davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (SC)

I purchased my home with veterans home loan XXXX XXXX at 6.7 % for XXXX. XXXX XXXX and XXXX XXXX XXXX handed it over to Seterus formerly known as XXXX XXXX. I began having trouble keeping up and went through the forebearance process. My last timely payment was at some time in XXXX. I requested a modification in XXXX. It was granted and I was paying on time XXXX at 6.7 %. XXXX months later Seterus Mortgage increased my monthly payments to XXXX per month. I could not afford to continue payments. Since XXXX XXXX I have been trying to get a modification loan at a lower rate.
Consumer complaint received 2023-06-08
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. (FL)

Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also XXXX inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX FXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX AXXXX As you can see- they have it on there twice. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (KY)

On XX/XX/2022 I received inquiries letter from XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (ID)

My bank Simple was purchased by BBVA which was purchased by PNC. I struggled to get them to close the account, but eventually gave up and just transferred my funds out instead. Now they're charging a card associated with a bank that was closed over two years ago and charging me predatory overdraft fees that I never consented to because my money was transferred to them without me ever agreeing to their terms of service. They are even threatening to send me to collections even though this whole mess was caused by their refusal to close my account.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-25
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. (OH)

On XXXX XXXX I sent in letters regarding inaccurate reporting false items on my credit report and I have not received a response yet. I feel like I'm being ignored on my disputes. This deceptive practice by the bureaus.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

There was a dispute of a {$96.00} with XXXX company which I disputed with XXXX  and they decided in my favor showing the bill paid and account closed at my request. I started receiving correspondence from XXXX XXXX XXXX wanting payment and I sent a letter with copies of the XXXX decision and requested they not correspond with me further on XXXX. I tried to use my XXXX card today and it is being blocked along with any other card I have with XXXX. I feel this is retaliation as all other accounts are in good standing and there is no reason to block their use.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act. Child support # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (DE)

Marcus Goldman Sachs state they paid an account ending XXXX XXXX XXXXI have no such account number. I spoke to XXXX I have only XXXX account which was paid by Goldman Sachs for {$640.00}. 
XXXX states they need a document from Goldman Sachs that states the full account number, date it was sent and that it cleared. Goldman Sachs is giving me the run around. Stating they dont have the full account number that it was sent on the XXXX of XXXX. They are not doing anything about this and now I am paying XXXX that was used to pay off account that isnt mine. I am struggling as it is. Unfair practices!
Consumer complaint received 2017-09-05
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (NH)

While enrolled as a Student with XXXX XXXX I was told that in order to maintain my enrollment I needed to take out private loans due to not having enough federal funding available. This has resulted in high private student loans that are piling up and forcing me to have next to no money to live even though I make almost XXXX XXXX a year. Now XXXX each has closed and ran with all the money they received
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CT)

In XX/XX/2021, I paid the mortgage as usual. They had changed the payment amount due to escrow issues and it was {$140.00} less than what supposed to be paid. I kept paying the mortgage all these months in the correct amount but got more behind because they kept accessing fees I was unaware of. No one ever called and did not get emails stated the mortgage was delinquent. I'm getting more behind because fees every month which I think is unfair due to XXXX payment that was shy {$140.00}. The XXXX late fees are usery.
Consumer complaint received 2022-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I made a payment to Mr Cooper online on XX/XX/2022 for XX/XX/XXXX due date. I was told there was an error on the mortgage company side where my mortgage payment was applied to late fees and not the monthly payment. I have spoken to them on several occasions including the executive resolution department and was told they are sorry and will fix the issue and as of today XX/XX/2022 they still havent I was also told since the mistake was their fault I would not pay late fees for XXXX or XXXX and my account would be updated to reflect the payment date as of XX/XX/XXXX. I paid XXXX in which they applied it as the XXXX payment they charged me {$910.00} in interest for being late even though they received it XXXX XXXX weeks early. I was told again this would be fixed and they will credit my account twice by the executive resolution department I received letters from them several times saying the issue is resolved and it would take 24 hours to reflect on my account which it never happens. The last time they reversed the payment they did it for the XXXX payment and applied it back to my account and this issue wasnt even that month it was the payment for XX/XX/XXXX which I made on XX/XX/XXXX. All the resolution department does is give me a case number tell me they reversed the late fees and the payment will be applied to my account the late fees and the {$910.00} interest that was taken out of my XXXX payment would be removed and credited to my account. I emailed XXXX XXXX who was the last person I spoke to in executive resolution department after I received the notice on XX/XX/XXXX that the process was completed and my account would be adjusted within 24 hours to let him know my account still was not adjusted. I asked him to call me but as of yet no calls and he hasnt replied to my email. All they do is open the case give you a case number send you a notice saying it was fixed then close the case and nothing is ever done so I have to call again and the process starts all over. I am getting countless phone calls and text for payment for a payment they have and wont apply. I was also told they would credit my account fees that I paid for processing my monthly mortgage fees which was done over several years and still have yet to have that credited to my account all of which I have proof of.I havent been sleeping and the stress of all this in intense
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (GA)

