davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Westlake Services, LLC (CA)

Started with XXXX  Fraud, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : Westlake Financial Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX XXXX XXXX showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}
Consumer complaint received 2023-03-19
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-05-06
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. (NY)

CHASE BANK refused to refund a disputed charge I have from XXXX ( Booked through XXXX ) {$2300.00} on XX/XX/XXXX. That charge made by Travel Agency and the agency has cancelled the transaction according to numerous emails. I canceled booking on XX/XX/XXXX. Then I got letter from travel agency that my bookings are canceled and provide all information about cancelation policy including full refund, the handling time should be around 8 weeks. Its almost 6 months, since I canceled bookings and I still didnt get refund. On XX/XX/XXXX I have sent them email where I asked about refund issue and why I didnt get refund. They answer me we have checked and found that there is chargeback by your bank. Hence we request you to please speak with your bank regarding refund. After that tried to dispute this charge with chase, every time when I called to chase customer service I had different instructions from them about what information I need to provide in fax, they never contacted me in order to get additional information. However, I sent them cancelation letters from agency and fully explained my situation. On XX/XX/XXXX they sent me a letter that the transaction from XX/XX/XXXX is valid and refused to acknowledge the emails from XX/XX/XXXX that I received.
Consumer complaint received 2018-09-16
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (NV)

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH HYUNDAI CASE # XXXX  XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX XXXX  HYUNDAI DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX  THAT IS NOT TRUE. XXXX RECEIVES XXXX  A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX   A MONTH RENT, HYUNDAI HAS RUINED XXXX   REPUTABLE CREDIT. WE ARE ASKING HYUNDAI TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX  A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. HYUNDAI FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX  AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT HYUNDAI PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX  CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM HYUNDAI ESCALATION TEAM NAME IS XXXX  AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING HYUNDAI TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX XXXX   offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran
Consumer complaint received 2022-07-10
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)

The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My mortgage has changed hands multiple times and is currently serviced by NewRez. I have always had my mortgage payments on auto-pay and no issues with payments being on time. My XXXX score on XX/XX/XXXX, was XXXX. 
I started making inquiries in XXXX, XXXX, regarding refinancing my mortgage loan. I had reached out to XXXX and started the refinancing process. 
In XXXX, XXXX, without my knowledge or consent, NewRez took my account off auto-pay and put me on a forbearance program. I was made aware of this in XX/XX/XXXX, when they sent me a letter regarding their approval of my forbearance program. 
I called them immediately, and let them know I had not requested a forbearance program, to put my account back on auto-pay. I paid them both XX/XX/XXXX and XX/XX/XXXX 's payments. 
I was assured that I would not be penalized, nor would it impact my credit rating. 
On XX/XX/XXXX, I received an alert that my credit score had been impacted and had dropped XXXX points from a XXXX to a XXXX. I reviewed the reason behind my score decrease to discover that NewRez, despite their assurances that it was their mistake, and my credit rating would not be impacted, had reported my XX/XX/XXXX payment as 30 days overdue almost 1 year later. I have tried to resolve this with NewRez and have yet to receive a response from a live person who can resolve this.
Consumer complaint received 2018-09-16
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: AMERICAN EXPRESS COMPANY (TX)

I opened a new Amex credit card in XX/XX/XXXX and have met the spending requirements for the promotion offer ( XXXX points for XXXX spending within 90 days ) for 4 months. I contacted the Amex several times and no responses. I request the offer be honored by Amex as advertised.
Consumer complaint received 2018-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

I have never requested to have my Chase College Checking account switched to a Premier Plus Checking account, nor was I notified of the $ XXXX monthly service fee that penalized users when their checking account holds less than a {$15000.00} balance. Yet JPMorgan Chase Bank & Co took it upon themselves to do just that and then charged me a $ XXXX monthly service fee from XX/XX/XXXX XX/XX/XXXX. When I finally caught on to what was happening I demanded to be refunded but was told their system only permits a refund for 5 months of service fees, despite this dating all the way back to XXXX of XXXX. Customers should not have to monitor their bank statements in fear of their accounts changing in ways that allow the bank to charge their accounts. I also should not have been blamed for not having caught onto Chase Banks shady behavior until recently. 

