davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a purchase on XXXX, {$100.00}. I never received the merchandise. I contacted the merchant, they did not respond. I filed a dispute with Capital One, they issued a temporary credit. They rebilled the charge. The merchant issued me a full refund, documents attached. Capital One has refused to issue me the credit to which I am deserving.
Consumer complaint received 2022-12-14
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. (NY)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent account : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2020-04-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

My husband is XXXX XXXX military. We recent refinanced our home through sovereign lending and somehow ended up with NewRez as  our mortgage lender. I was laid off last month due to covid 19. We lost over 60 % of our income. We have other bills too obviously. We submitted a hardship request online around XX/XX/XXXX. I had to call and wait on hold for over an hour multiple times to follow up on this, as they were not getting back to us. Eventually we got a letter from New Rez saying we were approved for forbearance. Today we got a letter from ShellPoint, which works in loss mitigation. The letter stated that we are in forbearance and did not owe a payment for 90 days. However, it also said, ... their requirements for determining borrow eligibility for a loan modification trial plan include determining whether the borrower is experiencing a temporary or permanent hardship. Based on our review of your current circumstances, we have determined that you do not have a temporary hardship or a hardship that has caused a long term or permanent increase in expenses or decrease in income that prevents you from making your mortgage payment. Because you have sufficient financial ability to bring your mortgage current, you were not eligible for a work out solution or are ineligible for a loan modification. Then it goes on to say that we are only eligible for short sale or foreclosure. 
Furthermore, the letter states that we will be reported as delinquent on our mortgage and our credit may be affected and we will still owe the lump some of payments missed at the end of the forbearance. I believe this is in clear violation of the CARES act, as well as the Department of Veterans Affairs guidelines. 
The loss of a huge portion of our income is clear financial hardship. When I called and waited on hold for an hour then asked for clarification, they would not divulge how they determined otherwise and I was told I would need to call back to get answers. 
From what we have seen of New Rez so far, and now ShellPoint,  they should not be servicing Va loans and I think it would be appropriate to require them to refund loan origination fees and release us from our loan/allow us to transfer is elsewhere without penalty, as they clearly have no interest in abiding by federal guidelines or providing legit service.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX
Consumer complaint received 2020-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I have a mortgage with Chase Bank. The mortgage was sold to Chase in XXXX however I've had the home since XXXX. I've never made a late payment on this account. In XX/XX/XXXX, Chase reported a 30 day late on my account. I reached out to the bank regarding the late and provided information on the payment date. The account was paid on time on my side but for some reason the processing was delayed on the bank side. The Chase representative simply told me that once they report items as 30 days late they don't have a way of removing them from credit reporting. My credit score has taken a significant hit due to this false reporting on behalf of Chase.
Consumer complaint received 2020-06-13
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I received a letter in my mailbox that apparently this AFNI company or whatever, telling ME that I have to pay {$610.00} out of a supposed {$940.00} to settle a XXXX debt I have never heard of within a month or else they'll treat it as " legitimate ''. I am cautious about whether to contact them in any form as I fear they'll purposefully waste time. I received the letter in XXXX XXXX.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Equifax Legal Department Account Name : NEBR  CHILD SUPPORT XXXX  Account Number:XXXX  Date : XX/XX/XXXX RE : Delete immediately in current litigation for Fraud. 
I rescind and revoke any and all authorization signatures previously given to NEBR CHILD SUPPORT XXXX  to share, transfer, assign and sell my private and personal identifying information to third party and non-afflitiates including CRAs. Fraud was committed on this account please remove immediately, due to pending litigation. 
Failure to comply with this demand may result in legal proceedings being initiated against Equifax and NEBR CHILD SUPPORT XXXX for fraud and misrepresentation for this account. according to FCRA 15 US1681-1 -Only can report on CRAs for ( 2 ) antedates the report by 7 years or less but opened in XX/XX/XXXX failure to comply with FCRA. '' Internal Regulations '' and " Business as Usual '' do not qualify as substantive legal defenses. However, FCRA does apply. Any attempt to malign account without a demonstrative notice of dishonor or certificate of protest will be treated as commercial slander. Only a written signed affidavit with a notarized signature will be accepted for value. I have attached Driver 's license and Utility bill for proof identity and not a third party or credit repair company. 
Thank you, XXXX XXXX XXXX Authorized Representative
Consumer complaint received 2020-06-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (FL)

