davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

i have a chase freedom unlimited card and I decided to turn on automatic payments. When the due date finally came, it only paid a portion of the statement balance instead of the full amount. I didn't know of the error until a few days later saying when i got an email from chase charging me a late fee and noticed my credit score took a dip
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I contacted Navinet to advised them they are incorrectly reporting I have had 2 missed payments. Student loans were on a pause by the Federal government under the Covid 19 relief for federal student loans and will continue through XX/XX/2022. Due to this federal law rights under the Fair Debt Collection Protection Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) has been violated under 15 U.S.C 1692e and if not corrected immediately, legal action will follow. Please expedite the request
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I.Q. Data International, dba XXXX XXXX XXXX says that I owe them {$1300.00}, a debt that the alleged original debtor confirmed that I do not owe this alleged debit. 

Why is I.Q. Data International is requesting payment for a false debt? 

Please removed this fraudulent collection account from my credit reports immediately. 

I have attached Identity theft report for review and action.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (NY)

I had a small XXXX restaurant, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX phone XXXX, my cellular number XXXX XXXX XXXX my merchant number ( accept credit card ) with td bank usa - XXXX, their customer phone XXXX my checking number - ( XXXX ) I cancel their merchant service to accept credit card on XX/XX/XXXX, but I got charge {$5000.00} on XX/XX/XXXX, I didn't get any mail for notice. They told me I pose a min on debit/credit sale. But I stop already in long time ago. There is no reason charge such high fee no matter what, td bank help XXXX charge me {$5000.00} on XX/XX/XXXX, that is not right and legal, should send me legal document by cert mail to inform me and call me. 
I called td bank merchant service 2 times, they told me I need contract visa, I called XXXX  and disconnect my call. I email to XXXX. but no answer.

td bank and XXXX  had no right charge such high fee, please help me get back money, you can email or call me, help me get back money {$5000.00} which charge on XX/XX/XXXX
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MO)

I reached out to EdFinancial.com on XX/XX/XXXX to request a refund for student loan payments made during the Covid 19 payment pause and was told the refund could take up to 180 days to process. They would not provide me with a total amount of the refund they submitted the request for and would only quickly rattle off some payments made both before the pause began and after.

I asked for a confirmation the refund was submitted and is currently being processed and was told they can not provide an email, tracking number, or any type of confirmation to me. This makes me wonder if the request was even submitted, as I've seen others post comments that they've had to call 2 or 3 times for the request to go through.

I explained the 180-day delay in receiving the refund was okay. Still, with the new forgiveness program beginning before the end of the XXXX calendar year, I wanted to apply for forgiveness on the total amount after the refund. They stated they do not know and can not guarantee my refund will be added to my account before the end of the year to submit a forgiveness application before the payment pause ends.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

I went in branch and closed my account in XXXX. Got my ledger too! And the check for my funds. 
The account is not closed! They just gave me a fee so I'm at negative balance somehow! 
I even have all calls with them recorded about closing the account.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help
Consumer complaint received 2015-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (OH)

I received a letter stating that I owed money for my XXXX cell phone bill.  However, I am currently up to date with my cell phone payment and have never fallen behind.  Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections.  The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX
XXXX
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TN)

I have never heard of this BANK that they are claiming that I owe them..

It is on my credit report and its ruining my credit..

I tried calling I keep getting a foreigner on the phone that I cant understand.. 
I dont believe I owe this because I cant get anymore information about it..
Consumer complaint received 2022-08-30
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. (NC)

Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.
Consumer complaint received 2023-06-23
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. (TN)

XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

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 a or my account without my written instructions.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (WA)

I fell prey to identity theft, and my local bank advised me to fi le a report with the FTC. The details provided herein are the most precise available. Atsome point within the past four years or more, I became a victim, and an unidentifi ed individual illicitly obtained my personal information to openmultiple accounts without my awareness. Enclosed is a list of these fraudulent accounts that require removal from my credit record.
Consumer complaint received 2022-08-30
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. (MI)

Date XX/XX/2022 Experian has committed Fraud Pursuant 15 USC 1681B, I never gave Experian permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NC)

As of today, my homeowners insurance company has not received the premium from my mortgage company, Primary Residential Mortgage. This is completely unacceptable since I have ample funds in my escrow account which the mortgage company has not disbursed and my house was in jeopardy of being uninsured. I had to send the insurance company a one month payment to temporarily bind my policy. Again, unacceptable. The mortgage company was made aware of this issue before the end of XXXX when I initially called and spoke to them on XX/XX/2021. They said they would send the payment. They did not. Again, unacceptable. Furthermore, it is well documented I called again on XX/XX/2021 and was told the mortgage company would not pay the premium until I sent the declarations pages and invoice. I emailed it to them immediately even though the insurance company already sent the invoice the end of XXXX to pay my premium by the end of XXXX but the mortgage company failed to do so. Again, unacceptable. I sincerely regret using this mortgage company for my refinance and will be considering terminating my escrow account for their incompetence. Again, unacceptable.
Consumer complaint received 2024-02-14
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. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (TX)

I am a consumer and I am filing a complaint against Experian with my own free will. I am not being coerced by any third party or credit repair agency. This is a final notice in regards to the inaccuracies being furnished for the following accounts XXXX  XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXXe - XXXX XXXX XXXX, XXXXXXXX XXXX-Retail - XXXX XX/XX/XXXX, please review the following attachments to see my full complaint.
Consumer complaint received 2022-08-30
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. (VA)

Someone prudently opened an account with XXXX  XXXX in my name. 

