davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX  XXXX  XXXX {$970.00} XXXX  XXXX  XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-02-18
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. (FL)

Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Collection Agencies, Inc. (WI)

Alliance Collection AG {$320.00} XX/XX/XXXX Alliance Collection AG {$83.00} XX/XX/XXXX Alliance Collection AG {$430.00} XX/XX/XXXX Alliance Collection AG {$160.00} XX/XX/XXXX Alliance Collection is reporting on my credit as a debt. I have not done business with Alliance.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Mortgage company made an encoding error with my XXXX payment and only validated my check for only {$110.00} when I wrote in the line amount {$1100.00}. They called me on XX/XX/XXXX telling me I was late on my mortgage payment. So I made a payment over the phone with them for {$1000.00}. Which was paid via ACH, but on XX/XX/2020 they had debited my account another {$1000.00} for the encoding error that they promised was fixed with the payment made via telephone. I reached out to New Rez on XX/XX/XXXX with a Branch Manager from my bank and I was told it would be refunded back to my checking account in 7-10 business days. Nothing ever came about so I came back into my Bank to have another Manager help me contact New Rez on XX/XX/XXXX were told that the funds would be expedited and put back into my account next business day. Nothing was refunded, So I went back to my bank on XX/XX/XXXX and had another Branch Manager Call with me and he typed up a letter and faxed it to XXXX XXXX he assured the money would be put back into my account in 3-5 days along with {$630.00} worth of fees they owed me. I am not back at the bank on XX/XX/2020 and still have not received funds back. I am on social security with limited income and was without money for multiple weeks because of this mortgage companies errors. My manager advised me submitting a claim with the CFBP and for you to also check to make sure I was not reported late on my credit because of their error.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for Experian is unknown. According to XXXX, it is '120 days past due ' and Experian list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On Transunion, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to Transunion, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXXXXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

. In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I try to pay my mortgage by the XXXX but for XXXX my pay period came after that so I was going to pay and I knew there would be a late fee. My mortgage is with Lakeview Loan Servicing XXXX and according to the reports I've seen they were hit with a cybersecurity attack and many people were affected. The thing is the website has been down for over 2 weeks and the customer service line has no information on our loans! I don't want to be in default of my loan! It's now XX/XX/XXXX and I still can't make a payment. I don't want to have a negative mark on my credit because of this.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

I had a Target RedCard MasterCard, which I had since 1998. I was set up on their automatic payment feature which automatically drew the full amount owed from my bank account. Last month, I used their online feature to pause my automatic payment for the month and make a one-time payment of {$3500.00}. On XX/XX/XXXX, I received an email from Target RedCard that my payment didn't go through because of insufficient funds. I checked my bank account and verified that I had more than enough funds in my account. So, resubmitted the payment to go through. Again, on XX/XX/XXXX, I received an email stating that my payment was returned for insufficient funds. I called Target RedCard and asked for their assistance. They advised me to make a payment over the phone, then call my bank to see what the issue was. They then transferred me to a third party provider who took my payment over the phone and told me that my account would be current in one to two days when the check by phone was processed. I called my bank and was told that they were no records that any attempt was made to withdraw any funds from my account and that I had sufficient funds in the account. After researching more, I figured out that they were trying to draw the payment from my ex-husband 's account. I didn't even know that the Target RedCard still had access to his account since all my Automatic Payments were drawn from my personal account. 
The next day, I tried to use my Target RedCard and was told that it was declined. I called Target and was told that my card had been canceled for two declined payments. They said that whoever had taken my payment the prior day should have told me that it was already canceled. I explained that the payments were posted to the wrong account, they said that it was still considered a returned payment and they close those automatically. They said that they would make notes that I was not told it was canceled to improve their customer experience, and they offered to send me a letter explaining why my card had been canceled. 
When I expressed my shock and disappointment, the supervisor on the line said that they understood my frustration and that I could reapply for a Target RedCard at the store. I explained that I had been a cardholder for over 20 years, and did not have missed or late payments. They again said there was nothing to be done. When I asked if this was going to show up on my credit report, they confirmed that it would and offered to send the letter explaining why they had canceled the card.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp. (FL)

I financed a vehicle XXXX XXXX XXXX on XX/XX/XXXX. The total financed was {$21000.00}. The annual percentage rate is 7.90 % per year. Number of payments is 72 months of {$380.00}. First payment due date is on XX/XX/XXXX of {$380.00} but made the payment using a debit card on XX/XX/XXXX. 
Checking through their website at Setf.com I see a payoff amount of {$21000.00} on XX/XX/XXXX. Then on XX/XX/XXXX the payoff amount is {>= $1,000,000}. But why? If I made their first payment before the actual due date. I dont know why it increases the pay off amount by each day when it should be annual percentage rate. How do they expect someone to pay it off quickly when this is happening. 
I reached out to them but each person I speak to gives me a different answer which for me it surely doesnt make sense at all.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2021-11-17
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: Avant Holding Company, Inc. (CA)

Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like XXXXXXXX XXXX  from XXXX the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a letter in XX/XX/2021 from a company that I had applied for mortgage pre-qualification. The letter listed the telephone number for Annual Credit Report to obtain my file from all three credit reporting companies. I called the number, provided the requested information inclusive of security questions to verify my identity. The automated system advised the reports would be received within 15 days. I received no such reports. On XX/XX/2021 I the bureaus direct, still no report. On XX/XX/2021 I called XXXX again but still no report. On XX/XX/XXXX, I downloaded the Annual Credit Report Request Form, completed the required information and mailed the form certified mail/signature confirmation but still did not receive my file from either bureau. I filed a complaint with CFPB and shortly afterwards I received my credit report from XXXX  and XXXX. The TransUnion  file was never received. I am attaching a copy of the request form. I attempted to contact TransUnion  direct but was met with rude and unprofessional conduct. The Annual Credit Report Request Form was sufficient for XXXX  and XXXX  but I can not get my file from TransUnion.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KeyStone Financial ,LLC (SC)

Before I was laid off I was paying debt to Keystone financial and once I was sent home several days a week so my checks were short then I was laid off my job I told them every step of the way. I've been laid off since XX/XX/2021. I just really started getting my unemployment and I have to budget that for lights, rent, gas, phone, food, and car insurance. I've tried to work with them and on Friday XX/XX/2021 I was called and I was at a wedding and when the wedding was over I really forgot about the call. On Sunday after church I had a voicemail from XXXX and the message was from Saturday XX/XX/2021 and on the message he told me that he thinks I'm dodging him and that he is coming to take my car! The number he called me from on Saturday I didn't answer because it was a number I didn't recognize from Maryland and come to find out when I checked voicemail it was XXXX 's personal phone and he called me on Saturday when the office isn't even open. When I applied for the loan I didn't realize the interest amount and they paid off a title loan for me and now they say I'm in debited to them for {$8100.00} off of a {$2000.00} dollar title loan. I'll never be able to pay this off and I'm afraid he's gon na come and take my car. I'm wandering how am I suppose to live if I give them all the money I'm getting for unemployment. I really hope that you can help me with the situation at hand. Thank you
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I sent a letter dated XXXX requesting to close my account because I can't afford the membership fee because I have been out of work due to XXXX. I also asked Capital One to consider waiving my membership fee, and I would keep the card. 

My account was closed on XXXX XXXX XXXX, and my membership fee was not credited to my account. I called on XXXX and spoke to a representative, and they said they couldn't remove the membership fee. 

Why would Capital One cancel my card AND charge me a membership fee for a card that I can't use or afford? 

On XXXX I sent an email to XXXX XXXX XXXX of Capital One in an attempt to get a fair resolution. 

I received a phone call saying that my fee cant be waived because I missed the timeline.
Consumer complaint received 2021-11-17
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: JPMORGAN CHASE & CO. (TX)

I called Chase Bank to dispute an amount on my statement. Here are the events that follow : * I called Chase Bank and told them that the merchant was not authorized to charge me * Two representatives refused to dispute the amount * Then I was routed to their managers and she agreed to file the dispute * After she filed the dispute, the dispute was closed a few seconds later not in my favor * I check on Chase.com Web site to see the reason. It was a fraudulent letter to me, absolutely a lie : " The merchant reviewed your dispute, but didn't find evidence of a billing error. You're still responsible for payment and will see a charge equal to the disputed amount on your next statement. If you received a temporary credit while your dispute was under review, it'll be removed. '' * I called back and they admitted that Chase Bank never contacted the merchant
Consumer complaint received 2021-08-24
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. (DC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (SC)

We inherited this property and its mortgage when my father in law passed away. The mortgage holder, Selene Finance, stated that we could just continue to pay the mortgage. In or around XX/XX/XXXX, they offered us a forbearance package because we were behind due to Covid and desired to keep our family home. We completed all necessary documentation pertaining to this. We received notice that the forbearance had been approved and we signed ACH documentation granting permission for the payments to be automatically drafted from our checking account. NOT ONCE has Selene Finance drafted a payment from the account or offered reasoning as to why this was not done. Once we recognized that said payments were not being withdrawn from our account we began to mail them checks on the account. These were NOT posted to the account. We were not notified that they were NOT being posted to the account. After unsuccessfully attempting to contact them both via telephone and in writing, I finally got someone one the phone. I was initially told that the forbearance was missing signatures but XXXX ( representative whom I spoke with ) refused to tell me WHOSE signatures were missing! When I asked why we were NOT notified of this I was informed that they had sent notification to the estate attorney, who has already told them the estate has been settled and she is no longer on the case. Said attorney did NOT forward anything to us as she is no longer getting paid because the estate has been settled. I requested to speak with XXXX XXXX in the XXXX XXXX department because this is the signature on the letter sent to us. XXXX REFUSED to transfer me to XXXX XXXX. I essentially got NO WHERE with this representative. So, I called back and spoke with XXXX, yet another representative, who stated that we were in default and nothing could be done to help us. I asked him to transfer me to XXXX XXXX and was told that XXXX XXXX was at lunch but he would leave a message for him to call me. I have NOT received a call back from XXXX XXXX. Dealing with this company has been an utter nightmare since my father in law passed away in XXXX. Our desire is to KEEP our home! We have jumped through every whoop they have demanded and we are still be jerked around! They simply want our home! They do not do the things they state they will do such as automatically draft payments, post payments made on the account in a timely fashion, or work with their clientele. We NEED HELP IMMEDIATELY! ( You and Selene Finance have my consent to speak with my wife : XXXX XXXX, pertaining to this matter ).