I received a title loan from Title Max in XXXX, GA. I set up reoccurring payments and was never contacted about my loan being a problem. I came out late on a Saturday afternoon to find my car towed with no notice. While I was home. With all my belongings. I immediately called and they were closed long before the time of the tow.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.
Consumer complaint received 2020-04-14
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. (TX)

My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.
Consumer complaint received 2020-04-14
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. (AR)

Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  Balance Owed : {$360.00} XXXX XX/XX/2023
Consumer complaint received 2023-05-27
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. (IL)

XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : XXXX. XXXX inaccurate late payment statuses reporting on my credit XXXX report. 
XXXX. XXXX inaccurate late payment status reporting on my credit Transunion report. 
XXXX. XXXX inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

After receiving a credit notification from credit bureaus I was made aware that a collection appeared on my report I contacted the list collection company and requested VALIDATION the customer service representative refused and stated I could contact the original creditor myself as he couldnt provide me the requested information ... .I advised him that I had no knowledge of his company not had I been contacted by them he then give me a address stating it was my address the address he provided is NOT my mailing address so I provide correct mailing address he still stated he would send a bill no validation I told him to remove from my credit file until he was able to provide the information needed he refused ... ... I later received the bill as he stated still no VALIDATION ... I send letter to company asking for validation again with no response I have enclosed the letter to company they have no responded to my request to Validate the debt but continues to report to all three credit bureaus and call to collect ... .This is a direct violation of my rightper the Fair Credit Reporting Act
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed a dispute with Capital One concerning my watch that I took to XXXX XXXX XXXX XXXX for repair. I picked up the watch, paid {$140.00}. The watch broke the next day. Merchant would not honor their guarantee, now merchant is closed. I filed my dispute, see attached letter to Capital One. They have not provided a credit or acknowledged the dispute.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2022 I attempted to open an online account with XXXX XXXX, as they advertised a 0.6 % interest rate. 

I received a " Thank You for Applying We need more time to process your application. 
We will reach out to you within XXXX - XXXX business days with further information. '' message. 

I have not heard back from American Express, so I phoned them at XXXX and spoke with XXXX on XX/XX/XXXX. I asked her to find out the reason for the delay, as I had an American Express bank account previously without any delay, and also had an American Express credit card. She hung up on me.
Consumer complaint received 2020-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

XX/XX/2020 - started receiving phishing emails and spam calls from several entities. I reported each, as well as this particular agency, Sequium Asset Solutions, as spam since I carried no debt, and did not know the company XX/XX/2020 - saw a drop in my credit score ; and a collection action for {$100.00} by Sequium Asst Solutions LLC for a cable company called XXXX XXXX ; I immediately filed disputes with XXXX and XXXX. Did not receive a fraud alert from XXXX, although I registered for fraud alert thru XXXX. I've maintained my cable services through a totally different company for years, never from this company. 
XX/XX/2020 - both reports inaccurately claim the debt as accurate. It is not. My identity was hacked. I do not know the company, never made or authorized any merchandise or service or account from the company. 
I want it rectified and my personal information protected. I do not, and have never had an account with XXXX XXXX. 
I called XXXX but since I could not immediately recall past loans and exact amounts during my XXXX  years of life, they want me to mail copies of my state ID, utility bill, name, SSN, Date of birth email, and phone numbers to a PO Box . I fear my identity was hacked, and better judgment dictates I do not put physical copies of every piece of personal identification in the mail. 
I need this rectified now.
Consumer complaint received 2020-04-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, are not complete and accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more than XXXX years old and is not accurate XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more then XXXX yrs old and is not accurate XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Consumer complaint received 2020-06-13
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. (NY)

TransUnion has not investigated the following account. " XXXX XXXX XXXX '' I sent a dispute letter to transunion back in XX/XX/2020 As of today XX/XX/2020 I have yet to receive notification of dispute. A violation of FCRA rules section 1681.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (GA)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :
Consumer complaint received 2020-08-04
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.