davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

We had originally sent several attempts to correct the issue with CHASE and have not been successful. 
We originally had balance transfer for 0 % interest for 12 months late last year. In XXXX we accidentally used the credit card for purchase of {$220.00}. When we realized, we immediately called CHASE and send payment to pay off that balance so we do not accrue interest charges. It has been over two months since and they continue to add portions of the {$220.00} purchases under interest. We keep contacting them and they keep saying things are reversed but on the next statement the keep showing balance...
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NE)

Hello, We're working with Caliber home loans. We are 8 months behind on mortgage payments and having been working with them to get account back to good standing. We received a notice to reinstate the mortgage on XX/XX/19and prevent foreclosure they needed payment of {$9500.00} by XX/XX/19. We sent them the payment {$9500.00} by XX/XX/2019. In talking with them today XX/XX/2019they returned payment because it didn't include XX/XX/XXXXpayment. They said to call later today to see what they will decide, we've made the payment to get the account reinstated and avoid foreclosure. We're still working on keeping the account in good standing XX/XX/XXXXgoing forward.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (MS)

I called KLS Financial approximately two weeks ago. I ask them to verify the debt and why I didn't receive anything in the mail? The lady couldn't answer the questions. I got off the phone and call back thinking that I would talk to another agent, but the same lady kept answering the phone. I was told that I had to pay they will decide if they will take it off of my report. I refuse to pay for something that will not be verified, the lady being rude. It is showing twice on the reports and two different amounts.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

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 XXXXXXXX, 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo XXXX XXXX XXXX  XXXX XXXX MD XXXX has false consumer information on my credit report. I disputed it and they lied and said they certify that the info is correct that my home mortgage was a part of my Bankruptcy when it wasn't. It looks as if i did not pay for my house when i did. I refinanced and then paid for it a year later. It shows on the report that my home was paid with my new lender who paid wells fargo. So how can it be a part of the BK.. They also added false late pays since disputing trying to make my credit bad. I had no lates and i couldn't have been late or i wouldn't have been able to refi.. They refuse to remove the false info.. I need the person doing this removed from wells fargo and the false info on my report removed. No judgement dismissed the debt per their fraudulent notes, wells was paid in full as my records show. I also was not late on payments more than 30 days nor negative like they just added to my file. XXXX  should be ashamed of themselves for allowing wells fargo to do this. They can see the same house was paid in 2017 which was the company i refi with. Please investigate them. They are playing with our lives making us not even be able to rent while having a low score over lies. Shame on wells fargo and the credit bureaus for allowing falae info to be added. I paid my wells fargo dealer loan off also XXXX with no late pays. They are liars and should not be in business if they are going to keep frauding Americans like this.
Consumer complaint received 2024-03-13
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. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CO)

I have disputed this multiple times on my credit report. After contacting the company and asking them to send written notification in the mail I never received it. The most recent contact with them I was told to call XXXX  mobile and they could help me I contacted XXXX and XXXX mobile and they said theres never been an XXXX  mobile account associated with my Social Security number. This company is harassing me. Ive told them multiple times it is not my debt to please remove it from my credit report. My information and data has been leaked 39 times and sold on the dark web. Plus, its over two years old and the federal statute of limitation on a cell phone bill is only two years This is obviously a fraudulent account and a fraudulent attempt to collect a debt. Id like it removed immediately.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Creditors Bureau Associates (AL)

Balance {$760.00} Acct # XXXX XX/XX/2022 Credit bureau association XXXX XXXX XXXX XXXX XXXX XXXX On this date ccompany oped a collection saying I owed this collector I dont know who they are and have no written consent Also they have not verified that I owe this debt to this alleged company! They are violating my rights of the firs as a consumer! Please have removed from all three credit bureau!
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have a collection XXXX from XXXX XXXX which was fraud. My brother use my personal information with my consent. The amount of the collection in the amount of {$900.00}. I have small loan inquiries which I never applied for. I already informed the FBI about the issue. And I am a victim of mail theft and identity theft.
Consumer complaint received 2022-10-07
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: National Credit Systems,Inc. (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2023-02-18
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. (CA)

Im submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION XXXX So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. (LA)

I went to a dealership to get a car at XXXX and now I have 4 Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and XXXX, XXXX
Consumer complaint received 2023-10-30
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. (MD)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Maryland XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$78.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

IDENTITY THEFT REPORT FILED FOR THE FOLLOWING ACCOUNTS : 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 XXXXXXXX I DO NOT HAVE AN ACCOUNT OR CONTRACT WITH THIS COMPANY.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

At the beginning of XXXX XXXX I attempted to pay my mortgage online with PennyMac ( PM ) Mortgage. I discovered PennyMac 's website did not recognize my username and password. I attempted to recover my username and learned the PennyMac system had 3 different usernames for me. 

I contacted PM customer service ( CS ), they explained I had several active mortgages in their system. Note : I only have one currently active loan with PM. I have had loans with PM is the past but had paid those loans off, sale of my home or refi that was paid off. 

CS had me attempt to use each of the 3 usernames, all 3 showed account inactive on PM website. CS escalated my issue to the next level of CS, the higher level CS agent attempted to solve my username issue but was unsuccessful. He stated he would contact me on Friday, XXXX XXXX, XXXX to assist me with a solution to recover my username. Unfortunately, I missed his call and he left a VM. 

