davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not XXXX according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted XXXX according to XXXX XXXX  Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only XXXX months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX  Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX  Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, Experian and XXXX over the past year and they are still appearing on my credit reports.
Consumer complaint received 2024-03-14
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. (NY)

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 XXXXXXXX # XXXX Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 2023-08-22
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: JPMORGAN CHASE & CO. (GA)

I tried opening an account with XXXX XXXX and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to early warning services so i could find out what's going on and what's the reason for this to be happening. Early Warning Services sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at ( XXXX ) XXXX please and thank you because i really need to get this mess resolved immediately.
Consumer complaint received 2019-12-01
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: EQUIFAX, INC. (MN)

THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY EQUIFAX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2023-08-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

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 the XXXX, XXXX and XXXX to reinvestigate these accounts : Account name : 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 1681 I ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VEROS CREDIT, LLC. (TX)

On XX/XX/XXXX I was sold a XXXX XXXX by XXXX XXXX XXXXVerdis credit, that unknowing to me had a bad transmission that the dealership refused to replace after it went out in only 8 months into the purchase. I was force to pay a {$2500.00} down payment on the same vehicle, even though I received total financing for the vehicle. I was also forced to purchase insurance on the same vehicle before being allowed to leave the car lot. I believe that XXXX XXXX XXXX along with Veros credit knowingly deceived me in my buying process and forced me to pay moneys that were already allotted. I was charged late fees and the vehicle was repossessed in retaliation of my request to have the vehicle repaired. They also failed to explain the complete purchase contract in accordance with the Truth in lending Act. They violated Title 15.1635 ; 1605..
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not QRPC according to XXXX XXXX servicing guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (GA)

The original creditor is XXXX XXXX which the debt was in the amount of {$10000.00} on a car loan. XXXX has reported my debt as a charge off and i never recieve a 1099-c form. After XXXX put my debt as a charge off They sent my debt to NCB management and they are illegally coming after me for a debt that been paid off.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In Hinkle Vs Midland Credit Management , Inc., the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (MD)

I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.
Consumer complaint received 2023-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Universal Account Servicing, LLC (CA)

company is in breach of contract, neglected and willfully failed to perform the contract agreement terms. Universal Account Servicing LLC received all my loan payments as a student of XXXX., School loan is paid off! and overpaid 2 years approx. 
Universal AccountServicing / XXXX. also violated my consumer rights by forging my signature on contract agreements i had no knowledge of until recent discovery. 
Universal Accoount Servicing XXXX. Did not update my loan file and payments. It iscurrently under forebearance which means a history of consistent missed payments. 
As stated This is the proof of willfull neglected action from Universal/ XXXX. XXXX XXXX. They did not submit payment history to be filed instead ignored it neglecting which has caused much damage from my credit profile. They also took my XXXX GRANT FUNDS WITHOUT APPROVAL OR DISCLOSURE AND FORGED MY SIGNATURE TO WITHDRAW AND OBTAIN THESE FUNDS IN TOTAL XXXX $ My profile is under forebearance when its paid off in full with perfect payment history. Universal Account Servicing needs to be audit because they took my fafsa funds, private loan for school, accepted all my payments, neglected all my requests for historic doc, pyamt history, balance and total charge and cost of loan., they ignore my emails, and payment history reflects activity of responsible efforts. I have been over paying this loan over years and they have been cheating, stealing, and lying to me, I am seeking legal action for this pain and damage and breach of contract.Universal Account Servicing will not respond to my requests and has violated my rights and is currentlty performing illegal activties as a financial institution / education that needs to be served.
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OH)

This Company Credence Resource Manage Wrongfully Reported this account XX/XX/2023 without Notifying Me of This Debt This Company is unlawfully reporting a Debt That they never notified me about I am heartbroken that this Company is Furnishing inaccurate and incorrect information!!!!!!
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NCC Business Services, Inc. (AZ)

We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (AZ)

In accordance with the Fair Credit Reporting Act Affirm 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.

1515 USC 1666B : A creditor may not read a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, XXXX and XXXX 2023 I was charged 6 NSF in the amount of XXXX by JP Morgan Chase. Transactions varied from XXXX to XXXX. Total amount for all transactions XXXX and chase charged XXXX of NSF. I am not disputing that I made the transactions. Because of lack of funding, I used my debit card to pay for transportations to work and food. According to an article by CFPB stating that JP chase is one of the bank that do not charge NSF I called to dispute the charges. I was told by a manager that chase has its own policy regardless of what is written in CFPB and agreed to waive a XXXX as a courtesy.
Consumer complaint received 2022-04-19
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)

I submitted a dispute to Transunion about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

An escrow statement is due on my account annually. In XXXX an escrow analysis was done and mailed to me showing an over 3k escrow refund. Every other year the escrow s check was attached to the analysis. This time it was omitted.

I waited a week to see if the check would come. No check ever came. I called the company. New Rez and was told that she was not sure why the check was not included but that she would just direct deposit my escrow payment. She verified my account number she had on file. She told me to give it 2-5 days. A week later nothing had happened. 

I wrote to the secure mailbox on the New Rez site. Almost immediately I got a response saying I needed to request the refund via writing which I immediately did. In the past I heard right back from this mailbox. I am yet to get a response about my escrow overpayment. 

I called New Rez customer service yet again and was told the first agent failed to check a box allowing direct deposit but was promised this rep arranged it but still no direct deposit. 

I feel the company is trying to withhold monies due to me for some reason. I am not sure why I am told so many different things. I just want my overpayment as I have other bills due.
Consumer complaint received 2023-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-24
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. (PA)

My name is XXXX 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 accounts. 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 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (AZ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.