davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I called citizens one bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On none of the occasions was I granted my 180 day mortgage forbearance covered by the cares act due to covid-19.
Consumer complaint received 2020-08-15
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Consumer complaint received 2020-06-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My collections history is being impacted by Transunion failure to correct an amount in collections from XXXX XXXX XXXX XXXX XXXX initiated XX/XX/XXXX. This is not my debt, I resolved the billing error on the account with XXXX XXXX in XXXX. The Transunion was contacted in XX/XX/XXXX as to the inaccuracy and the debt was in error. I have not received any communication from any party regarding dispute resolution.
Consumer complaint received 2020-08-15
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: Lending Club Corp (NY)

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Recovery Systems, Inc. (MS)

The company I am filing a complaint against is ARS Collections ( Advance Recovery System ). I received a letter from ARS collections on Thursday XX/XX/2020 with the intention of collecting a debt that I am not responsible for. On Friday, XX/XX/2020 I contacted ARS collection and spoke to a representative. I explain that this is not my debt and it was sent in as if I accumulated the debt. He said there wasn't anything they could do, they just go by what was sent in to them. I would have to talk to XXXX XXXX XXXX XXXX. I asked to speak to a higher authority, left a name and number, but hasn't received a return call as of yet. The Nursing Facility " XXXX XXXX XXXX XXXX XXXX took my mom in under false pretense. Her attending Physician recommended that she go to this facility for 90-100 days of swing bed care. They tried to sign her up for long time  nursing home. When we were suddenly aware that they was not providing swing bed care we took her out. The administrator told me that since I was taking her out that I was going to have to pay the bill. Being very vindictive, she said that I was going to have to pay the bill or she will garnish my check. She sent unofficial statements twice a month with handwritten messages. Finally she sent my name to the collection agency as if this was a debt accumulated by me. Now ARS is jeopardizing my credit with my mother 's bill which was suppose to be taken care of by Medicaid and Medicare. the statement from ARS is in my name, with my addres and the bill is {$9100.00}. The attachments clearly shows that these are not my bills. I am not my mother 's power of attorney and I am not responsible for her bills.
Consumer complaint received 2020-08-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Creditor- CREDIT ACCEPTANCE CORP After vehicle was sold to me and later found out that it was a bad deal because vehicle could not drive shortly after getting it, Creditor told me that they were write off the loan. A few month later the loan showed on credit report as charged off that hurt my credit score. Years later on XX/XX/XXXX my score dropped 114 points, when i checked report it said that Credit Acceptance Corp, change the remarks on my credit and started reporting the account from charged to 30 days late. the loan was opened XX/XX/XXXX. Credit report shows 32 charge off status reported. 

Creditor is reporting inaccurately on my report that is hurting my credit. Account went from reporting 32 charge off payment status to reporting 30 days late on XX/XX/XXXX. 

I would like this to be reviewed and or reported correctly/deleted.
Consumer complaint received 2020-08-15
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: Southwest Credit Systems, L.P. (DC)

I have a loan with XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (CA)

I went to purchase a new vehicle at XXXX XXXX XXXX. The finance person I spoke with, XXXX XXXX completely lied to me in order to sell additional products I did not want. She stated on 3 separate occasions that the bank would not approve me for the loan and unequivocally refused to process the sale of the vehicle without including {$11000.00} in optional warranties. I stated I wanted to see the documentation where chase required the purchase of the extra products and she stated the agent with chase stated it was a requirement. She then proceeded to tell me to wait 6 months and I could cancel to recieve a full refund. Once Chase finalized the loan they denied this all to be true and stated the only requirement was insurance. I then proceeded to call the dealership to cancel the warranty only to find that had I waited the 6 months as she stated I would have been no longer allowed to cancel and now the XXXX refund will do directly to chase amd my payment is {$100.00} more than it would have been and there is nothing that can be done about so I am stuck with the increased payment.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TN)

