davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
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. (CA)

XXXX XXXX ... .XXXX credit card ... .Elder financial exploitation On XX/XX/XXXX I was contacted via email by headhunter looking for procurement officers by a company in XXXX XXXX XXXX XXXX XXXX -XXXX XXXX handled by a XXXX XXXX this was an international gift card credit card scam that wasn't revealed to me until XX/XX/XXXX when I became aware that the company was a scam. I immediately connected with the vendors and saved over {$1000.00} of gift cards that were not used. I immediately filed a Sherrifs Department report with XXXX XXXX XXXX through the XXXX , Fl Police Department File # XXXX XXXX I was quite upset and Detective XXXX took my statement. I also filed a IC3 report with the Federal Bureau of Investigation on XX/XX/XXXX. I worked with the fraud department of XXXX XXXX every phone call made I was reaching a new agent I never talked to the same agent twice. I was calling 2 or 3 times a week to try to rectify this matter. I felt as if I was getting no where with them. I was responsible for {$3700.00} which were my charges that I myself was responsible for and paid in full. XXXX XXXX lost the check. This was resolved by me when I paid on line once again. I never heard one word about the lost check. On XX/XX/XXXX agent XXXX XXXX issued me a case # XXXX he stated that I should fax to him the reports and place this case number on each sheet which which I complied with. I have never received any acknowledgement that these docs where received and I could never again reach this agent. Therefore, On XX/XX/XXXX I spoke with XXXX XXXX XXXX another call, another explanation, sent me a link in order to place the files online again using the same case number a above. To Date I have heard nothing. I had no acknowledgement but still received notices from the credit card division charging interest on the unpaid balance and of course ruining my credit score. I called XXXX XXXX again but to no avail. I felt as if I was on a merry go round. I never heard or received anything from the fraud dept but kept on receiving the statements with interest accruing. These phone calls were getting me no where to date I have called over 100 times to this department. I wrote a letter of XXXX XXXX XXXX XXXX, President of XXXX  XXXX, overnight return receipt requested, I never received acknowledgement when I know the letter was in fact delivered. I feel that I have exhausted all means of communication with this company my credit has been ruined when in fact I always maintained a high credit score throughout my lifetime. I am XXXX years women living on social security and pension who just wanted to earn additional income but duped by foreign scam artists. Now that I need a small loan to purchase a car I am being declined because of this continued problem.
Consumer complaint received 2018-04-16
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. (NY)

On XX/XX/2018 I noticed a credit card taken off my credit report. I also noticed that the same card that has been taken off my report without my consent is also reporting to all three credit bureaus but, they removed it without knowledge to why there affecting my credit. I have been paying all my credit and it is still below 550 on report although 1 account would not lower my score to that point of a drastic change. I am also have been compromised with emails, and it seems that someone is using or interfering with my identity for some apparent reason. The past 90 days my credit has been paid timely and the banks state there being told to lower my score based on my credit scores that I believe is being compromised deliberately through this computerized system that is able to do fraud acts to consumers since this breach of identity with the credit bureau who was compromised all my scores are below and my cards are being removed even thorough this would have helped my score it seems someone is affecting my credit score to prevent me from moving forward. I would like an investigation. I have six credit cards and one was taken off without no explanation and no one seems to have any idea to why it was deliberately moved. That would change my scores and all the banks have lowered all my credit cards based on whatever is going on.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}
Consumer complaint received 2018-04-16
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. (NV)

On XX/XX/XXXXI was granted a discharge of my student loans due to a XXXX. At the time of my XXXX  discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX  and XXXX XXXX XXXX XXXX as, well as XXXX. On XX/XX/XXXXit was reported to all three credit Company 's EXPERIAN, XXXX & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment inXX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three EXPERIANXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also Experian/XXXX   transefered to another lender there is only one lender.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

company is continuing to wrongfully verify information on consumer report sepiste numerous requests to validate every account thats reporting. That is my right as a consumer to know exactly what is being used to prove the accuracy on the account. I have tried to handle this account numerous times but I have been left with stall letters and in some cases flat out ignored. These companies are abusing us as consumers and not being held accountable. 

copies of letters and info will be provided
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint about Unauthorized Hard Inquiry left by XXXX Card Inquiry from XX/XX/2019 and XXXX XXXX sent me and copy to TransUnion to remove this Unauthorized Hard Inquiry
Consumer complaint received 2018-04-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Visio Financial Services Inc. (MD)

I was coerced into a hard money loan on my primary home that I had paid off ( I found out this is illegal in the state of Md ), with he idea of getting on track and getting my credit score up. I missed a payment and they would not let me send in a payment. They said that they only debit money from a person 's account. My payments were $ XXXX/month. By the time they were going to make the next deduction it was over {$5000.00}. I was expecting somewhere around {$4500.00}. After that it was stop gap measure here and there trying to stopdelay them foreclosing on my primary home. They sold the loan to another loan company which eventually foreclosed. The sale was held and the primary company I got the loan in the first place bought my home. I have received a eviction notice. This was done by XXXX XXXX agent XXXX XXXX and Title agent XXXX XXXX. I doubt I am the only person they got caught up in this scam. I got an email from him on XX/XX/XXXX about the appraisal, to make sure I told the appraiser that the home was not owner occupied. On XX/XX/XXXX I got an eviction notice taped to my door.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NC)

In late XXXX, XXXX purchased PHH Mortgage, and I received a notification that PHH would be taking over the processing of my mortgage payments. I was advised that no action was required on my part and that electronic payments and processing would continue as normal. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that my mortgage was 2 months past due. I confirmed with my bank that there was disruption in the automatic withdrawals from my bank account. The most recent bi-monthly payments of {$660.00} and {$660.00} were withdrawn from my bank account on XX/XX/XXXX and XX/XX/XXXX, respectively. Another payment is scheduled for processing on XX/XX/XXXX. Again, I was told that I didn t have to do anything when PHH took over my mortgage from XXXX. I logged in to my account on the new site and I did not see anything describing my mortgage payments as past due. 

