davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

Southern Management System a collections agency for XXXX XXXX XXXX   XXXX has been reporting to the credit reporting bureaus that I owe them {$540.00}. I have disputed this with the credit bureaus ( XXXX, XXXX, and XXXX ) and I have disputed with XXXX XXXX as well. None of these companies have furnished me with the proof that this debt belongs to me. I actually received an email from XXXX XXXX recently and in that email they attached an invoice for someone other than me. The invoice was created with some software and not a real copy of an invoice that was signed by anyone. This has been going on for months and its negatively effecting my credit score. I thought the credit bureaus would help but they haven't and the original creditor just gave me the runaround. I desperately need this off my credit report. I'm taking this step before I pay an attorney to represent me in court.
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. (AL)

This is a complaint against timeshare XXXX XXXX XXXX  ( XXXX XXXX XXXX ). The people I dealt with told me that I'm making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I was also under the influence of alcohol during this time and I was XXXX, so I felt these factors were used and I was harassed and was taken advantage of, they didn't even allow me to read the contract. I didn't know how to cancel, they never properly educated me like how many days to cancel and such. I had the worst experience with this timeshare, I was highly pressured with their sales tactics. I'm old and I already have a few medical conditions such as XXXX, they simply took advantage of my current state to get me into this. I was simply defrauded and lied to. Having this timeshare just gave me hardships rather than helping me to relieve stress for people my age, especially when I'm already dealing with several medical conditions, but getting involved with this timeshare just doesn't help, it actually makes it worse for people like me. Problems caused by this even make me lose sleep and its just extremely stressful for me.
Consumer complaint received 2023-03-19
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. (NY)

The continuous reporting of my lateness that happened a while ago due to economic hardship, In accordance with the federal credit reporting act this creditor has violated my right under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is a complaint against timeshare XXXX / XXXX ( XXXX XXXXXXXX XXXX ). The people I dealt with told me that I'm making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I was also under the influence of alcohol during this time and I was XXXX, so I felt these factors were used and I was harassed and was taken advantage of, they didn't even allow me to read the contract. I didn't know how to cancel, they never properly educated me like how many days to cancel and such. I had the worst experience with this timeshare, I was highly pressured with their sales tactics. I'm old and I already have a few medical conditions such as XXXX they simply took advantage of my current state to get me into this. I was simply defrauded and lied to. Having this timeshare just gave me hardships rather than helping me to relieve stress for people my age, especially when I'm already dealing with several medical conditions, but getting involved with this timeshare just doesn't help, it actually makes it worse for people like me. Problems caused by this even make me lose sleep and its just extremely stressful for me.
Consumer complaint received 2017-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AZ)

My payments are due on the   XXXX   of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the   XXXX   of each month enough time for Caliber Home Loans  to process the payment before the  XXXX . I have documentation that shows recent payments were sent to their  XXXX   XXXX   and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the  mail, but it is sent to them and I have no control over how many times they visit the  XXXX   XXXX   . Ev en if we mailed a personal check to them to their  XXXX   XXXX   by their direction, it appears that personal check would not be processed in a timely manner.    I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.
Consumer complaint received 2018-10-22
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. (GA)

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX   XXXX )
Consumer complaint received 2018-10-22
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. (NV)

" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-07-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint regarding several items in my account that, upon checking, have been unverified and have been placed under my name without my knowledge. Particularly, the bankruptcy charges, several inquiries and some chargeoff/collection that i saw. It is already affecting me so much. I wrote the bureau last month but i have not seen enough changes to convince me that they are doing something to correct my issues.
Consumer complaint received 2017-06-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (GA)

I started working with XXXX XXXX in late XX/XX/XXXXwhile I was XXXX. At the time he was working at XXXX XXXX and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXXXX/XX/XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX  county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XX/XX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left XXXX XXXX in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX XXXX program so he 'd given my loan to XXXX XXXX at XXXX XXXX! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. The said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XX/XX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!
Consumer complaint received 2018-10-22
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. (NV)

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-03-22
Product: Credit 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. (CA)