This is unacceptable, and I will see about my college, The XXXX   XXXX University issuing out a mass warning to all 45,000+ students to which Chase is currently advertising their services to. College students should be warned that when they create a new Chase College Checking account, they are in danger of their account being switched so that Chase bank can accrue monthly service fees, as is the case with Premier Plus Checking account. But most importantly warned that JPMorgan Chase Bank & Co  happily does so without the consumer 's consent.
Consumer complaint received 2019-05-06
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. (IL)

So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Consumer complaint received 2018-09-16
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. (GA)

These are accounts are grave errors, and were settled a long time ago ... I was appalled when I viewed my report ... how can settled accounts be sold to collection agencies?? 
The original creditor informed me that these accounts were and can not be verified, so why is Equifax still reporting?? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX {$200.00} XXXX {$59.00} XXXX {$30.00} XXXX {$480.00} XXXX {$230.00}
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Us Bankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SD)

On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer XXXX. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago. 

XXXX credit card I already paid them in full 3 years ago XXXX   XXXX Already paid them in full around XXXX of this year. 

XXXX credit card Never been late in payment and paid them in full XXXX Paid them in full already
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Education Services, Inc. (IL)

In XX/XX/XXXX I made an agreement with CESI XXXX to consolidate and pay off 3 of my credit cards. They started making payments on my behalf until XX/XX/XXXX when I was told that all XXXX cards were paid off. Sometime in the spring of XXXX I started receiving letters from the XXXX XXXX XXXX stating that I owed {$1300.00} on a credit card from XXXX XXXX XXXX which was one of the credit cards that was supposed to have been paid off by CESI XXXX. I have spoke to CESI XXXX numerous times and they assured me that the debt was paid. They sent me a summary of all the payments ( Attach A ) they made stating that the balance they got from my credit report in XXXX was {$550.00} and since the card only had a {$400.00} limit, the collection agency ( XXXX ) was mistaken. Satisfied with this explanation I ignored the letters thinking it was some sort of scam. Around XX/XX/XXXX I started receiving letters from XXXX XXXX XXXX regarding the same XXXX XXXX XXXX debt. I requested my credit report from XXXX, XXXX and XXXX and all 3 said I did owe this amount ( Attach B ). I called CESI and they again assured me the debt was paid and they offered to send the list of payments they made to XXXX XXXXXXXX XXXX with check numbers and dates the checks were cleared to prove that the debt was paid ( Attach F ). I called XXXX to tell them I was disputing the debt and that CESI would fax them proof of the payments made to the account. XXXX claims they never received the fax even though CESI claims they sent it several times and received confirmations that it went through. I also called XXXX XXXXXXXX XXXX to request information about the balance because I didn't understand how a card with a {$400.00} limit could carry a balance of {$1300.00}. They said they couldn't give me any information because the account was closed and sold into collections and the collection agency would have all that information. When I called XXXX  to get a detailed summary of how the balance had grown to such a large amount they just sent another copy of the same statements I had already been getting for several months ( Attach C, D & E ). Lastly I asked CESI if they had a copy of the agreement they made with XXXX XXXXXXXX XXXX regarding the monthly payment amounts they would accept as part of my consolidation and CESI told me no. I only asked this because when I looked closer at my credit report the amount listed as the scheduled payment each month is much higher than the amount listed as the payment made ( Attach G & H ). I suspect this may be the problem but I can not get any more information from XXXX XXXXXXXX XXXX or XXXX and CESI insists they are not at fault.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was a victim of Identity theft and have sent in numerous documents for my FTC report showing the Inquiries are not mine. They refuse to delete it from my account. Every week its a new reason why they cant remove from my account.
Consumer complaint received 2018-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

On XXXX entered into an agreement with XXXX XXXX XXXX and XXXX XXXX XXXX involving student loan debt and forgiveness. The contact person with this agreement was XXXX XXXX/Enrollment Advisor, Ph XXXX, Fax # XXXX, address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I have been unable to contact neither XXXX XXXX or XXXX XXXX XXXX over the past few weeks. I was notified by Navient, Department of Education Loan Servicing ( current holder of the loan ) that my loan was severely delinquent and that now the balance on my loan is in excess of {$4100.00} when the principal on my original loan back in XX/XX/XXXXwas less than {$20000.00}. Because I was pursuing further education I was under the assumption ( after speaking with XXXX XXXX XXXX and XXXX XXXX ) that there would be deferrment or forbearance of my loans as long as I was furthering my education. I do not dispute that fact that I need to repay my original loan amount. I just believe that I was severely mislead by this man and this fraudulent company regarding the repayment of my original loan. Also my credit has taken a huge hit since this has happened and I would like to set thing straight and get on with my life. This situation has devastated me and is hard to explain the impact that it has had on my life.