I contacted the company by emailing them through their website and received a very weak response. 

Here is the response in full : Dear Mr. XXXX, Thank you for using our email service. 

I understand your concern. Our records indicate that you are set up on bi-weekly payments and the account is current and due for XX/XX/XXXX. The loan was still in the transitioning period. The letter was dated XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. Please be advised we are unable to assess any late fees or negative credit reporting until XX/XX/XXXX so your loan is in good standing and everything is up to date. 

If you have any further questions or concerns, please let us know. 


This demonstrates PHH 's inability to accurately serve its customers, which is a similar problem I had with XXXX. In fact, XXXX adjusted the principal balance on my mortgage as part of a class action settlement in XX/XX/XXXX. Unbelievably, they weren't able to handle that adjustment correctly either, as negative adjustments ( i.e. increases ) to  my principal came on to my account status. I was told these were " errors '' ; I submitted a compliant to the CFPB for this matter previously. I reviewed XXXX 's response and, while I am not certain, I think eventually my principal adjustment was fixed. 

XXXX, and now it's subsidiary PHH, have consistently demonstrated a lack of competence when dealing with its customers. They can not even handle the most basic of situations. I have been paying electronically since my mortgage started in XX/XX/XXXX. I have never missed a payment, never switched banks, or anything like that. Yet, first with XXXX and now with PHH, the companies have demonstrated that they do not deserve the public trust and should be sanctioned and financially punished by the CFPB to motivate them to get their acts together.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC (NC)

I purchase this car in XX/XX/XXXX and keep the car until XX/XX/XXXX at which time I did a volunteer repo. The car was sold to me at XXXX and at the present time XXXX still say I owe XXXX in which I paid {$420.00} per month for five year and the car was sold. They will not tell me Im which the car sold for.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery has shared my personal illegally with the scam company XXXX XXXX without notifying me of selling my information. XXXX XXXX has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched XXXX XXXX in my state and they don't even have a collection license. Portfolio Recovery has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to Portfolio Recovery. What kind of racquet are they running? Create a strawman, make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like XXXX XXXX which has a website with no information that could've been made by a XXXX year old. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX, Equifax XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MN)

I am close to paying off my auto loan with Santander Consumer USA. I have been watching my balance decrease until recently. The last few months I have noticed that my loan balance resets when my monthly statement is released. I also see that the maturity date on the loan is continuously extended. It was XX/XX/XXXXand now I'm told its XX/XX/XXXXI have paperless billing and I have been paying my monthly payment regularly. I don't get any assistance when calling Santander. When I call Santander Consumer USA, the CSR simply tells me that their records show no such discrepancy. I believe that my payment records are being deliberately altered and falsified. I recently printed my last five years of payment history and will continue to do print my balance statement until I find resolution. Please help me.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MO)

OnXX/XX/XXXXwhile on a flight with XXXX XXXX a Credit Card from Citi was offered to me by a flight attendant. This offer advertised that once I spent {$3000.00}, I will receive XXXX miles-bonus, XXXX miles for every dollar spent on XXXX XXXX flights and some other benefits. 

After applying to the XXXX I got the card and called Citi to activate the card and to create a web account. I was told during this phone call by a Citi representative that I was going to receive the XXXX miles bonus in about 8 weeks after spending the {$3000.00} and that every time I booked a flight with XXXX XXXX using this card, I would receive XXXX miles per dollar spent. She also said that she was going to cancel a Citi card she found under my name that was issued sometime before by Citi but that I never got and I never used. 

After coming back from another flight at the beginning ofXX/XX/XXXX, I signed up into Citi web to find out how many miles I had and I realized that Citi did not apply the XXXX miles per dollar I spend on the flight I booked with this card and through XXXX XXXX. 

After talking to a supervisor she told me that I was not enrolled in the XXXX miles bonus program because of that previous card the first representative found that I never got and I never used. I explain to her that I was told in XXXX by the City representative that I was eligible and that all I had to do was to spend the {$3000.00}. This supervisor approved a XXXX-mile bonus to me right away for the inconvenience and told me that she was going to write a note requesting Citi to apply the XXXX miles that they promised to me from the very beginning. 

Today XX/XX/XXXXafter spending {$3600.00} and after making all my payments on time, I got I a letter from Citi saying that the special offer of the XXXX miles is not available to me. 

I am filling this complaint against City and I request an investigation to Citi because they not only are using unfair and deceptive credit card practices but they are also lying to me by advertising and promising what they are actually not doing. I feel treated unfairly because I did what I was told to do ( spend more than {$3000.00} and of course I have been paying on time ) and I feel that this company has used false statements because now they want to deny what I am entitled to. 

I really appreciate any help you can offer to me and to any other customer who has gone or is going through the same or a similar situation.
Consumer complaint received 2021-10-13
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: JPMORGAN CHASE & CO. (CA)

I have attempted multiple times to have JPMCB CARD vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. As you will see in the letter attached that I received, it contained XXXX validation information for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. I have given JPMCB CARD more than 60 days now to delete and resolve this issue and no response with valid proof has been given. According to the FCRA, JPMCB CARD has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

I have been disputing the same account on my credit file with XXXX, Exuifax and XXXX. The account was opened in XX/XX/XXXX. It was paid off in XX/XX/XXXX per my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XX/XX/XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.