davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

First of all, I received the first bill in months after I complained that my online access has been blocked and my credit usage blocked, eventhough I had never failed in their payments. So, on this bill I received I am being charged a late fee for no reason. I have automatic payments set up through my bank and I only see a payment of XXXX credited from XXXX. However, after that payment I have made a total of XXXX in payments and none of those are reflected on this statement. The bill due is only XXXX. Yet the bill says I am past due XXXX. In addition, the account number is totally wrong. I attempted to call to resolve and the XXXX number listed for customer service is just a spam number offering me vouchers. 

How can I solve any concerns? My online access is blocked, I have not received bills, and there is not a valid number where I can reach out. My credit card should not have been taken away and if I had selected paperless then my online access should not be blocked. Until I am done paying, I am still a customer.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Carter-Young, Inc. (AR)

I sent an email to XXXX for verification of debt. To date I have not received any information from them, only a phone call. I have requested several times that they send me information detailing the debt that I owe, they will only state the information on the telephone and will not provide me with written verification of the debt.
Consumer complaint received 2022-10-02
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. (AL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (GA)

There were deferred payments XXXX, I made a payment in XXXX in full {$800.00}, and then I kept getting calls harassing me for {$200.00} more but I was told everything was all caught up to that point, through XXXX. At the end of XXXX. I made a {$1000.00} payment minus the waived late fees the rep waived. Now theyre saying I owe {$86.00} in late fees, Ive been told a different story different amounts owed and its never the same its always more and they always say they dont have it on record what another rep said or promised and I am getting tired of being thrown around and treated so badly. They wont work with me. I need help Im in financial distress since COVID-19, and I bought the car right before that disaster hit! Now funds are low and Im struggling to pay my loan.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

Prior to XXXX we lived at XXXX XXXX XXXX. We paid off a loan and have a letter stating as such. When we went to move in XXXX there was a lein on the address. After discussion with an attorney about cost, in an effort to expedite the sale and our move, we paid US Bank again. This month I have received a document from US Bank with my new address stating a delinquency notice XX/XX/XXXX for the amount of XXXX. We should have fought this the first time but with court cost and trying to move quickly we just paid it off. 

US Bank refuses to put anything in writing about this document. This may cause numerous consumers to pay an invoice thats not even valid. We have paid them twice and they are now requesting more from almost 10 years ago.
Consumer complaint received 2021-05-16
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. (PA)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX ( CLOSED ) {$4500.00} XXXX XXXX XXXX ( CLOSED ) {$1000.00} XXXX XXXX XXXX ( CLOSED ) {$4000.00} XXXX XXXX XXXX XXXX ( CLOSED ) {$4300.00} XXXX XXXX ( CLOSED ) {$6500.00} XXXX, XXXX. ( CLOSED ) XXXX XXXX ( CLOSED ) {$11000.00} XXXX XXXX XXXX XXXX ( CLOSED )
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

United Wholesale Mortgage keeps putting false forced-coverage on my property. 

This started since last year, XXXX I purchased homeowners insurance with XXXX XXXX XXXX for the property in XXXX. UWM told me that the coverage was insufficient. But the whole time, they insisted on me having to buy Wind Insurance. I am in Florida and I must have hurricane coverage, which I did have. But I never needed wind coverage. Although they cover the same things, one is required in the state of Florida ( hurricane ) and the other is not required, unless a property is on the coast ( which mine is not ). 

I reached out to UWM and I was instructed of the discrepancy. I was instructed to reach out to FEMA to get a Letter of Map Adjustment ( LOMA ) to remove the wind coverage. I reached out to FEMA but LOMA is only to remove flood insurance. I must have flood coverage because I am in a AE zone. I sent the letter along with transcript from FEMA about the misinformation. UW lied about receiving a letter from FEMA about wind adjustment. 

After all this back and forth, they purchased wind coverage on several occasions while I had a homeowners policy with hurricane. Up until the XXXX of XXXX of this year, I am threatened with a notice to purchase Wind coverage, all this while I have sufficient homeowners with hurricane coverage. 

UWMs unwillingness to revise the contract and insurance are causing me great stress and great imbalance on my escrow account. They render the house unaffordable. My mortgage was XXXX in XXXX, XXXX in XXXX, but is currently XXXX with the possibility of an additional XXXX per month. The monthly payment is projected to be XXXX starting in XXXX. I reached out on several occasions but they are unwilling to drop the unnecessary forced coverage, which is unlawful.

This practice hurts minority homeowners, and this is painful to imagine that a services is operating outside of the legal realm because of little oversight.
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. In 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 2020-12-29
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. (GA)

On XX/XX/2020, letters were sent to XXXX, XXXX, and Experian alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, identity theft.org report along with rules that they must follow. 7 days later, XXXX quickly removed the accounts. Experian alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. XXXX decided to trigger a regular investigation. Due to the laws in place, Experian and XXXX are to remove the items identified as fraud. This has not happened.
Consumer complaint received 2020-12-28
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (PA)

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-01
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: Experian Information Solutions Inc. (GA)

Incorrect information on my report, information belongs to someone else. XXXX BANK opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.
Consumer complaint received 2023-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (TN)

