davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (FL)

I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!
Consumer complaint received 2021-07-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX JPMORGAN CHASE sent me a settlement offer in the amount of XXXX due within 30 days I sent two money orders securely attached with staples and staggered so as to make them visually seen. They mishandled the XXXX XXXX money orders and posted one payment to my account and did not post the other. Upon submitting copies of the money orders they posted both payments sent a letter thanking me for my final payment and then proceeded to retract the letter stating they did not receive payment and that the settlement offer was revoked. They claimed they did not receive the payments or the funds had been sent back for lack of funds. On XX/XX/XXXX, I proceeded to send them receipts from the store of purchase the stubs from the money orders the copies of the letter showing items securely attached and also the telephone number from XXXX XXXX that shows they cashed one and did not cash the other although both had been sent on the same letter. JPMCB is in possession of all proofs of payment and receipts as of XX/XX/2021 they had scanned and uploaded into their system with no change being made to the credit reports. Fiduciary duties have been ignored They failed to have a proper accounting They failed to show reasonable care and diligence when posting the received payments by only posting one payment of the two securely enclosed in the same envelope They have acted dishonestly by reporting the account to the credit bureaus incorrectly even after being supplied ample proof of payment. 

Todays date is XX/XX/2021 Chase has not made itself accountable for its mishandling of the funds and has cost me 2 job opportunities for its wreckless acts. They have also invalidated the settlement agreement by FRAUDULENTLY stating the payments had been sent back or not received the payments have not been cashed and they posted one of two XXXX XXXX  money orders from the same envelope. They even went as far as saying the shredded the other payment without any proof that this in fact happened. Which would also constitute lack of care in handling currencies.
Consumer complaint received 2021-07-11
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. (MI)

HI. I have challenged information that is being reported by XXXX XXXX for a vehicle that was stolen. I had insurance and XXXX XXXX has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,
Consumer complaint received 2024-03-25
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




STATE OF XXXX XXXXXXXX AS # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-05
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. (FL)

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (TX)

Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

My name is  XXXX   XXXX  and I have reported m y Tjmaxx Master ca rd lost/stolen back in  XXXX   XXXX . I have paid my valid balance and closed this account. I have received a letter after few days that they approved my fraud claim and removed all the charges. Now all of a sudden I have received an email in  XXXX   XXXX  that I still have a balance of some {$2100.00} . ( cr edit card ending  XXXX  ) When I called Tjmaxx credit card, I was told that they have denied my claim back in  XXXX . This is so unfair and I want them to disclose all the investigation as I do not agree with their decision. It is on my credit report as a negative factor and I want this to be resolved ASAP.
Consumer complaint received 2021-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax ; XXXX and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MN)

The company by the name of True Accord has been sending me emails frequently about a loan account that they stated I have a balance of and owe. I sent them a letter requesting that they validate this debt that they say I owe. The letter arrived on XX/XX/XXXX & the company signed for the document.I 30 waited days to give them time to investigate. They had until XX/XX/XXXX from the date they received it to send me documentation that this debt is mine. They never responded within that 30 days or provided any evidence .Where is the documentation? I have reached out to XXXX  who True Accord is saying they have verified this account with. I have no idea of this account and it is negatively affecting my ability to qualify for a home loan!! How are you verifying this account? They're clearly in violating under the FCRA. I will file a suit if this isn't corrected by the law
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

I disputed a 30 day late payment that they reported to the credit in XX/XX/2020. They removed the 30 day late payment off my XXXX  report and then added a 60 day late payment for XX/XX/2020. I made the XX/XX/XXXX due date payment on XX/XX/2020. I have not been treated fairly and I'm completely being taken advantage by this company.This is the second time they reported inaccurate information on my credit report. I'm going into a XXXX  XXXX the way there treating me.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-07-12
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 (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This complaint has bearing on two previous complaint numbers XXXX and XXXX. 

XXXX at XXXX XXXX XXXX ( XXXX ) routinely and intentionally asks potential renters to sign a rental application and, upon approval, presents them with a rental agreement to sign that could surprise some potential renters, like me. The specific material facts that XXXX failed to disclose to me are related to the stay of guests in the apartment. Since I was to rent an apartment, XXXX should have made me aware of its policies regarding the stay of guests before asking me to pay the application fee of {$50.00} and the holding deposit of {$100.00}. But, it did not. Since I was made aware of the policies after my signing of the rental application i.e. when I was presented the rental agreement for my signature, I rightfully refused to sign the rental agreement on the grounds that XXXX failed to disclose its policies regarding the stay of guests, and demanded XXXX refund of both the application fee and the holding deposit tome. XXXX argued that the application fee and the holding deposit are nonrefundable and refused to refund the amounts paid by credit cards. 

Upon my disputing the charges with the banks that issued the credit cards, XXXX did not satisfy the banks that it did not fail to disclose its policies regarding stay of the guests or that the policies were not material. As such, the banks credited the disputed amounts and closed the disputes in my favor. 

