not sufficed validation. This debt was not properly validated and should not be on my credit at all. I demand that this false bill be removed from my credit report and again I can provide the recorded call from emergency physician of central fl to all parties. You are reporting false information to the credit bureaus! I have also had Medicaid around the time the alleged debt occurred, Fl Medicaid covers EVERYTHING! This debt indeed is not mine! Account XXXX
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name ; XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX 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 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.

15 US 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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, 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 2023-02-16
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. (VA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I currently have 4 hard inquiries on my credit report that should not be there. I did not apply for any credit cards on those dates on my credit report. I would like to have those removed as soon as possible, so they will no longer have an effect or impact my credit.
Consumer complaint received 2023-05-29
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: Bread Financial Holdings, Inc. (NY)

1. Delete the entry from XXXX XXXXXXXX XXXX, ACCT # XXXX, which is reported as " charged off. '' 2. Delete the entry from XXXX  XXXX XXXX, ACCT # XXXX, which is reported as " charged off. '' 3. Delete the entry from XXXX XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 4. Delete the entry from XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 5. Delete the entry from XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 6. Delete the entry from XXXX XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 7. Delete the entry from XXXX, ACCT # XXXX, which is reported as " charged off. ''
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NC)

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 Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IL)

My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to Mr. Cooper and now Nationstar. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from Nationstar and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

Received a letter in the mail that our home doesnt have a home insurance policy So bsi financial services added a XXXX dollar policy that they want paid off in the next XXXX  months so my payments have gone up drastically even though weve had continuous home insurance coverage through our HOA since we closed on the mortgage, the previous mortgage company had this info and when they sold our mortgage to bsi back in XX/XX/XXXX they told me that I dont need to do anything and they see my policy. Fast forward to last month and I received a letter that they added a XXXX dollar policy and Ive tried sending countless times now my declarations page showing the home is indeed covered and they refuse to accept it, XX/XX/XXXX I sent an email to bsi insurance email I was given by bsi rep with my insurance declarations page attached, shortly after that email was sent I received a automated email from bsi that they received my email and it will take no more than 5 business days to get this updated, it is now XX/XX/XXXX, more than 5 business days and they tell me they havent received it and that I need to email them it again and itll again take 5 business days to take care of, I went to the website portal and tried multiple times on different dates with screen shots trying to upload the declarations page and the page has errors multiple times on different days so this isnt an isolated issue, Ive also given bsi my insurance policy info and they refuse to take it from me and contact my insurance policy they want me to get my hoa to contact them, Ive tried to set this up but they tell me they havent heard back. At this point I feel scammed and as if they are just trying to upcharge me their made up insurance policy and refusing to address this serious issue as Im doing everything on my part to take care of this issue so Im not being charged for something I dont need which is what bsi is currently doing. Ive called multiple times since XX/XX/XXXX and again today XX/XX/XXXX and the service reps havent seen anything come in yet via email even though Ive sent over XXXX emails with the attached declarations page to the email they provided me starting XX/XX/XXXX up to including today, and their insurance document website portal never works and the reps over the phone refuse to help me. I want this resolved asap as I deserve this and not to feel scammed by bsi.
Consumer complaint received 2023-03-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX XXXX Balance {$6800.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2021-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CO)

I cosigned a vehicle loan for a XXXX XXXX XXXX serviced by Wells Fargo in XXXX. I came across some old paperwork and discovered, as many consumers have, that additional insurance was added by wells, even with traditional insurance in place. It wasn't apparent at the time why the payments had increased, but the loan was more difficult to service as a result, it eventually ended in repossession and civil court judgements that I've had to defend myself from as recently as XX/XX/XXXX. I financed a house and car in XXXX, the rates of which were impacted the legacy of Wells ' actions. Please contact me for further documentation I'd be glad to provide, to assist the CFPB in taking corrective action against Wells Fargo. The damage that can be done, and has been done to borrowers, particularly minority borrowers like myself, can not be undone with dollars and cents, but require regulatory action.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : ( XXXX XXXX and Account number : XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

Acima is a furniture loan company of which I had a lain that was paid and closed in XX/XX/XXXX. 
The company reports to XXXX. 
The loan misreported my balance and payment activity and is currently reporting a late, closed charged off account as recent as XX/XX/XXXX. 
On a recorded line 3 representative attest to the fact that this was Misinformation and they dont understand why it is reporting that way. Call hurry representative said they were sending me a letter via email that I should receive in 3 to 5 business days from the conversation that will support the fact that the reporting to XXXX  was in accurate. 
I spoke to a representative during XXXX and two other representatives over the past week including today XX/XX/XXXX. The representative I spoke to today again said that she would resend the email. And I have yet to receive anything. 
The in accurate reporting has affected my credit worthiness and score.
Consumer complaint received 2024-01-26
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.