On XX/XX/XXXX, I was pick-pocketed in XXXX, XXXX. My wallet with XXXX credit cards ( XXXX, Chase ), a debit card ( XXXX XXXX XXXX ), and my ID and XXXX card were all stolen. It was our last night there ; we were flying home early the next morning. Within XXXX minutes, when I realized what had happened, I locked my credit and debit cards using the Chase, XXXX and XXXX XXXX XXXX  apps on my phone, and I requested new cards. Almost immediately, within XXXX minutes after the theft, I received a text from XXXX XXXX XXXX stating they'd declined a transaction. Around the same time, I received an email from Chase, stating they had declined a transaction. We flew home on XX/XX/XXXX. I received a XXXX email from Chase on XX/XX/XXXX stating they'd declined another attempted purchase. I kept checking my online accounts, and followed up if/when I saw fraudulent activity. I called Chase on/around XX/XX/XXXX or XX/XX/XXXX because I saw a charge of {$1500.00} at an XXXX XXXX in XXXX. The Chase person I spoke with apologized when I told her I'd locked the card on XX/XX/XXXX on my mobile app and had already placed an order for a new card. I thought the matter was done. Then, 3 days ago I received a letter from Chase stating I was responsible for the fraudulent {$1500.00} charge because " You gave authorization to the user involved in this transaction. '' This is a complete lie. I called and spoke with a Chase Fraud supervisor on XX/XX/XXXX. She basically accused ME of lying and of making the purchase, even after I repeated the entire chain of events to her. She said she would " re-open '' the investigation, after spending about XXXX minutes interrogating me. Shocked and dissatisfied, the next day, on XX/XX/XXXX, I called Chase 's customer service dept. and spoke to a supervisor, again explaining the story. This person was more sympathetic, however, she told me the supervisor I spoke with on XX/XX/XXXX wrote that the case was closed BECAUSE I COULDN'T PROVE I HADN'T MADE THE PURCHASE. The implication was that I would have to provide witnesses who confirmed I WAS NOT at the store the night of XX/XX/XXXX! My husband then asked if we could speak with someone even more senior at Chase. We were then connected with Chase 's executive office. We repeated our story ( my husband was with me when the theft occurred ), and this Chase rep gave us a case number and phone number to call. We're waiting to hear from the person who's been assigned our " case, '' and am still seeking resolution. I am completely shocked by this experience ; at XXXX years of age, I've never had my credibility or honesty disputed in this way. I'd like to warn all Chase Sapphire customers to beware of what can happen if they are the victims of crime related to their Chase cards. ( By the way, XXXX XXXX XXXX and XXXX both treated my case XXXX degrees differently. )
Consumer complaint received 2022-07-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/2022 On XX/XX/2022 I sent an investigation to the credit bureaus ( tracking numbers : XXXX, XXXX, XXXX ) to check every piece of information that complies with FCRA. They did not do a proper investigation in accordance 15 U.S.C 1681 section 603 ( 3 ) ( E ).

I am contacting you the second time because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. In accordance to 15 U.S.C 1681 s-2 ( A ) ( 1 ) these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and scoring. 


Account name : XXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report. 

Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

My account was settled in full upon termination of the service. The term they are saying they signed me up for is false and inaccurate. I paid my full term of my contract and once it was completed I terminated the service and went with a different service. They continue to say they signed me up for a longer period of time but only AFTER I tried to disconnect the service. My account was fully satisfied and now they are hurting my credit for no reason. I need this removed from my credit.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I attempted to get a home equity loan and the following information prevented that. XXXX XXXX   XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. There are Five ( 5 ) accounts listed on their report, all medical bills. I advised that I did not use hospitals or doctors. I requested XXXX, under Section 609 ( a ) ( 1 ) ( A ), physical verification of the original signed certified contract between myself and the and the companies. I did not receive verification, only a letter stating that I know that it is me. Several of the accounts had the exact same amount for services. They continue to add new accounts without verifying that is me.
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: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00}
Consumer complaint received 2019-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I have had a HELOC with Chase since XX/XX/2006. I have paid in time every single month. I borrowed {$50000.00}. Today I owe {$44000.00}. 
I noticed today while reviewing the Details of my loan that they are CHARGING {$550.00} in INTEREST monthly while my payment on the loan is {$420.00}!!!!!! How can this be legal??? How can it ever get paid off?? I have perfect credit, my fico is an XXXX, and I pay all my bills on time. This is NOT a loan that me or ANY consumer should receive. This must be unlawful and illegal. There is no way to repay. This is not compliant. I need a proper loan agreement that is reasonable. 
Chase needs to correct this issue immediately.
Consumer complaint received 2018-10-22
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. (CA)

Please remove this account from my credit report XXXX  BK XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Consumer complaint received 2023-03-18
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. (OR)

In accordance with Fair Credit Reporting act this creditor has violated my rights under 15.USC. 16.81 section 602 states I have the right to privacy.

15 USC 16.81 section 604a section 2, states an credit agency can not furnish account information without my written instructions.

15 USC 1666b states that a creditor may not on an open credit card account treat a payment under an open consumer plan as late for any purpose.