davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I first report on XX/XX/2019 XXXX # XXXX. I asked for a Master promissory Note Proving the Loans that they had under my name for there company. The CFPB dismissed my complaint because XXXX/Navient sent a Promissory Note that had nothing to do with the Loans they Claim they have on file for me. 

I have Attached to THIS complaint is the Promissory Note that XXXX/Navient attached with my first complaint ( # XXXX ). I have also attached what XXXX/Navient reporting to the creditors. 

Why are the Original Grantors not the same? Isnt the information suppose to match? 

I also asked my private loan carrier for A Master Promissory Note and I was shocked to find out that they have the same Promissory Note for my private loans that XXXX/Navient have for Federal loans for different schools. 

How is that possible? 

XXXX has told me on multiple occasions and by multiple employees when I have asked XXXX/Navient who my Original Grantor is ; there answer has changed atleast Twice, and now that I see that there reporting that XXXX is the Original Grantor. That's the third misinformation about this loan that they have given not just to me but multiple other companies. 

I have asked an employee and one of XXXX/Navient Managers for contact information to there legal Department. I was told that XXXX/Navient does not have a legal department. 

How do they handle lawsuits without a legal department? 

All conversations were recorded, I have had problems attaching them in the past, but if an email is provided I can submit those recordings Promptly. 

I hope someone really looks into this!!
Consumer complaint received 2022-10-06
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. (TX)

I am notifying XXXX XXXX that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These are inquiries I do not recall on my transunion credit report. Transunion has not provided me with any documentation providing proof that I applied for these creditors. 
They are violating my rights under the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate credit report.
Consumer complaint received 2024-03-06
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. (TX)

In XXXX of XXXX  I noticed that on my credit report for transunion it was showing my real estate mortgage account with XXXX  XXXX XXXX as closed. I informed the credit bureau that the account was open and current. I also asked XXXX XXXX XXXX to send in a correct report.When I made my request my credit score at transunion was XXXX. When XXXX XXXX XXXX turned in their info, my score dropped to XXXXWhen I inquired at the credit bureau as to why the score had dropped so low in just XXXX weeks. i was told that XXXX  XXXX XXXX had turned in the account as open and current. I was told that they had not however, turned in a payment history.I was told that the agency would request a payment history from XXXX  XXXX XXXX and that this would probably increase the score.I was also told that their was a Idifferent social security number on the account, other than mine. I was told that they would investigate and get back with me in a few days, but they did not. I was sent a copy of my credit report.That ia all that they have done.The supervisor that I talked to in XXXX was very rude and dismissive of my problem. He was male and I can't remember his name. I talked to a very polite lady a few weeks later and she said she would look into the situation and call me back. But she did not. My credit advisor, ,scoresense, told me that when there is a XXXX XXXX point difference in one credit reporting agency to another, there is something drastically wrong and a mistake has taken place. I put my credit reports side to side in XX/XX/2024, and they bascically have the same identical information.my XXXX score is XXXX. My Experian score is XXXX.My transunion sore dropped XXXX more points in XXXX month, although they have the same basic info as the other XXXXcredit bureaus.XXXX unesplicably has dropped my score to XXXX. There is now a XXXX point difference in the transunion score as opposed to the other XXXX bureaus. T is something terribly wrong and they are not trying to fix it. Please investigate this egregious erro0r by transunion. It is having a devastating effect on my ability to obtain credit
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXXXXXX  QUALIFIED WRITTEN REQUEST, AGAIN XXXX In your response dated XX/XX/XXXXXXXX  you claim you reported my XXXX and XXXX payments late because you had purchased insurance so those payments were diverted and NOT applied my mortgage as per my aggrement with you from XXXX. 
You are fully aware that you Chase purchased insurance and on XX/XX/XXXX according to the Account Information you provided posted ( {$2200.00} ) page 11. 
Now after numerous letters, requests, QWR you refuse to correct those late payments you posted for XXXX and XX/XX/XXXX. 
You are fully aware that you violated the law by not doing any investigation. If you had you would have realized you Chase erroneously posted ( {$2200.00} ) on XX/XX/XXXX as I have filed many complaints through CFPB. 

