davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

This letter is regarding an account, which you claim I owe {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NV)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

JPMCB - CARD SERVICE XXXX. JPMCB CARD SERVICES XXXX, JPMCB - HOME XXXX XXXX
Consumer complaint received 2018-10-23
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. (FL)

I was out of the countries for 14 months while I was gone my XXXX XXXX XXXX along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from XXXX and saying I owe almost XXXX I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WESTERN UNION COMPANY, THE (CO)

On XX/XX/XXXX my computer was hacked into by a guy claiming to be from XXXX and wanted to fix a virus I had on my computer. At the time I could not get out of the computer so he took control of the computer only for me to learn he had fraudulently hacked into my debit bank card, my XXXX credit I had and all in all charged off over {$1200.00} in purchases. 
I was able to claim back from XXXX the credit I had there, as well as other charges he had done but the one charge i never recouped was with Western Union and that was a {$430.00} charge or money sent. 
That money sent I learned was to a XXXX XXXX in the XXXX, NY and was picked up at XXXXXXXX XXXX on XX/XX/2018. 
I have spoken to the supervisor XXXX with Western Union butr he claims to still be working on the case. 
The debit card that was used was # XXXX. That card was shut down by my bank, XXXX XXXX as a result of this fraudlent activity. The bank claimed it was my fault. 
The tracking number on the transfer was XXXX. I contacted the Sheriffs Dept and filed a complaint.

The phone number for the Western Union Manager XXXX was XXXX Opt XXXX. 
I do not know a XXXXXXXX XXXX and I did not authorize the transaction and I feel i am owed that {$430.00}. 
Western Union has not helped me in tracking down the guy that did this. I need that money desperately Thank You
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was out of the countries for 14 months while I was gone my chase freedom card along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from chase and saying I owe almost 11k I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

My lender at the present time is SPS and my loan was serviced transferred to them in XX/XX/XXXX and before that was XXXX. Either lender has REFUSED TO OFFER ME ANY MORTGAGE ASSISTANCE AT ALL. My interest rate is 8.5 % that is so high for these days and asking for help over and over again but to give me a outrageous repayment plan I can not afford. Below is what they gave to me and this will not even take me out of foreclosure. I want something more affordable and at the going rate today of 4.25 % to 4.75 % and this home would be affordable for me to keep. 


SALE DATE XX/XX/XXXX APPROVED FOR REPAYMENT ONLY OFFER AND LAST OFFER NEW PAYMENT WILL START XX/XX/XXXX FOR 12 MONTH RE PAYMENT PLAN NEW PAYMENT WILL BE {$7200.00} THERE IS NO GRACE PERIOD AT ALL HE IS P/D 110 MONTHS TOTALING OVER XXXX THIS WILL NOT BRING HIM CURRENT AFTER THE 12 MONTHS HE WILL HAVE TO RE APPLY AGAIN SALE DATE HAS BEEN SET FOR XX/XX/XXXX NOW IF THIS OFFER IS NOT TAKEN THEY WILL NOT OFFER ANY OTHER OPTIONS FOR HER AT ALL Even with my first lender was XXXX they did not offer me nothing. I have been trying and struggling to keep my home and get back on track with my lender SPS but they have made it so difficult for me to even get on track with such a large payment and nothing is a guarantee either they wont take my home after i would agree to anything. 
So it all comes down to one thing, not XXXX TO SPS have given me one modification at all since i have obtained the loan in XX/XX/XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

On XX/XX/2018 and XX/XX/2018, I requested proper validation from Choice Recovery stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to furnish such information.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (OH)

In accordance with the Fair 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
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair 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
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (VA)

In the past three weeks I have been receiving e-mails about a credit card debt I had owed for a credit card that was not applied. The debt was for XXXX on a XXXX XXXX XXXX credit card that had not been issued. XXXX XXXX had been aggressively E-mailing me about this debt with a threat to negatively effect my credit score and sue if I didnt reply. I had contacted the company TrueAccord who had been issued the debt as a third party accreditation. They wanted more personal and federal information about myself and would not let me discuss my dispute or talk to a manager or administrator in charge. They agreed to remove me from the mailing list.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (PA)