XXXX then maliciously added certain other charges of its own and contacted XXXX XXXX and Outsourcing ( FCO ) to pursue its claim. XXXX made no mention of prior credit card disputes to FCO. Instead, XXXX misled FCO to believe that certain checks were returned for insufficient funds, a blatant lie on the part of XXXX. As of the date this complaint is filed, XXXX is aware of the reason why I refused to sign the rental agreement, but has not disclosed it to FCO. 

FOTAs failure to disclose the specific policies regarding the stay of guests in the apartment renders my rental application legally void, and could subject XXXX to fraud charges for concealing material facts in dealing with potential renters.
Consumer complaint received 2021-07-12
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: NCB Management Services Inc. (TX)

I have made several attempts to NCB Management Services , Inc. to provide me with a SIGNED and DATED ORIGINAL CONTRACT between myself, XXXX XXXX and NCB. They still have not provided me with the information I've requested ( now demanded ). 

According to the last results from a previous dispute : The account is an auto loan originating with XXXX on XX/XX/XXXX for the purchase of a XXXX XXXX, XXXX. As a result of XXXX selling the account to NCB, they assigned their rights regarding this account to NCB. 
This statement means XXXX has sold this contract to another company. That means the contract between me and XXXX is CANCELLED. THE DAY NCB FINALIZED THE SALE OF THE DEBT FROM XXXX, THE CONTRACT HAS BEEN CANCELLED. 

As stated in our letter dated XX/XX/XXXX, NCB is now the current creditor to whom the debt is owed. 
This statement means NCB is now the credit for this debt. Since this debt is carried under NCBs umbrella, WHERE IS THE WRITTEN AND SIGNED CONTRACT BETWEEN ME, XXXX XXXX AND NCB?!? I have been repeatedly asking for the SIGNED contract between myself and NCB. They continue to grandstand and NOT service my request. They keep sending me alleged documents between me and XXXX but not the SIGNED contract between myself and NCB. 

I have attached the request letters sent directly to NCB to send the contract I've request ( WRITTEN and SIGNED contract between myself and NCB EXCLUSIVELY ) and the latest copy of the response they have sent. Please pay attention to the information highlighted on the first page of NCB 's document.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (VA)

Received an initial loan estimate with {$850.00} lender credits. A subsequent loan estimate was provided with only {$750.00}. I inquired why the credit was reduced was told it was property type. Asked it the original {$850.00} could be reinstituted. Representative XXXX XXXX said via email " That shouldn't be an issue, I will get that adjusted today. '' When I inquired about the {$850.00} on a third loan estimate I'm being told no, sorry, can not adjust the lender credit to {$850.00}.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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 with 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 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

Im a Consumer that was impacted by COVID. Where forth, In XX/XX/2021, I applied for a 2 month COVID extension with Nissan. This would make my next payment due on XX/XX/2021. Nissan stated, that would Bring my account up-to-date and then the next payment would be due on XX/XX/2021. To my shock a noticed a vicious late payment filed by Nissan for XX/XX/2021 regardless of whether I filed for COVID. This late status and late payment should be promptly removed ;
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (VA)

My name is XXXX XXXX I requested a 2 month deferment from GM Financial due to the serious nature of my XXXX  I have been with the company for years and because i have to do XXXX for the next 12 weeks I asked if I can get just 2 month deferment and customer service told me they couldn't help me so I emailed XXXX XXXX who is the CEO of the company but some girl XXXX returned my call and told me I exhausted all of my 8 deferments throughout the years, When covid hit and they did the deferments that should not have gone against my personal deferments I didn't start the pandemic so I should not have had to lose my deferments for nationwide pandemic, that should of been courtesy from the government I feel GM Financial is being very unfair due to the circumstances at hand. I am not asking to not pay it I am asking to put it to the back of the loan. Can you please help with this unfair company
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

My loan was successfully rehabbed and I have made  2  payments to the new owner of the loan,   XXXX   XXXX   XXXX  . As part of the rehab, I was told that the  XXXX  credit bureaus would be advised of my completion of the program, and the late or missed payments that took place during the rehab would be deleted from my credit report. Section  XXXX  states ( after loan rehab ), that the prior holder of the loan must : " request that any consumer reporting agency to which the default was reported remove the record of default from the borrower 's credit history '', and " the prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency, request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrowr 's credit history. To date, all  XXXX  credit bureaus still have negative information about my Navient account. It is aggravating that I have to follow up on this at all but I do n't feel that it should rest upon my shoulders to contact each bureau and dispute the status. Therefore, I am asking Navient to stand by the original terms of the rehab agreement and update all  XXXX  credit bureaus. I also respectfully ask that because the late payments before the rehab agreement corresponded with my diagnosis and treatment for  XXXX   XXXX   XXXX   XXXX , that those late payments also be deleted from my history. I understand it 's not required, but I am requesting that an exception be made given the circumstances. Than you.