davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (NJ)

WRONG INFORMATION REPORTING ON EXPERIAN THAT NEEDS REMOVALS OF ALL ITEMS BELOW. 

XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX  XX/XX/2022 EXPERIAN XXXX BANK XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full. 

The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification. 

The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).
Consumer complaint received 2019-01-20
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from Chase Bank on my XXXX  Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, Chase Bank responded to that complaint advising that they sent information to XXXX  to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. XXXX  has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to XXXX  to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per XXXX, they don't have anything from you supporting this.
Consumer complaint received 2017-06-28
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. (CA)

On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to XXXX , Letter to Equifax Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from XXXX : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe XXXX/XXXX are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
Consumer complaint received 2022-09-01
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. (IL)

I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX  when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent XXXX : XXXX and XXXX transunion : XXXX and XXXX XXXX  : XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

My apple account was hacked by scammers posing as XXXX XXXX with the phone # XXXX telling me I had charges on my credit card that I did not make. They had me on a XXXX  call sign in to my apple account. From there they changed my apple ID and phone number then opened a ApplePay account. I did not have any cards in the apple wallet. When I contacted Apple Support just a couple of hours after the incident when I was unable to get into my account they told me what I had to do to cancel my account and wipe my phone. However they still allowed the scammer to open a new apple pay card. Apple said I might be the scammer!

Apple Pay XXXX opened an account in my name and Apple sent me a bill for XXXX in XXXX. Apple pay opened a fraud investigation and told me I am not responsible..

Someone contacted XXXXXXXX XXXX XXXX XXXX posing as me and told them I lost my card which I did not. XXXX I learned my XXXXXXXX XXXX XXXX had been canceled and a new one issued and mailed to the address XXXX XXXX XXXX XXXX XXXX, Fl XXXX. No charges had been made so they cancelled the card.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I have sent I C System 3 letters and I have not received any letter verifying the debt. The first letter I sent was on XX/XX/2022 requesting validation of the debt. The second letter was on XX/XX/2022 requesting additional information on the account. The last letter I sent them was on XX/XX/2022 warning them I will file a dispute with you guys. I also have not received any written document informing me of my rights to dispute.
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is not my debt, it is apparently the debt of a former employee. I should not have received 51 calls on an office phone between XX/XX/22 and XX/XX/22. 
These calls originate from : Capital One ( XXXX ) XXXX and XXXX ( Apparently XXXX XXXX, at Capital One ) This is a community college chemistry lab, and I do not care, AT ALL, that a former employee owes them money.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I have a conventional mortgage with Pennymac Loan Services. My mortgage balance had fallen below 78 % more than 3 months ago but I am still being required to pay the PMI. 

Loan origination date : XX/XX/XXXX Original LTV : 81.8 % Current LTV : XXXX The estimated scheduled date to reach 78 % is XX/XX/XXXX Current on payments ( never late ) I made some extra payments to my principal after a call with the mortgage company on XX/XX/XXXX after they told me that payment will terminate the PMI, which it did not. 

I contacted the company 's Escrow department today and was told that according to the closing disclosure 's projected payment section, I will need to pay PMI for three years in total. The 78 % or originally scheduled date for 78 % LTV will not terminate my PMI.

One option I was given was to pay a one-time fee of {$100.00} to perform an appraisal to check if I qualify for PMI deletion. They mentioned that appraisal will cost between $ XXXX $ XXXX.
Consumer complaint received 2017-06-28
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. (IL)

On XX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. Trans Union Corp., No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with Trans Union and XXXX.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (OH)

In XX/XX/XXXX I took a credit card with US bank, US Bank XXXX XXXX SIgnature Card, at the XXXX OH XXXX USA branch for two reasons : 1. Although I have been a customer of US Bank for 14 years I was told I would be charged a monthly maintenance fee that could be avoided if I had a credit card with US Bank 2. That I could make a balance transfer from another credit card that would remain interest free for 12 months from the time of issue and as long as I made a minimum payment I would not be charged interest. 
When I spoke to the manager of US Bank XXXX OH branch whom issued me the card I was told that if I made purchases as long as I paid these off I would not be charged interest. 
I took the card with a balance transfer of approximately $ XXXX. 
Every month I purchased small amounts, of approximately XXXX or XXXX dollars and paid back a sum that was well in excess of this to ensure I was paying back for these purchases and also paying off the balance transfer. 

