davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
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)

I contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be removed.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

XX/XX/2023, XXXX XXXX XXXX reported a XXXX collection to my equifax and experian and it is not correct and not mines.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have submitted multiple written communication with the debt collection agencies LVNV Funding LLC, XXXX XXXX & Resurgent whom all are attempting to collect on the same debts. In addition I have requested a debt validation of the debt and neither of the above identified companies has provided me with the requested information. 

Several request to have this information deleted from my personal credit file was also request and the above mentioned named companies has failed to remove this information from the credit bureau.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

American Express offered me a discounted amount to clear the debt from my credit report. I paid the amount by the deadline of the offer, but it is still showing on my credit. It has been now 40 days since the account was settled. I call every day and ask that this be removed as I can not close on a home loan until it is removed from my credit. Please help!
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

I made 3 payments of {$420.00} each on the due dates for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The website showed most of the payments each month went toward principal, however I called XXXX today because the dashboard was confusing - indicating my payment of {$100.00} was not due until XX/XX/XXXX ( skipping XX/XX/XXXX payment ). According to the Rep and Manager, their computer did not show any pay-down on principal. Rather, it showed only paid-ahead status and told me that I should've called to ask them to apply the over-payments in a specific way. In no way or form was it ever communicated to me that I needed to do this extra step ( and each month going forward! ). Also, it is extremely misleading to show a pay-down on principal only to be inaccurate when I called. A normal and reasonable consumer would think the website is accurate and continue making payments, which is what I did until today ( via AutoPay ). 

For example, my {$420.00} payment for XX/XX/XXXX showed {$300.00} to principal and {$110.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. 

The manager attempted to fudge the simple interest loan information and claim that I did not know what I was talking about and it did not matter whether I paid in XX/XX/XXXXor all now, the benefit would be the same. This is clearly not the case because if the remaining principal was lower in XX/XX/XXXX, I would've owed less interest for the XX/XX/XXXX payment, and so forth.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Filed a complaint last year. This is the 6th complaint regarding the same issue. The Division of child support keeps closing then reopening my case when its been closed for several years. The statue of limitations has passed since the account has been reported to be opened since 2001. Equifax has remreapoved and deleted it 4 times, yret it keeps reappearing with inaccurate information that seems to change each time I dispute it. It was removed and deleted in XXXX of this year. I filed another dispute this week since it reappeared back on my report. The number that's listed for me to call is not listed.I called a 1800 number that's a call center, so now I'm filing a complaint since this is transpiring too often. I tried uploading documents through Equifax it would not allow it as well
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Ad Astra Recovery Services Inc (TX)

I received my credit report showing Ad Astra is collecting on behalf of XXXX XXXX XXXX XXXX for an loan I never received or applied for on XX/XX/2014. I have been disputing with this company for months & the credit bureaus that this is not my loan. Ad Astra sent me a letter, but this was no contract that I signed. This is misleading & inaccurate on my credit reports, Federal Law requires that mechanisms is provided to ensure that each item on my credit is accurate. I also have placed Fraud Alerts on my credit showing I was a victim of identity theft in 2014
Consumer complaint received 2018-02-01
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. (FL)

XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (RI)

Hello, This morning ( XX/XX/21 ) I received a call at about XXXX XXXX saying that {$340.00} was charged to my XXXX card for an order at XXXX. If I did spend this money I was to do nothing. But if I did not spend this, I was to call this number XXXX XXXX XXXX XXXX. I did not spend this money, but rather than calling this number, I chatted with an XXXX representative through the customer service section at their website. The XXXX associate told me this phone number was not associated with XXXX, and then verified that nobody from XXXX called me. He also told me not to call the number and not to give out any of my credit card info. The associate gave me a link to send this report to you. 

Thank you for your attention to this matter. 