BUT YOU CONTINUE TO IGNORE YOUR RESPONSIBILITY TO CORRECT THE ERRONEOUSLY POSTED ( {$2200.00} ) In addition the refund check you sent me in XXXX  for {$2200.00} to reimburse me for you error was taken by XXXX and I was denied the monies intended for me. 
Again you pretend your not aware of any errors continuing to violate the law. 
THIS IS A DEMAND TO REVERSE THE POSTING OF LATE PAYMENTS FOR XXXX AND XX/XX/XXXX. 
In addition I want you to admit the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments debited from my checking account for {$840.00} was received by your mortgage department. 
Detail in depth if you Chase instructed at any time in XXXX  to date to XXXX XXXX XXXX  or XXXX XXXX or any other servicer that you Chase did not receive {$840.00} on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I'm requesting an IN DEPTH EXPLAINATIN FROM YOU CHASE Admit the following statement is false : We have researched your XXXX  On XX/XX/XXXX, and XX/XX/XXXX, we sent you letters requesting proof of insurance coverage for your property. We didnt receive the requested information, so we purchased a homeowners insurance policy for you on XX/XX/XXXX. For your convenience, we are enclosing a copy of the letters. You were issued an insurance refund after we received proof of insurance. Our research has confirmed that you had a lapse in coverage from XX/XX/XXXX, Otherwise send the documentation that you have in your possession showing there was a lapse of coverage commencing on XXXX XXXX Late payments Chase why did you refund {$210.00} on XX/XX/XXXX Is it true that you once again erroneously charged XXXX for 5 late payments then once again realized your erroneous posting and tried to correct your continued erroneous postings. 
Isn't it true that you Chase by continued errors falsely claimed you did not receive mortgage payments for XXXX XXXX and XX/XX/XXXX?
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am notifying XXXX XXXX that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CNG FINANCIAL CORPORATION (CA)

I periodically review my credit report and axcess-financial/check n go appeared on my report. I previously requested a validation of debt but didn't get it until I filed a complaint with the XXXX regarding the matter and requested a validation of the debt. The company alleges I took out a payday XX/XX/XXXX in the amount of XXXX and paid XXXX before it went into default and was charged off XX/XX/XXXX, then sold to XXXX XXXX XXXX XX/XX/XXXX. Some areas of the documents are not initialed or signed, some of the amounts are incorrect or missing and I attempted to go to the location on the document to speak with someone in person because I don't recall this debt but there isn't a check-n-go business present. I received a notice in the document stating " This letter is an attempt to collect the debt described above '' but the letter itself states " Check 'n Go is not a collection agency or a debt collector ''. 

It shows in the installment Summary displays an ACH Return XX/XX/XXXX ( 2 years after the alleged debt was written off ), Past Due and Open. 2 years later XXXX was added 9x with an additional XXXX totaling XXXX.
Consumer complaint received 2024-03-06
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. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX 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 2023-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Account XXXX is still showing on my credit even when this company has already proven that the information they have is not my information so this is NOT my account but they still have not deleted it from my credit, and it was obvious this company do not have my birthdate, nor my Social Security Number so the account they are claiming to be mine isn't mine, but they continue to leave this on my credit.
Consumer complaint received 2023-03-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (TX)

Ive received phone calls from a third party stating they are a location officer and that I need to contact XXXX. 

I called the company and was read a document stating they would be filing a lawsuit and they have nothing to do with location services. The company never disclosed they are a debt collector nor did they state theyre attempting to collect a debt. The company also never stated their full identity only called it national. 

I tried to speaking with both location services and national but was never given any information outside of we filing in XXXX XXXX. 

I asked on XX/XX/28 to receive a letter validating this and was denied stating I would receive that in a legal summon through the county.
Consumer complaint received 2022-12-15
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. (CA)

XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act 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 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

From what I understand, FCRA 605B requires the deletion of any incorrect accounts from my credit report. Could you please take a look at the documents? There seem to be inaccuracies in some of the listed accounts, and it's causing me some discomfort.
Consumer complaint received 2022-07-27
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. (TX)

On XX/XX/2022 i noticed there was a fraudulent collections on my credit report from XXXX XXXX XXXX XXXX. 

On XX/XX/2022 i noticed a fraudulent collections on my report from XXXX. 