On XXXX XXXX, XXXX, I called the CS # left by the higher level CS agent. I had to re-explain my situation all over again. The CS agent could not recover my username, state they would escalate and never transferred me to a higher level CS agent. I had to take their survey at the end of the call to escalate to the higher level CS agent, XXXX. 

XXXX had me create another username, so now I had 4 usernames. The new username did not work. XXXX claimed the PM website was defaulting to an old email address and work phone number even thought when I asked for a lost username recovery I received a PM recover process and code from current email which I've had for 15 years. 

XXXX told me she would have to file a ticket with PM 's Web Team to re-set or provide a new username for me. XXXX stated she would call me back in 48-72 hours. 

XXXX did not call me or follow up with an email. 

On XXXX XXXX, XXXX I contacted PM CS for a third time, XXXX CS agent, told me he could see the notes from XXXX reporting the issue to the PM Web Team but could not see any other activity related to solving my username recovery. 

I told XXXX I would be reporting PM 's failure to recover or provide me the opportunity to reset my username so I can pay my mortgage online and or retrieve my tax information for XXXX tax purposes. 

Thank you for reviewing my case,. 
XXXX XXXX XXXX
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (NY)

I previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/ XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX/XXXX, XXXX/XXXX
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I opened a Sams Club credit card through Sychrony Bank and had never used it. It had a {$2500.00} credit limit. I did not notice that I had a payment due of {$31.00}. I assumed this might be for a yearly fee. So, I got online and made the payment. Only to realize after the payment, it said I still owed over {$100.00} still. I called the credit card company and was informed that the charge was for a yearly membership to Sams Club, and was sent to XXXX Indiana, Sams Club. I told them my account was not due at that time and I have been living in Florida for the past few years and my Sams Club was located in XXXX XXXX now. I told them I had paid my yearly membership in store and on my debit card. I was told to send a fax to them to prove this and this would be handled. I did do this, but with no resolution. They said they never received it, I told them I had called the XXXX location and there was never any money sent to them in my behalf. I told them to call the store and work it out. This was and has never been done by Sychrony Bank. I resent the fax a second time to them and still nothing. I have talked to managers and they say they will look into it, but never do. I still get text, emails and phone calls constantly. So here I am filing this complaint with you. I would have paid, if I had used the card and actually charged something, but it is the principle that I stand by. I refuse to be bullied by a large company for something I never charged. They have caused harm to my credit rating. Need some assistance. Thank you.
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (FL)

I have pulled my Experian report and noticed an unverified account. I have tried contacting both Experian as well as the debt collector. They both refuse to investigate properly and delete this account from my credit report. 

I mailed Experian to look into this account on XX/XX/2019. This letter was sent certified. I also mailed the debt collector on XX/XX/2019 and XX/XX/2019 for debt validation. They mailed me a letter back on XX/XX/2019 stating " we have reviewed this dispute and determined that it did not contain sufficient information to resolve the matter '' this reply was very confusing. 

They continue to refuse to delete this from my report even though it is illegal what they are doing. Please assist. Please see Proof attached.
Consumer complaint received 2015-12-26
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

Navient hired XXXX XXXX XXXX XXXX to collect on student loans. XXXX XXXX XXXX XXXX is alleging that I have only paid {$1000.00} in total for the last XXXX payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. XXXX XXXX XXXX XXXX is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00}, which is patently false. Navient and XXXX XXXX XXXX Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00} on my account. XXXX XXXX XXXX XXXX is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. XXXX XXXX XXXX XXXX is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I sent four payments starting on XX/XX/XXXX via PayPal. This was on behalf of XXXX XXXX  with the promise that I would be paid money that was in my account. Their domain was XXXX In total I paid over {$40000.00} to XXXX XXXX. I have a copy of all correspondence with them as well. Their website was XXXX, but reopened with a different domain. I sent them money through crypto, so it is unlikely that money can be recovered. The new site, XXXX, has asked for another {$1500.00} with the promise I would be paid {$100000.00}. I have not paid the new site any money. That domain is still active. Additional money was sent through PayPal, which is what I am specifically referencing here. First were three payments of {$950.00} to email address XXXX. Second was a payment of {$2300.00} on XX/XX/XXXX to email address XXXX. I never got any money and was unable to resolve this through PayPal. I have attempted to request the money back from the users, but have not been able to. The email address XXXX has cancelled my request several times. The other email address has failed to respond. PayPal will also not let me send a secure message to the users through the site. If if it possible to recover the other funds, I can provide any and all documentation regarding promises made about payment.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting false information to my credit report with error also on my credit report with different information on all XXXX credit reports. XXXX XXXX offered me a settlement on my platinum credit card in 3 installment payments in the amount of {$93.00} for a total of {$280.00} starting on XX/XX/2023 XXXXXXXX. Two payments have been paid on XX/XX/2023, XXXX/XXXX/XXXX and I can't get them to send me an update on the payment status history. 

The information on all three credit reports is wrong and by law under the fair credit act it must be removed for errors reporting.