Sincerely,XX/XX/XXXX
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

We are behind on our mortgage and applied with XXXX XXXX XXXX  on the very first day applications opened on XX/XX/XXXX. I called XXXX XXXX XXXX  on XX/XX/XXXX as the status on my application was " third party action needed '' they stated they were waiting for Select Portfolio Servicing to send the requested documents to them the documents were requested on XX/XX/XXXX and XX/XX/XXXX. I then called SPS ( Select Portfolio Servicing ) and the Ombudsman Department XXXX said she would forward it to the people handling said program. I called again on XX/XX/XXXX and XXXX in the Ombudsman Dept. said she was sending another follow-up escalation to said people. On XX/XX/XXXX I called SPS again and XXXX in the Ombudsman Dept said they were working on getting the paperwork done and I should call the XXXX XXXX XXXX program and request they resubmit the paperwork to SPS. I keep making calls back and forth from the XXXX XXXX XXXX  to SPS every XXXX weeks and keep getting the run around from SPS but always get told by Home Help that SPS has not sent the information they have requested. In XXXX SPS requested my husband and I resubmit homeowner assistance paperwork which we did just so that they could yet again deny us help. They keep giving us the runaround and not cooperating with the XXXX XXXX XXXX program, causing more fees to be added to our mortgage. The XXXX mortgage program would be able to pay all of our arrears on our mortgage and we would be able to pay our mortgage each month but Select Portfolio Servicing refuses to cooperate. We are terrified we will lose our home, causing us to have medical problems. It's not right what they are doing and they need to be held accountable for their actions.
Consumer complaint received 2019-01-03
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. (NV)

experian should remove the following accts ... XXXX  XXXX ... XXXX XXXX XXXX ... .XXXX XXXX XXXX ... .XXXX XXXX
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I ( XXXX XXXX Military, XXXX XXXX ) purchased a product through money transfer service XXXX through the USAA Banking XXXX. Sent {$880.00} from my savings account, through XXXX on the USAA Banking XXXX on XXXX XX/XX/2019. Transfer completed on XXXX XX/XX/2019, verified from USAA. Called and texted seller, did not receive any update or word on the money being received and/or product being shipped. Filed a dispute with USAA to obtain a refund on XXXX XX/XX/2019, they denied any responsibility and did not issue a refund. Called XXXX and they only referred me to my banking service and said I have to obtain a refund through USAA. 
Now I have no product, {$880.00} was stolen from my savings account which USAA nor XXXX will not refund even with proper disputes and proof. I intend on moving this case to the Military Judge Advocate and legal services if not resolved. 
My wife and I are XXXX ( moving ) to another duty station at the end of this year and this money is extremely important to us, it can cover moving expenses, rentals and food while moving. I have been with USAA a long time and the fact that they are denying any help at all in this case is extremely saddening, if this can't be resolved we will look into other banking services that can provide buyer/user/veteran protection for money transfers. 

Please help! Thank you.
Consumer complaint received 2023-08-01
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

In XX/XX/2018 I applied for a credit card and was denied because my information did not match my SS number. I was told by Equifax that one number was off. I faxed and mailed my identification ( total of 3 times ). I received a credit report stating I was also known as a woman ( I am a XXXX year old man, XXXX at the time in question ), in a different state with multiple accounts that were not mine. I filed the dispute paperwork online and mailed in a copy. I received multiple emails from Equifax stating the dispute was resolved with instructions to access it online. However, I can not access it online because I get an error stating the information does not match. I have called numerous times, all I want is an updated copy of my credit report because I am afraid it was not corrected properly since I am unable to access it online. I have emailed Equifax numerous times and am told to call customer service. Everytime I call, I am put on hold only to be told their computer system is down. All I want is a copy of my credit report and I seem unable to get it. The other credit reporting agencies had my information correct.
Consumer complaint received 2018-02-01
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. (NY)

I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, CHASE Home Mortgage has lied to me and my family for the past 6 years playing games with my home. At the beginning of this year CHASE HOME MORTGAGE told me to email all my financial documents since the interest rates dropped and i was eligible for a loan modification to be able to avoid foreclosure. 