Merchant Name : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$820.00} Transaction Id : XXXX Claim Amount : {$820.00} Claim Date : XX/XX/year> I contacted XXXX  on XX/XX/XXXX to dispute a booking with their host in XXXX XXXX XXXX , XXXX due to unsafe, hazardous conditions. XXXX XXXX was handling my dispute until the host decided not to authorize my request ( via XXXX ) for a full refund. XXXX couldn't resolve the issue, so I filed a dispute with SoFi Bank. On XX/XX/year>, XXXX contacted me via email exclaiming that, SoFi Bank notified them of the dispute I filed. They explained how a chargeback occurs and why. SoFi Bank initiated a chargeback for the total amount {$820.00}. XXXX explained that any further contact about my dispute is between SoFi Bank, and myself. 
SoFi opened an investigation on XX/XX/year>. A couple of weeks pass by and I hear nothing from SoFi Bank. After numerous emails and phone calls to SoFi Bank, their Back Office Department finally responded to my inquiries and complaints approximately 3 weeks before the 90 day Investigation concluded. The 90 day deadline was set for XX/XX/year>. I received an email on XX/XX/year> stating the denial of my claim. I have all the documentation, emails, call logs to prove their unprofessionalism and mishandling of this matter. I filed numerous complaints with SoFi Account Managers on SoFi Back office department, which leads me to believe this claim denial is retaliation! This has caused my family and I emotional distress, financial loss, and turmoil. SoFi has our money and they have no right to keep our property. Please help us to resolve this matter.
Consumer complaint received 2023-01-04
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: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND FUNDING IS REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT DOES NOT LOOK FAMILIAR TO ME. THE ORIGINAL CREDITOR IS XXXX  XXXX, BUT XXXX XXXX HAS NOT PERMITTED ME TO OPEN AN ACCOUNT WITH THEM SINCE I WENT BANKRUPT YEARS AGO SO I AM CONFUSED AS TO HOW AN ACCOUNT WAS OPENED IN 2021. I FILED A FTC COMPLAINT AND WILL ATTACH THE REPORT. I WAS INVOLVED IN A DATA BREACH SO IT IS VERY PLAUSIBLE THAT MY INFORMATION WAS OBTAINED THAT WAY. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. PLEASE SEE THE ATTACHED REPORT.
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (CA)

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you
Consumer complaint received 2020-08-15
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: EQUIFAX, INC. (IN)

Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the XXXX  loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent letters out certified over 70 days ago and no one has reached out to me. This is not right and I fell taking advantage of.
Consumer complaint received 2024-04-13
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

Hello, When I purchased a bicycle on XX/XX/23 for {$1600.00}, a key element of that purchase was the promise of several services, including a warranty for defective parts. My bicycle broke not long after purchase, namely in the breakdown of button functionality. Ordinarily, one button honks a horn, and the other acts to unlock the bicycle. 

I brought my bike to that point of sale and simply found it had disappeared. I called the company and was never able to reach anyone, or ever heard back from them. They effectively stole my money, which I believe is the primary purpose of being able to file a chargeback. 

I filed a chargeback with my credit card company that I used to make the purchase, ( Goldman Sachs ) and they collected evidence, only to belatedly deny my claim for not providing evidence. When I contacted Goldman Sachs regarding this denial, the representative seemed surprised, and helped me refile my dispute. This was the beginning of several identical denials, I believe all in bad-faith, as Goldman Sachs would repeatedly give me the same boilerplate denial for providing no evidence. 

Each time, I included evidence of this promise of warranty taken from the companys website. I have attached a video demonstrating pressing the buttons accomplishing nothing. I attached proof of the point of sale being shut down. 

I have attached warranty evidence below. This is the warranty that is currently still promised. When I purchased my bicycle, I was told the warranty was three years. Regardless, it had been under a year at the time I submitted this dispute. Note that it is required for a warranty that I bring my bicycle into the point of sale, which as I have mentioned earlier no longer exists, in the entire state. Attempts to call the old location or the company for warranty service have been met with silence. 

I will also provide screenshots of my conversations with Goldman Sachs as well as emails denying my claim. Before my last denial, I informed Goldman Sachs I would file a complaint with this agency if they denied my claim again with the same boilerplate. I have reopened my complaint, but expect them to deny it again, hence my concurrent submission here. 

Thank you deeply for your time and consideration of my issue.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My mortgage payment was due on XX/XX/XXXX. Ocwen has not been willing to do a loan modification on our account. As a result, the payments have been due on the first of the month and I have been making my payments on the XX/XX/XXXX or XX/XX/XXXX of each month. The FCRA says that an account should not be reported delinquent unless you are XXXX calendar days past due. It appears that Ocwen 's logic does not comply with the FCRA requirement in XX/XX/XXXX that only has XXXX days this month. I made my payment on XX/XX/XXXX and they reported me as XXXX days past due ( XX/XX/XXXX would actually be day XXXX )
Consumer complaint received 2020-06-14
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. (AL)

i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report over 45 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NV)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.