davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (NJ)

1.Home Point Financial continues with their deceptive acts and practices. I was given an offer for trial payments which I accepted within the time frame. A few days later, offer was taken back ( page 1 & 2 ). The deceptive acts continues as my kids continue to suffer. 

2. Home Point Financial have violated the Fair Debt Collection Practices Law as well as the Bankruptcy Laws. 

I filed for bankruptcy on XX/XX/XXXX ( page 3 ). Home Point is well aware of that ( page 4 ). Home point Financial is a debt collector ( page 5 ). I understand that Home Point Financial has the right to take a payment from me but they have no right to ask or harass me for a payment under the Fair Debt Collection Practices Law and the Bankruptcy Laws. Please see page 6, letter from Home Point dated XX/XX/XXXX that reads as follows : ''please send certified fund totaling {$2800.00} to Home Point .... .NSF fee ... .credit report. '' The goal of Home Point Financial remain obvious ; I loose my home and they make a nice profit. No one will rent me a place to stay with my kids, therefore, after the auction sale of my home, I will find a shelter to stay with my kids as I continue to search for justice in the court of law. Home Point have not addressed any of my previous concerns. When I have my day in court, Home Point Financial will finally be held accountable for all the laws they have broken.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

The public record reported Had som inaccuracies and the credit bureau Equifax will not remove the information tried to dispute the information tried to dispute in XX/XX/2018 online with Equifax
Consumer complaint received 2019-02-12
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. (FL)

Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my XXXX  credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} First Premiere - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX/XXXX  - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

Equifax is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows 30,60,90+ days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (NJ)

I am on my XXXX and trying to establish credit so I can eventually get a home for my family. Unfortunately I just started to learn about collections and negative remarks effect. 
I have two medical bills from XXXX XXXX that went into collection via a company of XXXX XXXX XXXX. I have not received much information from it and now I see a balance of {$1000.00} and {$65.00}. I am currently facing some financial hardships and this negative remark is adding a toll. I really need some reconsideration to get ahead some how.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit Report. I Had Rented An Apartment, I Think In XX/XX/2014 At XXXX XXXX Of XXXX. I Paid My First Months Rent & Deposit, Shortly In Two Weeks I Was Unable To XXXX  For One Month Due To XXXX XXXX XXXX XXXX XXXX XXXX. I Had To XXXX  For Month Without Working & Had No Money. I Explained To The Apt Manager My Condition. I Immediately Had To Sell Everything I Owned and Move Out. I Was Issued A Bill For {$1400.00}. This Bill Isnt Even Close To What My Rent Bill Was. Please Erase My Name and Debt Off Of My Credit. I Have Been Homeless Since That Day! 

Thank You
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/2023, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX XXXX XXXX XXXX, INQUIRY DATES : XX/XX/2023. I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows XXXX days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
Consumer complaint received 2019-02-12
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)

Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my Experian credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} XXXX XXXX - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute several accounts on my credit report, which I believe to be the result of fraudulent activity. These inaccuracies are severely damaging my creditworthiness and causing me significant distress. XXXX XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

As per my knowledge I am overpaying my loan al I took the loan was to dorm at the university for 2 years I see loans that I never applied for and I am over paying for it I took two loans and I am paying for 7 different loan
Consumer complaint received 2022-08-18
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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. (FL)

Equifax and XXXX have put XXXX credit back on my credit file the court judgment was final in XXXXThey attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my credit score to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my report??
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I was traveling in XXXX during the month of XX/XX/2018. While I was traveling, my Chase XXXX XXXX  Visa was charged a fraudulent amount of {$350.00} at XXXX XXXX XXXX XXXX. On the night of XX/XX/XXXX, I used my card at the restaurant of XXXX XXXX XXXX XXXX for an amount of {$52.00}. ( The Chase representative  said that these restaurant charges were under a real estate transaction, not for food and beverages like they actually were, which was very strange ). On XX/XX/XXXX, the very next day, my card was charged {$350.00}. This charge, I did not authorize. Chase is saying that I am liable because I was staying in the area. The hotel used my card on a chip reader and that is their reasoning for as to why I am responsible for the transaction. The fact of the matter is, I was not present during this transaction nor did I give anyone access to my credit card. I even requested camera footage which was not an option. I asked Chase why my signature and ID ( my card says see ID ) was not requested for this transaction. They replied that they do not require these items for a valid transaction. I asked them why am I not protected by my own credit card company when it comes to fraudulent charges? They did not have a valid response. Needless to say, I cancelled my account as they refused to help me with this process. I've never had a problem with my credit card being used without my consent before this and I would not wish it upon anyone. It's quite unfair that I should be held responsible for this payment when I was not the one responsible for the transaction.
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

The company Fair collection & outsourcing has been trying to collect on a debt for an apartment that I paid to the apartment complex, I have sent several letter to Fair collection & outsourcing asking them to send me documentation showing that I owe the debt and if they are licensed to collect in my state. I looked them up on the website in they are not licensed to collect. They have failed to comply with what I was asking. They did not update my credit report showing in dispute.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

This is now the 2nd time dealing with XXXX Store Card and the same payment allocation issues. 

The XXXX Store Card has promotional financing which offers 0 % interest for 6 months if paid in full within 6 months on purchases over XXXX . I made several purchases less that {$150.00} which are non promotional and subject to interest. On the XXXX Store card payment site, a user can select to have payments allocated to NON-promotional balances first ( option 3 below ). This was also not during a billing period in which a deferred interest promotion expires, so the note in option 3 did not apply. I choose this setting in order to pay off NON-promotional balances first so I will not be charged interest. After reviewing my account, I see that XXXX has allocated my payment to promotional balances and left the NON-promotional balances still applied. This is FRAUD! If I was not vigilant with my account, I would have been charged interest. This is now the 2nd time this has happened and I have had to deal with customer service for hours to try and have my payment allocated correctly. 

1. Standard Allocation : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

2. Allocate Payment to Deferred Interest Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the deferred interest promotional balance before the non-promotional balance.

3. Allocate Payment to Non-Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts XXXX will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I was involved in online romance scam starting XX/XX/XXXX. This guy named XXXX XXXX XXXX ( fake name ), was in XXXX XXXX and needed money to get out. Asked me to send the money with four different account in cash from the date of XX/XX/XXXX to XX/XX/XXXX. I sent cash as he said it is urgent and cash works the best and faster to save his life. After I sent money, this guy kept asking more and more money. Then, I realized I got scammed. I went to the Wells Fargo Bank branch XXXX XXXX and asked to freeze their account as they took my cash under false pretense. I asked them to reverse the money as they are online predators and criminals. But, the bank told me they can not reverse the money without the account holders consent which they are not going to as they are scammers they already got my cash money. At this point, I think Wells Fargo Bank is harboring criminals doing online scamming and money laundering. I have all the evidence and the money transferred receipt. Despite of that, Well Fargo Bank is not willing to reverse the money. Please help. I try to reach out to attorney general of Nevada, police, and FBI, as well as lawyers. But, no one is willing to help.
Consumer complaint received 2019-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. EXPERIAN HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX  WHICH IS ON MY EXPERIAN CREDIT REPORT SINCE XXXX OF XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT EXPERIAN INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX  OVER THE INTERNET IN XXXX OF XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX   DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX  FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.