davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CO)

Hello I lost my job and couldn't pay my credit cards three months all this happened during the coronavirus period i went through a hard time I paid all my debt to chase bank
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2016-05-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (NC)

I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do not.
Consumer complaint received 2022-09-09
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: AES/PHEAA (CA)

I have disputed all 14 derogatory marks on my credit report to Fed Loan and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our Credit Reporting Systems.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

Recently, I discovered fraudulent charges that would be part of the identity theft problem. Given that fraudulent charges should be checked and that the credit agency should be inquired, it is important to be able to look for unusual data. However, there is a problem with Equifax that disallows a person to view the data and look for suspicious activity. In other words, Equifax is the problem and is not helpful.
Consumer complaint received 2022-05-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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 2020-12-21
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2019-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (FL)

I was advised by my attorney to make a complaint. 

I am physically XXXX with a XXXX XXXX XXXX and Im bound to my XXXX. I was awarded a vehicle loan by santander consumer USA, and I chose a XXXX XXXX from XXXX in XX/XX/XXXX. The way the loan was structured I would be paying 200 % of the vehicles value and after multiple failed attempts and no help from the staff or reps at the company I was forced to file for bankruptcy in XX/XX/XXXX. I even called to see if there were any payment options due to my situation being XXXX and me not having a steady income and having medical issues, such as my XXXX breaking down or no assistance ( no nurse ) the company still refused to assist me in any way. Lastly I acquired 2 loan companies who were willing to refinance and take over the loan near a 3 % APR and Santander still refused. The companies offering the new rate were upfront with me and wondered how did I even get the loan because I had no drivers license. The gentlemen suggested I need to look into it and advised me I may have been targeted just to access may income. After great assistance from the law firm that assisted in filing my chapter XXXX bankruptcy due to Santanders ' unfair practices I am picking up the pieces of my financial ruin. Im not completely blaming them however because of their greed and very confusing XXXX financing terms I was put in a position to fold ( for lack of a better word ). The file attached is a financial payment history document I sent to my attorney after Santander reps advised they would no longer work with me and they will deal with my attorney if need be.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I purchased an item on XXXX XXXX. I sent my payment through XXXX in the amount of {$300.00}. The recipient is XXXX. 

The next day, I realized that it was a scam since the shipping number was not working and the seller is no longer responsive - I never received the item until now. I reported this incident to the Federal Trade Commission, and to my bank, Wells Fargo and asked if they could stop or reverse the transfer. I also asked if they could contact XXXX 's bank to report his fraudulent activity ( ies ). 

I received a letter from my bank today and they are saying that since I authorized the transaction I am not eligible for a claim.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was forced out of my company due to a permanent XXXX. They were not able to accommodate my physical condition and I was let go after 26 years as I still need XXXX more XXXX and I have no more time I can use to get those done let alone that I most likely will not meet physical weight lifting requirements with the recommended back fusion and second XXXX XXXX. 

I asked XXXX if there was a way to do a loan modification to our mortgage since my income was significantly reduced and the Customer Service representative advised us to go late on our payments so we can work the modification process which we did. They denied our first request and I submitted for a second request with updated information which was also denied. They want us to liquidate our home and we want to stay and keep our home. Now they want us to make up the late payments and although I was able to pay the oldest balance ( I did this twice in good faith ), we are not able to bring the account current. We were just asking for a modification to help lower our interest rate and payment. Every little bit helps with our budget. They won't even help with a forbearance which was given to other customers during Covid. We tried to keep our payments current during Covid but I had XXXX XXXX with XXXX stints of XXXX, which was delayed by Covid, and they won't accommodate us with that either saying that the investors are no longer offering that assistance. My disappointment here is that I tried in good faith to work a process with a legitimate issue and they won't help us. We are stuck trying to bring the account current when they advised us to go late in the first place. I tried my best to be proactive and provide them the needed documents and responded right away each time they asked for more information. A friend who is a mortgage broker suggested I submit a complaint to you regarding my experience. I'm hopeful for a positive resolution but I've heard of millions of people across this country were getting assistance but I'm not able to get any help.
Consumer complaint received 2020-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL SYSTEM, Original Creditor XXXX XXXX, Original Balance {$660.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Disputed with CRA 's ( XXXX, XXXX, XXXX XXXX ), Comments Optional comments or notes appended to the account by the company holding the account, or by the credit bureau. 
Account information disputed by consumer
Consumer complaint received 2020-12-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$12000.00}, {$6600.00}, {$6500.00}, {$9100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2019-09-19
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. (FL)

I RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$12000.00}, {$6600.00}, {$6500.00}, {$9100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK ()

Ive tried numerous times to settle this debt which is due to identity theft and I also reach out to DISCOVER to inform them about this fraudulent account that was open up without my permission or consent by a friend of mines that were living with me at the time when this account was open BACK in XXXX so at this point Ive tried to reach a common ground with this company Nobody has taken this into consideration again this is not my account I never open an account with DISCOVER a and I had no knowledge of this account at all I will not keep repeating myself I will be taking other steps and at this point I WILL BE FILLING A LAWSUIT ON THIS COMPANY YOU WILL HEAR FROM MY LAWYER SOON
Consumer complaint received 2019-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AZ)

FALLOW UP TO COMPLAINT # XXXX. IT IS NOW XXXX AND I HAVE NOT RECEIVED A REFUND FROM THE MONEY SOURCE ( TMS ). I RECEIVED A PHONE CALL FROM TMS TELLING ME THEY HAD RECEIVED MY PREVIOUS COMPLAINT AND HAD ALL THE INFO TO MAKE A REFUND AND I WILL CALL YOU BACK TO DAY AND CONFIRM. LIES!! WE WILL OVERNIGHT MY REFUND. LIES!! LIES!! LIES!!. THAT BEING THE # 3 LIE!! THE CHECK IS COMING SOON. IT'S ALMOST TIME TO MAKE A NEW PAYMENT. WHAT TO DO!!!!!!!!!!! I'M XXXX AND XXXX   ON A FIXED INCOME.
Consumer complaint received 2020-12-20
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. (SC)

EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/year> on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-05-13
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. (VA)

In Accordance 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-19
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: ENCORE CAPITAL GROUP INC. (OK)

They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at Midland Credit XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my credit.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.