I understand that pursuant to 15 usc 1681 ( a ) ( 4 ) the credit reporting agencies did not exercise there grave responsibility with fairness. They was completely unfair, and impartial. They even in fringed upon my right to privacy. Proof of this is they furnished multiple transactions which they can't even prove took place, and never even consulted with me through email, phone or mail to get proof these inaccurate transactions took place. Then what make matters worse they solicited and advertised these transaction for anyone to see. This is irresponsible, unfair impartial and infringement upon my right to privacy. They broke the law...
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Back in XXXX, I opted out of this company being allowed to charge more interest on already purchased items, therefore, the company closed my account and nothing has ever been charged on it since ... the interest was XXXX. Today, I receive my bill and they jacked it up, yet again, now its up to XXXX. This is unacceptable. I agreed to never charge again on this account and they agreed to never increase the interest rate. The XXXX lady was of no assistance. I want my over pay for the past couple of months credited back to my account and a FREEZE placed on this account like there should have been 10yrs. ago.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r 1XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXXXXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with XXXX and XXXX XXXX and they removed this SPECIALIZED LOAN SERVICI info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name SPECIALIZED LOAN SERVICI Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (GA)

For the past six years I've tried to have Chase bank correct my name on all communications sent to me. They have someone's name linked to my online profile. This is very concerning and it seems as if no one there knows how to fix the problem.
Consumer complaint received 2020-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AR)

I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect. Debt was removed and keep reappearing in error in 2019 ( {$460.00} XXXX XXXX  )
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

Our Mortgage was originally with XXXXXXXX XXXX. Unfortunately there were some health issues in XXXX and XXXX that caused us to start falling behind. We requested a modification to the loan - at this time we were only 45 days past due but trying to keep up with the regular payments. XXXX XXXX started the modification process, however in the 3rd month of  our modified payment trial XXXX XXXX  sold the loan to Bayview Loan Servicing LLC. We were told by XXXX XXXX that Bayview would honor the modification. Bayview did NOT. We started this process in XXXX of XXXX with XXXX XXXX  As of today XX/XX/XXXX the modification is not complete with Bayview. We are making our modified payment to Bayview on time each month yet we are told that there is one thing or another preventing the modification. The latest challenge has been the home equity loan we have on the house, Bayview needed the credit union to subordinate the title. We spoke with the Credit union and they sent the required document list to Bayview in XXXX of XXXX. As of this date XX/XX/XXXX Bayview has yet to send the correct documents to the credit union to finalize the modification. The fear now is that all the money we sent to Bayview that was put in suspense will be eaten by fees and charges rather than going towards the loan. We have requested a transaction report several times but have received nothing. I am attaching a detailed timeline of events document to this complaint as it is too large to type into the window provided.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have report this student loan to the ftc since XXXX and nothing has been done i just did 2 new ftc report on XX/XX/XXXX and also request for verification from them and nothing have been sent the student loan was report to me credit before and it was deleted and not it came back on just a difference account number
Consumer complaint received 2019-01-10
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: DISCOVER BANK (TX)

I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from factortrust on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for discover bank on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX credit on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I received an unsigned letter from CitiBank on XX/XX/XXXX regarding an issue with account statement in their system. They are knowingly misleading me and not really trying to help. They did not credit my payments in their system. I've sent payments via the mail, and wasn't even notified of the bill they tried to collect as stated in the letter I received. I would like to dispute the charges on the statement. Please remove the passed due payment remarks in your system and credit report. 

I am writing to dispute a past due payment on my credit report. CitiBank has been reporting late payments on tradeline CNBA account number XXXX inaccurately on my consumer report. I have reached out to CitiBank for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything.

It is almost impossible to get ahold of anybody on the phone from XXXX, XXXX, or XXXX even if even when your a paying customer. They are basically using my information with my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that Citibank, XXXX XXXX and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. Citibank, XXXX XXXX and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and reccomend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (NY)

The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.
Consumer complaint received 2022-03-11
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. (CA)

I am writing to dispute a past due payment on my credit report. XXXX has been reporting late payments on tradeline XXXX account number XXXX inaccurately on my consumer report. I have reached out to XXXX for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything. 

It is almost impossible to get ahold of anybody on the phone from XXXX, Transunion, or XXXX even if even when your a paying customer. I want my money back. I am dissatisfied by your service. They are basically using my information without my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that XXXX, Transunion and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. Please fix the technical errors in your system. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. XXXX, Transunion and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and recommend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.