XXXX XXXX says the account was opened in XX/XX/XXXX. I was a federal prisoner from XX/XX/XXXX until XX/XX/XXXX. 

I have send XXXX  XXXX a sworn and notarized affidavit concerning the issues but XXXX  XXXX still believes I lived in XXXX in XXXX of XXXX and had a phone in my name. Neither of which is true.
Consumer complaint received 2023-03-31
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: Cascade CISS Holdings, LLC (GA)

Xactus LLC has conducted an inquiry of my credit resulting in a hard credit inquiry. I have no knowledge of this company and have not consented for them to review my credit. It is damaging my credit scores.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

We had a fradugulent modification with XXXX  back in XXXX they then had us sign a new mortgage with them they bascially had there hands slapped like other mortgage companies and t away with it now XXXX  back in XXXX sold our loan o Rushmore loan management and they have increased out mortgage by XXXX dollars a month by stating a new escrolled with taxes even after XXXX just did this in XX/XX/XXXX which they had our new taxes why do mortgage companies get away with this not suppose to change the contract and now we cant even delete our insurance off escrow because of the contract we signed with XXXX  why should the consumer have to pay for this please help us this doesnt seem right
Consumer complaint received 2022-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payment being done in the month indicated in the report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I contacted every company listed requesting documentation with my signature authorizing them to use my information and not one company has done such, these inquiries are damaging to my credit and are going to make it much longer to purchase a home in the future, the companies and said dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see most of these inquiries are by some of the same companies multiple times in a short period.
Consumer complaint received 2024-02-14
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. (CA)

This was my follow up for my latest complaint. I am requesting the removal of the following items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), mandating their removal no later than 4 business days after XX/XX/XXXX. This matter was previously addressed in my prior correspondence, and I am restating it here alongside my new FTC report # XXXX. Please expunge the following items attributed to alleged identity theft : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to remove the listed items may result in legal action. I have apprised my attorney of my intentions, and they stand prepared to pursue legal recourse in case of willful noncompliance.
Consumer complaint received 2022-02-24
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. (GA)

XXXX XXXX XXXX XXXX. This company needs to audit my account and remove some of the dates that are said to be late. I am current on this account. Even when I am current the company continues to call about the upcoming payments or payments that are nit 30 days late. I have asked that the account be audited by a human and that if the company can not prove to me on paper that my payment was more than 30 days late that my account be updated and corrections made to ALL credit reporting agencies. This time period is from the beginning to present of the account.
Consumer complaint received 2020-02-21
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. (AR)

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/2022 there were a series of charges from XXXX made to my Venmo account. I disputed them to both Venmo and XXXX XXXX. 

XXXX XXXX has been responsive. 
Venmo has not been responsive. 

Venmo has frozen my account and told me they would get back to me... ..they have not. 

I want to close my Venmo account, be reimbursed for the unauthorized charges and gety a check for the {$80.00} I have on deposit with Venmo. 

I have called many times to no avail. Sent texts and filled out forms nothing work with Venmo.
Consumer complaint received 2022-04-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-30
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: JPMORGAN CHASE & CO. (SC)

I started receiving a bunch of inquiries on my account and some of them were literally back to back. There was even an inquiry about a mortage loan and im not interested in buying a house at this moment. Everyday i get alerts talking about my credit score. I do not have any knowledge of these inquiries.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I have been unable to get my weekly free credit report as afforded to me by law. I've asked XXXX to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collection Partners, Inc. (TX)

Received notification from collection company PayCourt in regards to a debit that was owed back from XXXX of 1994. This is a XXXX year debt in which this is the 1st attempt the company or original creditor has ever contacted me. 

What's confusing to me, is this is far past the statue of limitations and if this is a debt of mines, why wasn't I ever contacted before. I'm not sure if this is a scam, in attempt to collect {$470.00} for fees. I'm requesting this company stop all attempts of collections and possible negative impact to my credit.
Consumer complaint received 2020-02-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MD)

I had a loan with XXXX XXXX back in XX/XX/2006 and then got another loan in XX/XX/2006 and paid off the 1st loan from XXXX. XXXX XXXX then transferred that loan to XXXX and then Greentree, or Ditech took it over. The problem is when XXXX paid off XXXX they never filed a lien release with the county and now its on my title as someone who has lien against my house and I cant refinance. Now when I call Ditech they have no record of the loan and will not release the loan because they cant find it in there system.