davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (FL)

I had multiple identity theft incidents against me with my discover card. People who were supposed to be helping me in home were using my credit card without me knowing on multiple occasions. When I addressed the situation with discover they informed me I was not liable for the chargers due to identity theft, then they applied all the charges ( some double ) onto my account and now Im paying for it when I was not the one responsible - I still had access to my card and had no knowledge that these people were using my card or hacked my XXXX XXXX until I called to make a payment and realized my balance was ridiculously high. My new card was part of my XXXX XXXX, to which was stolen by these people who I had informed discover if there information - the fraud began at the middle-end of XXXX, I do not have an exact date. This has caused a significant problem with my credit score/ report - discover claimed they would remove all chargers that I was not liable for at all. I had informed them of all the charges that were mine inbetween the times my card was being used - I obviously had no knowledge of the other charges, had I known my card was being used I would have fixed the issue faster. They continue to post an outstanding balance that Im not liable for - Im continuing to pay them and have not been late. I requested they remove these charges and still they are showing. I know which charges in responsible for and have no problem paying my way, but it is unfair and discriminating to say Im responsible for something I know I didnt do and charges I know I didnt make. I need my credit report updated without the charges in my discover account & my discover account to be put back into good standing without issues and the credit company going based off their own agenda. It is unfair and emotionally stressful dealing with fraud and other identity theft incidences, this account and company has caused me significant mental stress and anxiety. I am XXXX and need help with this issue and resolving this account. Putting it back in positive standing, and the charges I disputed to be removed. These people who have stolen from me, on multiple accounts, are professionals, they stole my social, ID, cell phone & lots of personal files and property. I need this resolved as soon as possible, Im having problems with my credit report and score because of this and its causing me tremendous stress and problems financially within my life.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020 and XX/XX/XXXX.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase reported the final mortgage payment from a new refinance company was delivered one day late ( XX/XX/XXXX ). I have attempted to resolve this multiple times directly with Chase XXXX XXXX since XXXX. Chase has continued be deceptive and uncooperative I recently consulted with the XXXX XXXX XXXXe XXXX XXXX XXXX for documentation which it turns out Chase had in their procession but did not acknowledge. 

The documentation I received from XXXX XXXX was provided by myself to Chase XXXX XXXX on XX/XX/XXXX. Chase XXXX XXXX number XXXX XXXX. XXXX XXXX and XXXX XXXX of Chase were assigned to respond but phone calls confirm they will not correct the error. 

Documentation attached is as follows : Attachment A - Chase Home Mortgage Instructions to Loan Depot stating pay-off to be received by XX/XX/XXXX and would be considered " on time. '' Attachment B - Loan Depot correspondence delivering the payment to Chase Home Mortgage as a disbursement on or before XXXX  XX/XX/XXXX. XXXX XXXX confirmation that the refinancing was closed on XX/XX/XXXX. Chase simply did not process the payment into their records until the following XXXX XX/XX/XXXX continues to punish the consumer by including internal processing time in their credit reporting automated systems. This violates FCRA regulations and ignores actual written documentary evidence provided. 

Chase was in procession of this documentation during previous complaints including the following CFPB Cases XXXX, XXXX, XXXX, XXXX, XXXX but hid or ignored the information and continues to refuse to correct the record. See Attachment C summary. 

Further, during my last attempt to ask Chase XXXX XXXX to resolve this mistake, an apparent retaliation was purposely or inadvertently done by Chase. Another later report against this account, closed over 5 years prior in XXXX filed with the credit bureaus by Chase, likely in response to CFPB report XXXX I filed on XX/XX/XXXX. Reference Attachment D. This error was corrected but Chase did not acknowledge its responsibility as requested.
Consumer complaint received 2021-11-17
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. (OH)

After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} and DEPT. OF EDU/XXXX XXXX XXXX XXXX XXXX and XXXX reported closed {$0.00} balance on XXXX XXXX and is only reporting these accounts on TransUnion Report, XXXX is reporting Unfound Data. I have tried to obtain my XXXX credit report that has a freeze I did not authorize. XXXX is reporting a balance of {$66000.00} a current payment status and TransUnion is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE THIS ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against Trans Union, XXXX, and XXXX.
Consumer complaint received 2020-02-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I saw an email from capitol one asking me to confirm a recent purchase so I called them. I had multiple charges. 2 on XX/XX/XXXX for XXXX XXXX XXXX XXXX for {$260.00} another at the same place for {$170.00} and one cash advance for {$300.00} listed as merchant XXXX. They reversed the chargers then they decided because my card has a chip it couldn't be considered fraud and put the charges back. I have the only card and do not shop at XXXX nor would i ever use a cash advance on a high interest credit card. I went back and fourth with customer service, their fraud department for hours and they just kept repeating the same thing about the chip. I've filed a police report and they still will not remove these charges. Oh and I never received my new card bu apparently they send it out already activated and link it to old accounts you no longer use.
Consumer complaint received 2022-03-25
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-10-11
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. (AR)