I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing Experian has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (UT)

so I closed my explorer card and tried to move my whole credit limit over to my quest card when I did the transfer my card only had a XXXX balance on it my credit limit was XXXX and chase only moved over XXXX of the limit and not the full XXXX they kept calling it a balance transfer request it was not my account was pretty much paid and they didn't move any balances over they are holding XXXX on my other card for no reason at all it makes no sense if the account is closed with a XXXX why are they keep XXXX of my limit hostage it make no sense at all I am losing out on a XXXX limit with no fault of my own the account is closed and I charge anything on it it make no sense that XXXX is being from me I want XXXX limit moved over to my quest asap and the lady in the cooperate offices I transferred was worthless researched for a whole week and then came back and said there is nothing we cab do what was she doing for a whole this makes no sense and I want my XXXX limit back this corperate lady had no idea what she is doing what so ever
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I DONT RECOGNIZE THESE ACCOUNTS 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 I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated no.39 of the contract which states any changes in this lease must be in writing and signed by you and Assignee. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully haXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account removed from my credit report. 

On XX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at 9pm!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates has 3 accounts listed on my credit report that have not been verified. Also Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I have attached proof. I would like the 3 accounts with Portfolio Associates to be removed from my XXXX, XXXX and XXXX report.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, Experian, & XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : 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 These employers do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

Sent first certified letter XX/XX/XXXX explanation of a formal dispute requesting inaccurate information on my credit report showing that I was late 30 days or more late on my car payments in XX/XX/XXXX, XX/XX/XXXX. West lake financial received first certified letter on XX/XX/XXXX, they failed to provide me  with any requesting documentation that I was late on my payments, however after 30 days time frame nor did they acknowledge my dispute my placing a remark on my credit report in disputing this matter. 
I again, followed up with the second certified letter 31 days after sending the first letter, and yet again they failed to acknowledge any of my correspondence about this late payments, requesting documentation. I patiently waited until the 30 day expiration date and they failed to acknowledge my certified letters once again. 

Third attempt, was also unsuccessful.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

This is simply unbelievable. Chase is servicing my home loan and I'm completely blocked out at this time from making any payment including additional payment to principal I'm being charged interest on my loan while I'm being blocked out of the account. Chase needs to be fined for this and scrutinized more closely by the CFPB
Consumer complaint received 2023-06-13
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. (IN)

Equifax has refused to verify account status on the account with XXXX XXXX from XX/XX/- XX/XX/XXXX. The accounts was first 30 days past due in XX/XX/ and therefore is too old to be on my credit report. Equifax has not obtained payment status before XX/XX/ on this account from XXXX and therefore that information has not been verified. This item MUST be removed under the laws of the FCRA. Failure to obtain the account payment status for XXXX on this account will be a direct violation of the FCRA and will subject Equifax to fines and litigation
Consumer complaint received 2022-05-04
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. (KY)

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-04
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. (KY)

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.