davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

I had an account with XXXX that was opened by my daughter in my name ... when i found out about the account i had her cancel it ... i later collected all the equipment involved and they told me that the account had a XXXX balance ... but it had since gone to collections and i have yet to get the collection people to get with XXXX to show that i have a XXXX balance ... and i keep getting this disputes and removed for a while qnd then after awhile it shows right back up.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

On XX/XX/XXXX I placed a security freeze on my credit report due to some suspicious activity that I had seen on my credit report. I received my confirmation from Lexis Nexis confirming the freeze was in place. In XX/XX/XXXX I noticed some public records appearing on my credit and activity again on my credit report. I reached out the Bankruptcy court in regards to what information is released to the credit bureaus, and received a letter from The United State Bankruptcy court on XX/XX/XXXX confirming that the Bankruptcy Court does not report information to any credit bureaus. I disputed the public record ( Bankruptcy ) with the three credit bureaus but received a response saying valid due to the response from LexisNexis. I am filing a complaint due to inaccurate information being reported by NexisLexis for many reasons. With the freeze on my account, information was still being provided to third parties, and NexisLexis reported on my credit report bankruptcy information which is inaccurate and the Bankruptcy court confirmed this information as well is not and was not provided to the credit bureaus including Nexis Lexis.
Consumer complaint received 2018-11-06
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: Navient Solutions, LLC. (NY)

I have a loan I didn't take out from XXXX XXXX XXXX. Please put a fraud alert on this account, my FAFSA stated someone took out a loan of {$550.00} please delete that from your database or investigate. I never authorized that school for anything. I never went there at all.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Clark County Collection Service (UT)

I sent a certified letter on XX/XX/2018 to Clark County Collections for verification of this debt that is on my credit report. It has been over 30 days and I have received ZERO communications back from this company. Per section ( 609 ) of  the Fair Credit Reporting Act I should have received validation and verification of this account within 30 days of my written request. Since this account was not verified or validated to be mine I would like this account to be deleted and removed from my credit report.
Consumer complaint received 2018-11-06
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. (MD)

My dispute is with Chase Card Services Original Claim # XXXX New claim # XXXX I have been trying to get rid of a double charge from XXXX XXXX in the amount of {$990.00}. 

XX/XX/XXXX Statement TOTAL= 2 charges and 1 credit for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge and 1 credit for {$990.00} XX/XX/XXXX Statement XX/XX/2018 I was charged a late fee once for {$25.00} for not paying the disputed DOUBLE charge. Please remove the fee. 

GRAND TOTAL= 4 charges and 2 credits THERE SHOULD BE 3 CREDITS. I SHOULD NOT HAVE TO PAY {$990.00} BECAUSE I ALREADY DID. 

This is ridiculous. I received a service. I paid for it. I paid my credit card bill. And I keep getting charged again and keep disputing again.
Consumer complaint received 2018-11-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I have been attempting to modify my mortgage for over a year. Freedom mortgage was unwilling to assist me. I reached out to a third party, XXXX, and opened a case with them. For over a month we have been working to modify my mortgage. I started to receive notices from multiple attorney 's offices stating that my home was going to be foreclosed on. I reached out to XXXX for guidance and they stated that my home was up for sale on XX/XX/XXXX, and that Freedom Mortgage was reviewing my case and paperwork. A few weeks ago I started receiving mailings about a XX/XX/XXXX Auction with XXXX County Court. I reached out to XXXX again, they stated after speaking with Freedom Mortgage that they were still reviewing my case and the sale date was still XX/XX/XXXX. I still, at this point had no correspondence from Freedom Mortgage. I reached out to a Bankruptcy attorney to clarify my status and they confirmed the XX/XX/XXXX auction. Had I not filed Bankruptcy THIS AFTERNOON, I would have lost my home. The sale date that Freedom Mortgage was giving, was a week later than the actual sale. 
Freedom Mortgage Loan No. XXXX XXXX XXXX ID XXXX Case Manager XXXX XXXX ph.XXXX xXXXX
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX there was a fraudulent charge of {$9200.00} on my XXXX credit card with Bank of America. I immediately contacted the bank to report the fraud on XX/XX/XXXX. On XX/XX/XXXX, contacted local police, filed a report with the Federal Trade Commission and put a fraud alert out for XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a letter from Bank of America stating that my claim was resolved and that the fraudulent charge would be credited, and the charge was credited. On XX/XX/XXXX, I was charged {$9200.00} by Bank of America, reversing the credit. There was no communication from Bank of America about the reversal of the credit. I called the bank 's claims department on XX/XX/XXXX, but the bank employee was unable to tell me why the credit was reversed and was unable to undo the reversal. He stated that I will need to contact the claims department. 

I am being led around by Bank of America for a fraudulent charge that should have been taken cared of on the day it happened.
Consumer complaint received 2018-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (CT)

Subject : Complaint Hi we have an auto loan with Chase Auto Finance. I would like to file a complaint. When my husband became ill and out of work we began missing payments. We contacted them and there was little they could do. We sent payments as we could. I got enough saved up to pay the balance that was due per my XXXX statement due in XXXX. It's was roughly {$2100.00}. There was no indication on the bill no phone call no notice of repossession. They came on XX/XX/XXXX and reposssed with no notice at all. As of today we still have not received any communication and have no idea what's going on. I tried calling to say this is a misunderstanding etc and they were not sypathetuc and said oh well our only options are to pay the total loan balance of XXXX within 15 days plus storage fees etc. I feel like we were not treated right nor was anything communicated to us. There is no way we can come up with that money in 15 days so will likely just let the car go. The car was a lemon so I am not too distraught about it although it will kill our credit. I just would like some answers because of the way this was handled. If they had called I would have paid the balance but was waiting for the XXXX due date. Thanks so much XXXX
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan
Consumer complaint received 2021-04-13
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. (NV)

Transunion is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, XXXX is also reporting data that is false
Consumer complaint received 2018-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off 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 via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Consumer complaint received 2018-11-05
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: SYNCHRONY FINANCIAL (GA)

I have noticed an unauthorized hard inquiry on my report from Syncb National Credit Cards/Airlines and I have contacted the number several times, each time they direct me to either XXXX XXXX or XXXX. This did not show up on XXXX.