After 3 months under review for the 5th time with CHASE HOME MORTGAGE they told me i was not eligible because it is not on the best interest to help me avoid foreclosure and the only way to avoid foreclosure was now to apply for a short sale which Now CHASE HOME MORTGAGE is telling me that i have no options because the investor of the loan is CHASE and they don't feel like helping me avoid because of my history and background.

Due to the fact that CHASE Home Mortgage is the servicer and owner of my loan, XXXX XXXX from the escalations team phone # XXXX told me that they will not help me in any way because my investor which is CHASE HOME MORTGAGE doesn't not comply with any short sale regulations any longer, XXXX XXXX from the escalations team phone # XXXX also told me that even if i filed a complaint with the CFPB, OCC or the State Attorney General nothing will change since those government agencies are on their side with the new administration. 

As a homeowner trying to do your best to avoid foreclosure i don't believe this is fair for me and my family. ALL IM TRYING TO DO IS END THIS NIGHTMARE FOR GOOD! 

XXXX XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

The Collection Bureau of America ( CBA ) incorrectly assigned or tagged me with another person 's debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of {$100.00}. The person 's outstanding account ( XXXX XXXX ) is not me and I do not have the same name and never have lived at the XXXX ( California ) address where the debt occurred. The account was not tied to my social security number when XXXX XXXX XXXX gave the collection agency this debt. The CBA collection agency tricked me into giving them my social security number and mailing address as well as other information so that they could send me a " fraud package '' however, instead they incorrectly sent me a bill saying that they have identified me as " the correct consumer for this account ''. After numerous times calling CBA, they requested me to call XXXX XXXX XXXX to resolve the issue. XXXX XXXX XXXX has cleared it on their end. CBA still refuses to allow me to resolve this issue and send me a fraud package. I have asked multiple times and they keep telling me to call XXXX XXXX XXXX. XXXX XXXX XXXX has stated that this account is not for me and they have not tied me with this account that CBA has tied with my SSN. I have spent numerous hours in XX/XX/XXXX and XX/XX/XXXX trying to clear this confusion. I have talked to XXXX XXXX at CBA approximately 5 or 6 times and he refuses to connect me to his " supervisor '' and keeps putting me on hold. He refuses to send me a fraud package or put me through to anyone else at CBA. I suspect that he doesn't have a supervisor, hence, getting frustrated talking to me and rudely putting me on hold while I am in the middle of a sentence. I have not been able to talk to anyone else at this company. This collection agency has fraudulently taken my social security number and used it for this other person 's account. This has significantly affected my near-perfect credit score and has caused me to spend an unnecessary huge amount of time and effort to fix a mistake that is not even mine, that CBA has made.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

I have been listed on a store charge account as an authorized user. I contacted the primary account holder to contact the lender to remove me as an authorized user. She contacted the lender on XX/XX/XXXX and the lender process the request to remove my name from the account. I pulled my monthly credit report from my monthly monitoring service ( XXXX  ) today ( XX/XX/XXXX ). This charge account is still listed on my credit report. I have contacted the primary account holder if she can contact the lender and ask for a " courtesy update '' on the correct information to the credit reporting bureaus. The lender advises they are unable to process that request. 

Thank you!
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

One day I wake up and I cant get into my cash app. It was a big ordeal bc you cant talk to somebody and have a real conversation. Well I had a deposit fixing to land so I reversed the deposit b no couldnt even get chat support bc the cash app had some issues come to find. Well why didnt they just say do. Next thing I know they close my account. They make me feel like some kind of criminal and I dont appreciate it. Its wrong how they do me and maybe all the call holders are getting blamed for stuff. They keep tesponding the same thing like a broken record. I dont want any bitcoins or stocks. They will allow me to do that but not send money to my daughter. Makes no sense. I would like an explanation. I told them last night to completely close all my stuff and they have my tax info from last years taxes. Im concerned.