On XX/XX/XXXX I started seeing interest charges on this account that continued every month ( XX/XX/XXXX : {$13.00}, XX/XX/XXXX : {$9.00}, XX/XX/XXXX {$7.00} ). I then called the helpline for the card at approximately XXXX XXXX  on XXXX to find out why I was being charged these amounts despite the fact that I was paying pack way in excess of the purchases- {$100.00} on XXXX, {$250.00} on XXXX, {$250.00} on XXXX, {$600.00} on XXXX, {$150.00} on XXXX, {$1000.00} on XXXX - ( so that I could also pay back the balance transfer amount ) and it was many months before the interest-free period on the balance transfer expired. After speaking to an agent I was put in touch with her supervisor " XXXX '' who said that as per my agreement a portion of the paid amount would go to pay back purchases and a portion would go back to pay back the balance transfer. 
When I took the card I was never told this and was told that as long as I paid the amount needed to cover any new purchases there would not be an interest charged. 
I would also suggest that to any reasonable person it would seem quite obvious and fair that if a customer pays off a credit card it should be either made clear how much will go to pay for recent purchases and how much would go to the balance transfer and how much he or she would need to pay to avoid interest. None of these were revealed when paying off the card through the online website.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

Subject : Cease Unauthorized Credit Reporting Immediately Reference to California FCRA Identity Theft Fraud Laws Dear Discover Bank, I am writing to address a serious breach concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity theft fraud laws in the state of California. 

It has come to my attention that Discover Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law, specifically relating to identity theft and fraud, underscores the necessity of consumer consent for credit reporting and the severe penalties for unauthorized access and misuse of personal information. 

I assert that I have not provided consent for Discover Bank to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that Discover Bank immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and relevant California laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes in California. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and California state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Consumer complaint received 2019-01-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (VA)

I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. 

They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account. 
He began to get rude and nasty and threaten to sue and to make me pay. 
Because he would not give any validating information as to what state and account information, I feel this person was lying. 
The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC. 

I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.
Consumer complaint received 2018-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

Good Day.

My name is XXXX XXXX XXXX Late last year my loan with Loancare ( # XXXX  ) was overcharged for taxes but I was able to contact my county auditor 's office to have the payment sent back to loancare. Around XX/XX/XXXX I received an email from loancare that an escrow review had been done and my mortgage was going to go from {$550.00} to {$820.00} because they had to pay out extra for taxes. I called loancare on XX/XX/XXXXand was informed that all I had to do was to go to the auditors office and get the paperwork stating that I had a XXXX balance for my taxes and once they received it they would send a message to have a subsequent analysis done. I got the paperwork submitted to them on theXX/XX/XXXX and called back to make sure they received it, they did receive it and told me to call back in 5 days and it would be corrected.

After 7 days I called back and it still hadn't been corrected and was told to give them another 5 days, which I didn't agree with but there wasn't anything I could do so I agreed. I then called back on the XX/XX/XXXX because it still wasn't done and my mortgage is due on the XXXX of each month. I was told it still wasn't complete and I had to wait, I didn't accept it this time and asked to speak to a supervisor. I was able to speak to a XXXX XXXX  ( XXXX   ) XXXX who informed me that she was going to personally send an email to the escrow department and not to pay my mortgage and she would make sure that it would be complete by the XX/XX/XXXXand as such she take any late charges that occur off. She also told me that it would be finished by the XXXX. I called back on the XXXX to her direct number and left a message, I didn't get a response. I have been calling everyday since then and still haven't received a response.

I just called again this morning, XX/XX/XXXX and now I am being told that they are waiting to update a tax line. I keep getting the run around and I am so frustrated. They also have a direct number, which is ( XXXX   ) XXXX and my loan # is XXXX, again, my name is XXXX XXXX
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The Collection agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to Experian, XXXX, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. Experian stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. XXXX  stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. 

I would like for this account to removed from both my Experian and XXXX  reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.