Trans Union has willingly and knowingly reported false information to my consumer report. check out 15 USC 1681 ( a ) ( 1 ), the banking system is dependant upon MY CONSUMER REPORT being FAIR and ACURATE. 15 USC 1681 ( a ) ( 2 ), TRANS UNION IS A POWERLESS ELABORATE MECHANISM. 15 USC 1681 ( a ) ( 3 ) for assuming your so called role and 15 USC 1681a ( d ) ( iii ) Due to I XXXX XXXX a natural born flesh and blood woman I did not GIVE your corporation CONSENT to FURNISH ANYTHING on my CONSUMER report. I filled a complaint through the cfpb on XX/XX/2022 The corporation responded and asked that I provide the alleged debt accounts I've complained about. 
I have yet to receive the XXXX proof from this XXXX XXXX that the alleged debt is accurate.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2019-06-19
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: Experian Information Solutions Inc. (FL)

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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 2017-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (NY)

Today, I received an income execution from the  XXXX   County Sheriffs  Department dated  XXXX / XXXX / XXXX , indicating that my wages are going to be garnished for an original debt amount of :  XXXX   due to Chase Manhattan b ank with an original judgement date of :  XXXX / XXXX / XXXX .  <P/> It also added an additional {$5600.00} for interest, {$620.00} for  XXXX , {$40 .00} 1rst stage and $ {$30.00} for 2nd stage, fo r a total due of : {$13000.00} payable to  XXXX   XXXX   XXXX   XXXX .   Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago!   In addition, the interest on this debt seems exorbitant and unjustified.   This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Association Financial Services, LLC (FL)

I received a letter from an attorney advising I currently owe {$310000.00} to XXXX XXXX XXXX. The amount of the ledger changes with every ledger we receive with threats about accruing interest at the highest rate possible. I have disputed this amount and even provided proof that I do not owe this. I provided the ledger from XXXX XXXX XXXX that show all of my payments made timely and have paid all of my fees and assessments. The XXXX association has told me I owe them no money and they have no idea where these charges are coming from or why I am being charged by this collection agency. I continue to be harassed and have received numerous threatening letters regarding this debt that is not mine. I have XXXX pages of documents including certified letters provided to the collection agency and attorney documenting how this debt is not accurate and I do NOT owe this money. I have sent many certified letters and have not received one response to any of my letters to the collection agency as well as the attorney working on behalf of the collection agency. 
I am XXXX years old and have always paid my feed, dues and assessments. These threatening letters have brought undue stress upon that I can not afford to go through health wise. I have had to go to visit my doctor because these letters have made me ill. I worry that they will continue to harass me and make my health worse.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OH)

In 2018 my mortgage was sold to roundpoint mortgage from XXXX I recieved a letter saying my first payment to the new company starts in XX/XX/2018 so thats what I did in XX/XX/2018 I started paying online. A few months later I get a letter from roundpoint saying im behind so I call and they pull up my account and they seen all the payments they then said Im good and they dont know why I got the letter. I kept making online payments and I kept getting calls saying no payment was recieved so I called again they then tell me Ditch has not released any payments and that all my payments was paying the back amount I then had to send them a year of bank statements proving I was never behind with XXXX they then tell me my account is under review and to keep making my payments so thats what ive been doing. Now they are saying Im over XXXX behind on payments but when I call they pull it up and see all the payments. From day one ive had issues with roundpoint they cant seem to get anything right Ive looked on the XXXX  site and there is XXXX of complaints about the same thing please tell me what I should do so I dont lose my house.
Consumer complaint received 2021-11-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have filed multiple disputes asking method of verification and I only receive an letter back stating that it was verified. How is it being verified and the information that the company have on file does not match up to me. They are violation my rights and is against the law.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX a collection from XXXX XXXX/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year Experian and XXXX XXXX started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but Experian will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. Experian is the only credit report showing this unknown debt and each month reports it as a past-due payment.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.
Consumer complaint received 2022-10-11
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. (PA)

XXXX allowed me to make a payment arrangement with them to pay my account. And get caught up from being behind due to Covid-19. I asked how this would impact my credit report. And I was told multiple times not to worry about the credit reporting. Because XXXX was giving me an accommodation. And that under the FCRA any loan modification to your original loan terms was an accommodation. And could not be reported as anything other than current.
Consumer complaint received 2021-08-24
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: Nationwide Recovery Systems, Ltd (FL)

I am filing this complaint because these companies have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (MI)

I sent them a debt dispute letter. Aaking them to validate the account. They sent me a letter stating that if I feel I have been a victim of identity theft to fill out a form with them. I wrote them back certified mail and tild them that was not the case and that they should have read my letter. I waited the allotted time for them to respond and they have not. 
I have tried to upload all supporting documents but it will not allow me. Please contact me for the documents.