Speedy Cash has failed to validate what their alleging to be a debt owed yet someone at speedy cash has implemented measures to harass me by phone with calling and text messages which violates XXXX XXXX communications in connection with debt collection which is fraudulent in itself because theres no such thing as debt, subsection XXXX harassing, oppressive, or abusive conduct, subsection XXXX unfair or unconscionable means and subsection XXXX. XXXX false, deception, or misleading representations or means.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Chase immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 
I was on the phone with Chase throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Chase never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now Chase is paid off but I have a XXXX credit score? This is not right at all!
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I initiated 4 transfers of {$500.00} each to someone ( {$2000.00} total ). On my capital one mobile banking app, it shows the transfer is scheduled for the XXXX, and there's an option to cancel transfer ( as shown in screenshot2 ). Since the transfer were for some emergency, I cancelled all 4 transfers and paid the other party by another way. The charges then disappeared from my bank statement and money was returned to my account immediately ( as shown in screenshot 1 ). After nearly a month, on XX/XX/XXXX, 4 charges of " XXXX XXXX transfer '' of {$500.00} each suddenly popped up on my bank statement ( as shown in screenshot3 ). After calling capital one, they told me those transfers were still sent out on XX/XX/XXXX, but was not debited to my account. I told them I did cancel the transfers on the XXXX, and when I cancelled the transfers I never received a single notification notifying me that the transfer would still go out. The app clearly showed the cancellations were successful when I cancelled them. Had I had any warning cancellations are not guaranteed I would not have paid the other party again. After calling capital one multiple times, they admit this might be a technical issue with their mobile banking app but refuse to take responsibility for it.
Consumer complaint received 2020-12-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (NV)

i have 3 collection ref # XXXX, ref # XXXX, ref # XXXX i never request this loans from any company. i have filled a police report because i was a victim of fraud, some is used my identity to request this loan in a Rapid Cash XXXX location. the only reason i find out about it, is because the run my credit report and i find out about this collections
Consumer complaint received 2021-04-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

On XX/XX/2020 I traded in my XXXXXXXX XXXX for a new nissan XXXX. Financing was to be provided by Nissan Financial. I traded my car at Nissan of XXXX XXXX in SC. 
On XX/XX/XXXX I received a call from XXXX Financial that I was late with my payment and they needed a payoff or the car. I advised XXXX that I had traded the car. Upon contacting Nissan of XXXX XXXX they stated that the financing was rejected by Nissan Financial and that I had to come back in and resign paperwork. I did this the next day. I was also told that they would get me credit corrected. I received another call from XXXX in XXXX that the car was still not settled and they had reported me late again to the credit bureaus. I filed a complaint with the CFPB to have this mattered corrected immediately with no resolution. This is the second time I'm am filing this and expect my credit to get corrected immediately.
Consumer complaint received 2020-12-28
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. (TX)

XX/XX/2020 I sent out disputes to the credit bureaus. To my knowledge the credit bureaus have 30 days to complete an investigation. In my case, they didn't. So I followed up with a no response letter and still have not seen a change in my credit reports or was notified that an investigation had even been started. According to 611 ( a ) if the credit bureaus do not respond in 30 days the credit bureaus are supposed to delete the accounts in my dispute. Well, they didn't and they have been purposely ignoring my disputes. I am really considering filing a litigation because this is becoming stressful for me. The credit bureaus are not following the law and this is not fair to me. 
Please delete the following accounts immediately : Fedloan XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I called and to let them know that I did n't have a job. I wanted them to put my loan in forbearance.They told that they could n't do that that, I would have to repay no matter what my circumstances. Not only was the agent nasty but down right mean. I had to agree to a repayment amount which I clearly could not repay. Even after I went over all my bills with the agent.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (NJ)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-28
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)

On XX/XX/XXXX, $ XXXX ( XXXX XXXX ) I was notified by text alert to log into my XXXX  account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By TransUnion LLC. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX  on XX/XX/XXXX and was given the number to TransUnion LLC at ph # XXXX. TransUnion didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. TransUnion LLC stated they were sending the account back to the agency. I ask them for a name, phone, and address but, TransUnion LLC REFUSED TO GIVE ME THAT INFORMATION. TransUNion stated I need to submit once again the police report from orginal filed in XXXX with XXXX  breach which XXXX just adding. I was told my XXXX  that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...
Consumer complaint received 2020-12-28
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. (TX)

on XX/XX/2020, I sent a letter asking Transunion to investigate items that I believe to be inaccurate. I sent another note on XX/XX/2020. As of Today, I have not received a response from them or notification that an investigation has begun.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

All previous payments are not posting to my loans on the Mohela website. 

My XXXX most recent payments made on XX/XX/24 and XX/XX/24 each in the amount of {$300.00} have not posted to my account. My account shows no recent payments were made. The customer service phone number also states that no recent payments were made. Additionally, I have made payments during my education that are not showing on the new platform. 

Meanwhile, interest is accruing to the original balance. 

On XX/XX/24 I called Mohela ( XXXX ) XXXX to speak to customer service. I was told by a customer service representative that I should receive paperwork in the mail with my new account number and all loan accounts will reflect payments made. This information is inconsistent with the email Mohela sent me on XX/XX/24. The email stated to log in create a new user ID and password to begin managing my account. The email stated to allow XXXX business days from the date of this email for all billing information to be available. 

This fills me with doubt and dread that all previous payments made were not accounted for. I should not have to pay interest on an inaccurate loan balance. I do not trust that future payments will be accurately accounted for.