davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (NC)

XXXX XXXX XXXX Collection Agency violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (FL)

I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Experian of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.SXXXX Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

I am writing in regard to my account which was with Ally Financial account # XXXX based on my knowledge and the letter I have from Ally it is a paid off account never having settled this account yet on my credit profile it reports settled for less than full amount. I sent Ally a request for payment history to back the claims but have been ignored therefore I am making the request via the CFPB in the hopes of getting a breakdown of my account and the payment history.
Consumer complaint received 2022-05-24
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: CCS Financial Services, Inc. (TX)

The XXXX XXXX COLLECTIONS amount of {$210.00} received my certified mail. The company has not responded to my debt validation letter, and still reporting to XXXX. According to the FCRA the have failed to mark as disputed and have NOT provided me a copy of any original documentation required under Section 609, Section 611 under the same law the required to promptly DELETE ALL information which can not be verified.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IA)

I submitted an inquiry with Chase for my Marriott credit card. They continue to decline a transaction my gym is attempting to pull. I have a large credit limit and always pay my bill in time. Quite frankly I am disgusted with their customer service. My first inquiry was submitted on XX/XX/XXXX, they acknowledge and then forwarded on to another department informing me I would hear back in 3 business days. They never responded, I had to follow up on XX/XX/XXXX. After my follow up they sent me another email that stated they would respond within three business days. They completely blew off my request and havent addressed anything. I then responded with a request to escalate and requested a response from a supervisor. I also repeated my request to resolve the concern. They then responded and said they were researching and would respond in one business day, they did not. They also never addressed my request to escalate. Then, yeSterday, they sent me an email that said they posted a letter and closed my inquiry. Chase closed it because they didnt have enough information but they NEVER even asked me for additional information. Now, I have to start over with an incompetent customer service. I am highly disappointed in their service, I still have an outstanding issue and will now need to spend an additional god knows how long to resolve the issue meanwhile likely having to incur double charges because of their incompetence. Please escalate or add to their overall concerns of Chases ability to service their customers and resolve anyones concerns.
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KINGS CREDIT SERVICES (CA)

I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with the. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I received the promotional offer {$150.00} last year for spending {$1000.00} and now I received an email on XX/XX/23 stating that Amex will charge {$150.00} back because I downgraded my credit card account. This was not how the offer advertised and if I have known this I would not have accepted this offer because the annual fee is {$99.00} and offset the promotional offer.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

At the beginning of the pandemic, in 2020, I was deferred from my job and was offered forbearance from my mortgage company. I was told no payment would be due and my account would remain current. This was not the case. They did not honor the forbearance and claimed I failed to make my payments in a timely manner, in spite of the fact that I wanted to resume payment in accordance of the terms of our original agreement. Instead, they continued to report me late, returned my payments back, and threatened me with extortion. They said if I didn't refinance a new mortgage through them they would put me into default and initiate foreclosure proceedings. I was willing to comply as I felt I had no other options until I was presented with the following terms, 3 % at 15-years. When I received my application, the terms changed without notification to 5.75 % at 40-years. I explained I am now able to pay and resume my mortgage and I am seeking no more than 15-years terms and they claimed they only offer 40-years term. They have intentionally reported me late, which would prevent me from seeking other financing options. This is extortion. I have went online and have seen numerous others with the exact same scenario. Loancare needs to be investigated and its clients need help, especially me.
Consumer complaint received 2019-11-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC (NC)

Today at XXXX XXXX I received a call from Sunrise Credit Services, with regards to an outstanding balance with XXXX XXXX XXXX that I am disputing. However the collector that contacted me only verified my name before releasing information about the debt, and only after releasing said information did he attempt to verify my identity by other than my first and last name.
Consumer complaint received 2022-05-24
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. (TX)

I sent a dispute into Experian, XXXX and XXXX disputing the XXXX XXXX Bank XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account XXXX : XXXX
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Originally I had disputed a public record for a civil judgement with transunion that over XXXX was being reported as a civil judgement, I won my dispute and the public record. was removed, I then received a letter that it was being reinserted ; I tried to dispute it again as it shouldnt show at all as this case was dismissed with prejudiced and expunged.
Consumer complaint received 2022-05-24
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and 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
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (UT)

I just closed on a refinance of my mortgage. I asked New American Funding several times during the process whether or not they would be the ones servicing my loan. In fact, the first time I spoke with them, they mentioned the fact that they service their own mortgages and do not sell them. This was one of the main reasons I refinanced with them. The paperwork seemed to also state that they would be servicing the loan and I could fine no clause that said it could be transferred. 