I am running in circles trying to figure out how to get this removed. When I called Syncb they claimed that they don't have any information on me, and that they don't own the account and it's an known error with XXXX XXXX so I have no idea why this is on my report. When I call XXXX they tell me to contact the creditor.
Consumer complaint received 2019-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have disputed this debt multiple times and have not been getting the correct information I have asked for. The dispute started with XXXX and XXXX and this company has said they are reporting correctly to the credit bureau 's when in fact they are not reporting correctly at all. I have not received an actual validation of debt, only a bill saying that I owe the debt. This company needs to send me the correct information that I am asking for and not just a bill, or needs to be removed from my credit report for incorrectly reporting. They have sent me a letter stating they have spoken with the original holder of the debt and have looked at their notes, but they still do not report to the bureau 's correctly. Because of this it needs to be removed from my credit report.
Consumer complaint received 2019-08-31
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. (MO)

I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both Equifax and XXXX during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both Equifax and XXXX for failure to block this harmful information from my credit files and failing to comply with the law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any resolution.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IL)

Hi my Name is XXXX XXXX Old National Merged with First Midwest Bank today I when to the Bank because they never sent my Debt Card out also there an illegal transaction on my account. when I arrived at the bank the wait was 2 hours at my old First Midwest on XXXX and XXXX  who did not have access to my bank account so the nice lady issued my a debt card but she could not set the pin she did not access to this function, so she informed to us my debt card has a credit card I could not do this has well even the card said unauthorized user I tried their phone line has a busy signal I just called while I'm typing this complaint still a busy signal. I have not access to my account or my money I had to miss my VA ( Veterans Administration ) Appointment because I could not buy gas for my car because of this thing I needed for today I repeat I do not have access to my account or money my bank can not access my account ether
Consumer complaint received 2018-11-05
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: EQUIFAX, INC. (CA)

LAST YEAR I HAVE PULLED MY EQUIFAX CREDIT REPORT WHERE AN OLD ACCOUNT WAS SHOWING FROM XXXX WHICH HAD A NOTE WHICH SAID THIS ACCOUNT WILL BE REMOV ED FROM HYOUR REPORT IN XX/XX/XXXX. THE FIRST DELINQUENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXX. AFTER THAT THERE WAS MY PAYMENT EVER MADE ON THIS ACCOUNT AND IT WAS CHARGED OFF. IN XX/XX/XXXX EQUIFAX REMOVED THAT NOTE FROM MY ACCOUNT AND THEY DID NOT REMOVE THIS ACCOUNT FROM MY REPORT. 
THE SAME INFORMATION WAS REPORTING IN MY XXXX AND XXXX XXXX BUREAU WHICH THEY AUTOMATICALLY DELETED IN XX/XX/XXXX. BY CREDIT REPORTING ACT THEY HAVE NO RIGHT TO KEEP THIS ACCOUNT ON MY RECORD FOR MORE THAN 7 YEARS FROM THE FIRST DELINQUENT MONTH.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-03-30
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: EQUIFAX, INC. (MA)

The statute of limitations on collections is 5yrs in NY . I confirmed with a credit law firm that if you move to a different state the statute remains with the state where the debt occurred. 
Equifax has not only argued this but made it evident they can change rules at their discretion. 
I am requesting the CFPB investigate and force Equifax to follow the statute of limitations provided.
Consumer complaint received 2019-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Awhile back I got a letter from select portfolio service. I looked at the payoff and was told I would have to come up with XXXX for the principal to pay off house. This didn't make any sense since I borrowed XXXX in XX/XX/XXXX and kept the payments up until XX/XX/XXXX. So I asked for a loan modification with XXXX XXXX XXXX. In XX/XX/XXXX I was given a loan modification. Then my loan servicer was dropped and I had a new servicer select portfolio select. They kept jerking me around for months and like 50 letters from SPS until I got them to take care of this and let me make a payment. So I started my payments and got print out of my loan balances. That letter stated I could pay the loan off with XXXX. So I called and said my payoff with XXXX was XXXX. So why do I owe more after 13 years of payments. They can't explain why I owe so much. I realize my year of missed payments was put on the end of the loan .I had planned on refinancing and getting rid of this SPS servicer. I can never get a straight answer or the same answer and after I call I get a letter explaining they are there for me. I had one time I called and was told not to look at the principal amount because it was wrong and needed figured out. If it wasn't for my wife and kids I would just walk away. Who says mortgage holders want the money and not the house. I feel they want the house
Consumer complaint received 2019-08-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

I found the same debiting of my TD Bank. Checking account. They paid on an item XXXX XXXX XXXX for {$1.00}. There are a lot more. The bank said they could not do anything. 16 + I haven't finished going through the statements I have.
Consumer complaint received 2022-07-11
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: CURO Intermediate Holdings (TX)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A 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 PURP [ OSED.
Consumer complaint received 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (IN)

As of XXXX I was told I was not able to get my monthly payments lowered & would have to start making Payments toward my loan of {$160.00} or more. Until I begin school in XXXX I would have not been able to defer my payment if I was not taking another course. I am a single mother of XXXX living in my home and I am not able to make those payments.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (NY)

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus Equifax, XXXX and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.