Ive never done any business with ether company.
Consumer complaint received 2019-07-17
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)

XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize
Consumer complaint received 2019-07-17
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)

XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize
Consumer complaint received 2023-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I issued two Real Time Payment transfers on XX/XX/21 from my HSBC savings account to a XXXX account, for {$1500.00} and {$2000.00}. The receipient claims the money never made it to them since their account does not accept RTP transfers and my bank says the recipient accepted the transfers and they need to honor it. I've talked and try to escalate the situation on both ends and keep getting the exact same reply. 
Given that HSBC is my bank, I've asked them for an official document that shows that the RTP transfer was successful and that XXXX accepted it, but they don't give me anything. I've raised two investigations and one recall request and they never update me, so I need to keep chasing them for ambiguous updates. It's been almost a month and a half and I'm in the exact same spot I was when I transfered the money.
Consumer complaint received 2021-02-18
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. (VA)

I have been dealing with inaccurate information on my credit since XX/XX/XXXX. To this date XX/XX/XXXX there still remains inaccurate items on my report. I have attempted to resolve this issue but to no avail. I have done research with the FCRA and these companies seem not to take the law into concern. I feel like Im being taken advantage of, I have enclosed a copy of my most recent letter.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc ()

My Buisness Account got suspended 3 months ago for no reason ( " violating the AUP '' ), freezing a balance of about XXXX. 
They claim it will be hold for 180 days and probably deduct some. 
XXXX from any review I've read on the matter, I have no reason to believe PayPal will ever give me back my funds and or my account, without legal help. 

PayPal never bothered to ever send a notification nor did they provide an explanation of why they did so. I never even had the chance to defend myself or try to prove my innocence. 
Every time I try to confront them they just dodge the case, replying with automated messages and sending me from one agent to the next. 

I've been on PayPal for 10 years, and neither I've ever acted against it's rules nor is my buisness Illigal
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CO)

In early XXXX I received in the mail a Chase Freedom Unlimited credit card in my name indicating my card was ready for activation. Problem is I never applied for said card and immediately had my suspicions that it had been fraudulently applied for. I never activated it and have kept it in my possession until I learned more about why it was sent to me. 

Today I called the Chase Customer Service number ( XXXX ) to find out what was going on. ( I got this number from one of frequent emails I have received from Chase in the past week or so. ) After being bounced around on automated phone mail, I finally spoke to an agent who wanted to know my password (! ) and my mother 's maiden name (! ) so she could access my account. I explained I did NOT have an account and never applied for one. She passed me on to a supervisor who again asked for private information I was not willing to share. She passed me on to a third person who explained that someone else may have applied for the card in my name and that they possessed enough of my personal information for Chase to issue the card. He said he would cancel the card and inform the proper credit authorities. That's where things stand at present. 

I thought I should report this experience to someone to find out if this is a current scam going around and to warn others about what I had experienced.
Consumer complaint received 2019-02-15
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. (MD)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

Purchased a {$300.00} gift card for a family member the week of XX/XX/2023 at a XXXX in Utah. Family member attempted to use the card at XXXX XX/XX/2023, the card was stolen and already used the same day about an hour before the use at XXXX, a fraudster used the card in NY for {$300.00}. The family member and I began the dispute process, which has been a complete nightmare. Faxing the documents they asked for, then having the case closed for no reason. We are now having a bi-weekly calls with this company to get nowhere or have any action taken. They continue to give us another hoop to jump through to send documentation because they did not get the fax or that the docs that were sent are not correct. They have asked my family member to send in PII!! This is a fraud and they should never ask for an ID or birth certificate. We are now sending a XXXX  to have proof that they received it, which they continue to lie that they never received the XXXX. We are now on week four of this nightmare. Today XX/XX/2023 we are told they received my XXXX  but need the XXXX receipt to have proof that we even purchased the gift card, even though it has already been provided. This company does not care of the monetary harm it causes consumers and rather help their fraudsters out get the money from the gift card. Today, we are involving our credit union disputes department to help us with the merchant charge back since we have enough proof we have attempted to resolve this with the merchant. 
Website - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

We took out a home equity loan with XXXX XXXX  we had a legal agreement in writing and were making payments of {$150.00} per month that were automatically taken out of my checking account every month a company called planet lending bought the loan and filed a foreclosure against my home. 
The original loan amount was {$30000.00} planet lending is demanding {$90000.00} or the home will be sold at auction. 
Our first mortgage with XXXXXXXX XXXX  is current.