Less than 1 month after funding, I accidentally found out my mortgage was transferred to another bank. I still have not received any notice from either bank that it was going to be or has been transferred. 

I feel I was lied to. A company should not be able to tell borrowers that they will not sell their mortgage and then sell it less than a month after funding.
Consumer complaint received 2022-05-24
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. (OH)

In accordance with the Fair Credit Reporting act DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and 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
Consumer complaint received 2017-12-28
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. (TX)

XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (WI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 2017-11-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I set up payment and payment declined. They call claim he 's a lawyer saying he 's gon na prosecute me and hold on my licence it 's a payday loan from 6 years ago
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (FL)

I opened a brokerage account with ROBINHOOD FINANCIAL , LLC CRD # : XXXX # XXXX XXXX on XX/XX/2022 and I deposited XXXX $ from my own savings account. They claimed that it was a suspicious activity and have been holding my money hostage since then. They asked me for all kind of documentation ( bank statement, copy of SSN card and ID card ) and even after I did provide it all, they still dont want to release my money. I asked to have the money just sent back to my savings account but to no available.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I have a mortgage with Seterus inc. that has been modified about 5 years ago. 
Seterus inc. has worked with me when I needed the most and I truly appreciate it, but they had become my worst nightmare after they started making various mistakes in handling my mortgage correctly and effective. 
They first made a mistake in applying money to my escrow, they raised my payment saying I did n't have enough money in the escrow account to cover insurance and taxes. 
I found that odd, cause I new how much I had to pay a month to take care of that and they were charging me a lot of time and money. 
After months and many hours on the phone trying to get them to fix my escrow, they finally did it and I was able to get my payment to where it was supposed to be. 
After they fixed the escrow, they began telling me that my mortgage was late for a month and stated charging me a late fee every month. 
I have told them in dispute letters many times that I am not late on my payments and that I have all my receipts to prove it. 
They keep telling me that I am late since XXXX and I have not paid the XXXX installment. 
I have the confirmation number and the bank statement to prove that they have received the payment. 
Please help me fix this problem as I think they are doing this on purpose based on the fact that I have filled for bankruptcy right after the modification and have failed to reaffirm the loan by the due date and now I feel like a deer that is being held by the neck by a lion that is just waiting for my last breath. 
After all the mistakes and because the mortgage not being reported to my credit, I find myself " stuck '' with this bank. 
I looked into refinancing now that I am getting back on my feet, but I was told by one of the institutions to file this complaint and have this fixed before I could try to get refinanced and get rid of Seterus inc .
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

I received a credit alert from my bank stating that there were 3 credit cards opened in my name on XX/XX/22 and XX/XX/22. These were all fraudulent. I spoke to all 3 companies and had them cancel the applications. 

XXXX XXXX XXXX- opened XX/XX/22 XXXX XXXX XXXX. - XX/XX/22 JPMCB CARD Services- XX/XX/22 I also noticed that a credit card from XXXX has also been opened on XX/XX/22 which is also fraudulent. I wanted to report this.
Consumer complaint received 2022-12-16
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. (AZ)

TransUnion and XXXX have refused to remove an illegally placed bankruptcy from my credit report. After numerous disputes and phone calls to them, even provided proof directly from the court house that this was no a legitimate bankruptcy they continue to respond to my dispute with the generic the item has been verified which is completely false and frankly a LIE. I have contacted and visited the court house personally and they indicated they do not share information with the credit bureaus as it violates FEDERAL LAW. I have demanded proof from TransUnion surrounding their verification methods, which they are required to provide by law and they have failed to provide and supporting documents of follow the law. This is a clear violation of my civil rights and I will be seeking to litigate in a federal court with an attorney if this is not resolved in a timely manner.
Consumer complaint received 2019-11-23
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.