davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I submitted a disput to equifax stating there were errors in the two bankruptcy entries I have on file. I responded to the courthouse and they gave me the correct dates which were reported wrong by equifax. I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate. I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX, but then the same inaccurate information reappeared on XX/XX/XXXX. No proper investigation in my opinion was done and they should delete.
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (FL)

Online predatory lending. 299.99 % APR for cash advances. {$400.00} credit limit. Also, this company ( XXXX XXXX XXXX d/b/a XXXX XXXX XXXX ) does not have a license to offer lines of credit in my state of residence ( Florida ).
Consumer complaint received 2022-07-09
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPL Recovery Solutions (CA)

JPL Recovery Solutions Date : XXXX Approximate time : XXXX XXXX   XXXX  JPL called my employer and had me paged whole I was working. Caller asked for my date birth and asked if I worked for my company. Said they were garnishing my wages - I have to ask who was calling and in what regard ; they did not identify themselves until I asked. I told them I was at work and could not accept personal calls on a company line. He continued to ask how I would like to pay. I explained several times that I could not discuss at work and offered another number to call after my shift. He continued to threaten wage garnishment and further action even thought I continued to explain I was at work and could not discuss. 

This call was overheard by several colleagues in an open setting, including supervisory staff and has potentially put me at risk of disciplinary action or job loss. It was on a recorded line used for company training and quality purposes. I explained it was on a recorded line and put me at risk and he continued to pursue his badgering/collection activity. 

He trained that they were already contacting my employer for wage garnishment ( nothing has been received that I was being served a judgement ), he did not identify who he was with until asked and implied they were legal representation or attorneys trying to collect a debt for XXXX XXXX. 

This drew excessive attention from the floor and conversation was overheard by several individuals I work for/with. I was even approached about it being from a debt collector.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Ikea Projekt card through Comenity Bank / Bread Financial. Have been trying to make a payment for two weeks, but each time get a message saying " We're experiencing technical difficulties '' tried to use the online help, but it goes no where.
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I graduated college in XX/XX/2009 with roughly {$130000.00} dollars in student load debt -- some are private and some are federal loans. Since 2009, I have been paying over {$900.00} a month towards my loans, never been late or defaulted. I am actually on the automatic withdrawal plan where the amounts are direct deposited from my bank account. If you figure this up, I've paid over {$90000.00} towards my loans but yet when I look at my principles today, I owe more than I did when I graduated! 

I consolidated my loans back when I graduated and it appears each month, so little is going to each loan that I'm not even putting a dent in the overall principle of any of my loans. I've tried to discuss this with the lenders ( XXXX AND NAVIENT ) but they offer no help. It appears to me they have my loan amounts set up in a way that is most favorable to them to where I WILL NEVER get my loans paid off. 

There is a reason why our generation is struggling financially and this is a great example. THIS SHOULD BE AGAINST the law as both companies XXXX and Navient, are gaining big time off the way my loans are structured. I have not been late on a single payment, have paid over {$90000.00} dollars in repayment, but still my principle exceeds my beginning balance. I have a wife and a young son, and I'm just thankful I have a job that enables me the opportunity to pay this debt, on that is without a doubt set up in a way that benefits the lenders. Any help to restructure my loans in a way that is more beneficial to my overall well being and financial situation would be much appreciated.
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (SD)

I purchased a vacuum from an inhome sales person. I got the loan from this company in 2017 for XXXX . Within the 1st month the vacuum broke and I attempted to return it but they refused to let me. The have since been charging me interest and refusing to close out the account. They sent me an email today stating that they would take 0.95 % of my balance which was currently at XXXX $ to settle out the account which would equal about XXXX XXXX When I called them an hour after i received the email, they said my account was XXXX $ and they would only accept 95 %. There is a vast difference in that and the agent assigned to my account refused to put anyone else on the phone. I don't understand how they can do this as they lied to me.
Consumer complaint received 2022-07-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2018-08-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It may concern, I XXXX and XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 3 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating me like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission for Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call my own mortgage servicer now.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX
Consumer complaint received 2018-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I have contacted this company so many times. They are not listening. The FTC is investigating. Why would I give them information when I am afraid they will do something with the information I provide. 

You can't ask for my drivers license when I am disputing it. California law. 

They keep giving me there resume without even hearing me. I can not take out a loan. I filed bankruptcy not to long ago and I am a veteran so there is no way I would be approved for a loan. LISTEN TO ME. 

Unless your company is shady which I believe it is. There would be no way I can take out a loan.
Consumer complaint received 2023-01-08
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. (MO)

The XXXX XXXX XXXX, Trans Union has continually reported inaccurate credit information in my credit file and violating the Fair Credit Reporting Act ( FCRA ). I had disputed the credit accounts more than XXXX times with all three major credit bureaus, this included the online credit accounts, and by numerous of phone-to-phone conversations regarding the credit inaccuracies. I had even provided online bankruptcy documents to aid in correcting the information in my credit file as well.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2018-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

I have been trying to set up twice monthly payments with Freedom mortgage for 6 weeks. Ive tried online 6 times ( weekly ). Ive called three times. They take my info and say its set up and then call the other person on the loan ( not me ) 3-5 business days later stating it didnt work. I review my routing and account number every time ( 3-4 times ) and its the same issue each time. I can not set up more frequent than monthly payments on the phone and can not set up any payments online. Ive been given 3 different stories from 3 different reps. We tried to refinance also and they ran our credit scores and stated our {$130000.00} annual income ( up {$40000.00} from when we initially purchased ) is insufficient for a refinance and we need to keep paying PMI. When our loan is {$25000.00} less than our original loan. This company is a sham. I get a million different excuses/ and they made me pay one month in advance for the semi monthly which they seemed to have absolutely no problem setting up, but cant take the money that is due.
Consumer complaint received 2022-07-09
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. (WA)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (WA)

According to my credit reports, Online Collections is claiming that I owe a bill to XXXX XXXX for {$860.00} which is not correct as I have never had an account with XXXX XXXX. I did live with someone whom had an account, but I never gave XXXX XXXX the authorization to add me as a financially responsible party as I paid my rent to another ( which included all utilities ). I also know the person who was financially responsible had filed bankruptcy so I see this as XXXX XXXX & Online Collections attempting to illegally bypass a XXXX debt by trying to go after someone whom was not responsible for the bill.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was fraud wire transaction on my BOA account of $ XXXX on XX/XX/XXXX. BOA denied my claim and I have faxed new evidence at the beginning of XXXX, however, they are sitting on my case and never reviewed my case. I am requesting BOA to review my case asap and return my money. Attached is the fax content.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

Hello, I am requesting that Chase 1 ). remove all credit marks from my account and update all three credit bureaus and 2 )  remove all late charges accrued on the account and 3 ) make an exception and grant me an extension for my XXXX or XXXX payment to assist me with getting my loan back on track. Here 's why : My loan payments have been running slightly behind due to being laid off of work at various times during the year. As a result my account has accrued late charges. When I call into Chase to discuss my account and make payment arrangements I am always advised of the total amount due which include late charges. On multiple occasions, the most recent being XX/XX/XXXX my wife and I called in to discuss the account. We were advised of the total amount due for two months including late charges. On this occasion and on the previous call we asked what was the total car payment due. On both occasions the representative told us an amount that included late charges. Because I was laid off I could not afford to pay the late charges and this is why we specifically asked for the amount due for the car payment. It was then that I realized that the representatives had been quoting me the total due including late charges. This is an issue for me because my payments have gone over 30 days late multiple times. One month the car payment due was approximately {$50.00}. Had I known that I would have been able to make the car payment before it went over 30 days past due. This also happened another time. I feel that Chase is misinforming me and being sly in their collection efforts. They are miscommunicating information to me and being sly in their collection efforts. As a result my payments have gone later than they should have. I am requesting that they remove all credit marks from my account. Also due to the inconvenience I would like them to waive late charges from my account. On XX/XX/XXXX or XX/XX/XXXX I spoke with supervisor XXXX XXXX and explained how his representatives had improperly informed me on multiple occasions. I explained that I could have paid the partial car payments that were due to prevent the account from going over 30 days and marking my credit. He said if I were making the payments on time per the contract I wouldnt have to rely on his representatives giving me information. He also said that the credit marks were my own fault and that because I broke my arrangement to pay my account went delinquent. My wife and I talked to him at length and he did nothing but attack us. As a result of this experience I expect Chase to compensate me and forgive all late charges on the account.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/2018, XX/XX/2018 and XX/XX/2018 I requested that Transworld please verify the debt they said I owe. I sent letters through certified mail on XXXX separate occasions and they were unable to validate or verify the debt they say I owe. I requested that these items be removed from my credit with XXXX and XXXX and they still have not done so. Please see attached supporting documentation.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I applied for the Chase Sapphire Preferred credit card with the promotional offer of XXXX bonus points after spending {$4000.00} in three months with the annual fee waived for the first year. I was charged the annual fee less than a month after opening the card, after 8-10 conversation with Chase they claim I'm not eligible for the annual fee to be waived, but show no proof of the offer they claim I accepted.
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

XXXX Called Navient in regards to an extremely high and rising interest rate. I wanted to know why this rate is so high and what they can do to lower the rate. I have been paying off the loan consistently. I understand the interest rate is variable, but at XXXX   % and rising, how can they realistically expect me to pay this loan off? The principal amount isn't being paid down only the interest. This is stealing, and is an unreasonable rate.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

The company has received a notice of debt collection for a debt that is not ours. 
The notice of collection is from Professional Bureau of Collections of Maryland , Inc . 
There is creditor listed : The XXXX XXXX The account balance is {$1000.00} No other information is provided.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LendUp Loans LLC (MO)

On XX/XX/2018 I sent a letter to Flurish Inc dba XXXX disputing a negative account I found on my credit report. This letter was signed for on XX/XX/2018. I never received any correspondence from Flurish Inc regarding my dispute and my report was not marked disputed within the 30 day time line. On XX/XX/2018 I sent a second letter to Flurish Inc disputing the negative item on my credit report. I never received any correspondence from Flurish Inc but they did mark my reports as disputed-resolved consumer disagrees. On XX/XX/2018 I sent out a third and final letter to Flurish Inc asking for proof that this account on my report was actually mine. I still have not received any information from this company. Under the current law Flurish Inc should have marked my reports disputed within 30 days of my complaint and they did not. Nor have they attempted to prove this debt is mine.