davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (PA)

I initiated a balance transfer on XX/XX/XXXX transferring {$440.00} from my XXXX XXXX credit card to Chase credit card. Only XX/XX/XXXX the balance transfer was completed by Chase and the {$440.00} was added to that account. Today XX/XX/XXXX I still see the balance on my XXXX XXXX statement as well, I called customer service and they claim they don't see any transfer to Chase and they can't adjust my account until they receive payment from Chase. As of right now the {$440.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.

1.XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX   5. XXXX XXXX XXXX
Consumer complaint received 2017-09-20
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: EQUIFAX, INC. (CA)

Became aware of Equifax breach on XXXX XXXX, Checked Equifax site and found my credit information was compromised. XXXX Put a freeze on my credit at all 4 credit bureaus and a fraud alert at XXXX XXXX XXXX Registered with Equifax and received message to get back to them on XXXX XXXX. Signed up for the " Free '' Equifax TrustedID Premier credit monitoring. 

Have not received any confirmation E-mail, Phone call or letter that I have an account established. Have checked on line at Equifax and the site shows I DO NOT HAVE MONITORING. I have tried every phone number I can find for Equifax ( 5 numbers ) and only the XXXX one is answered. They told me to call the US number ( one of the 5 ).
All are automated to sell products.
I want confirmation that I have " FREE CREDIT MONITORING ''.
I want a phone number for Equifax that is answered by someone in the USA.
I want FREE LIFETIME CREDIT MONITORING.
Can the Federal Government provide a number ( that will be answered ) where I can get a straight answer to my question from Equifax? 

Thank you
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX previously modified my mortgage but in 2016 they adjusted the payment higher which caused me to miss two payments. XXXX XXXX XXXX then transferred my mortgage to Ditech who agreed to modify my mortgage again and bring the payments back to where they were before XXXX XXXX XXXX 's increase. The problem is that after Ditech modified my mortgage, they never updated the mortgage to current. Even though Ditech never reported on my credit report, they serviced my mortgage as if the modification ( with the exception of the payment ) was never completed and as a result, when Ditech transferred my mortgage to XXXX, they reported my mortgage to XXXX as 90 days late when in fact I was 30 days late.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

XXXX XXXX has leased an apartment in XXXX at XXXX XXXX located in XXXX XXXX, SC. I was an occupant of the property and not a leaser/guarantor for the lease. The company had an outstanding balance on the lease that was finally settled by the company in XXXX but the collection company National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX had placed this as a collection account on my credit negative effecting my credit. This derogatory account on my credit is stopping me from closing my home this week ( XX/XX/XXXX ) potentially jeopardizing my interest rate lock. 

I have attached the letter from the landlord with zero balance.
Consumer complaint received 2022-05-04
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. (TX)

Hi, My name is XXXX XXXX and I am filing a complaint for equifax as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.
Consumer complaint received 2018-10-18
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. (AZ)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (NC)

on XX/XX/XXXX I was terminated from my job. I have been in contact with Ford Motor Company during my unemployment and they workrd with me. On XXXX I staerted a new job with XXXX. i entered a promise to paY FOR XX/XX/XXXX which was accepted the week prior. tday, I rewceived a cal from Frd motor credit and they told me that the promise to pay will not be accepted And they intend to reposess the truck. i WAS LIED TO.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS CAPITAL ONE CREDIT CARD. THIS FACTORING COMPANY-XXXX  XXXX  BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE XXXX  XXXX  DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As per usual, pulling the credit report to which I'm ENTITLED BY LAW to receive a copy of my report. Every time I attempt this thru one of the " big three '' CRAs, I hit a roadblock. 

This has to be my third or fourth complaint about TU. Given that I've been unsuccessful EVERY TIME I attempt to pull a CR, I'm beginning to wonder if there's a system in place to deny these reports.
Consumer complaint received 2020-07-25
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. (CA)

I have attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedures which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-06-15
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: WELLS FARGO & COMPANY (IN)

It is very upsetting that wells fargo took a credit card application from me and then claimed they could not verify my identification number. 
This is a lie! 
I put in my social security number and have plenty of credit. 
They need to approve this application and stop this inaccurate reason to bait and switch on me to see my credit and have a reason to SELL my information. 
None of my information will be sold ~ I started receiving solicitor calls and emails after this application. This is very shady.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Braviant Holdings, LLC (MO)

My initial contact with XXXX XXXX them was in XXXX when they called my brother, sister and mother and told them I have a debt and someone will be coming to their homes to find me. Then received over ten calls from someone who would not identify themselves but stated that a representative will be at my door to serve me with papers and I will need tow forms of ID to identify myself. I finally got through to a different representative who told me I owed a debt to Balance Credit and it was about to be submitted to court. I told them was unaware of this debt and to send me proof of the debt. I was told there wasn't enough time and it was being sent to court today. I was told if I did not submit a payment today i would owe triple the amount on court. I explained that I was unaware of the debt and did not feel comfortable paying it without proof or any explanation. I was then hung up on. I called again and was told if i paid XXXX today, I could set up payment arrangements and it would not go to court. I felt as if I had no choice but to pay because I would not be able to afford a lawyer and I had no way to prove the debt was not mine. I set up payments for XXXX a month. I had been okay paying them until XXXX when I could not make the payment and called to try to make alternate payment arrangements. 
XXXX I spoke to two representatives, who both threatened to have me arrested, threatened to take me to court for debt that I have previously stated is not mine. I was told that regardless if the debt was mine I am responsible for it and I will be arrested or taken to court. The first representative stated, " Be sure I have two forms of ID when they get to your door '' and then hung up on me. The second representative stated, " the debt would double or triple in court, have a nice day. '' and then hung up on me.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VA)

On XX/XX/2021, I received a notification from XXXX indicating a debt collection company placed a debt against your credit account. I filed a dispute with XXXX and informed them this is not my debt. I later realized the debt has caused my credit score to decline do to the recent debt. The collection amount is {$690.00}, but I hadn't receive a bill disclosing the details about the debt, but I was able to obtain the phone and address of the collection company. 

On XX/XX/2021, I sent a letter to the debt collection company informing them they had the wrong person and I didn't receive a letter from them, but I found out through the collection company about more details of the debt. 

On XX/XX/2021, I called the debt collection company to inquire about the debt. I informed them they had the wrong person, but they were not willing to remove the debt from all of the credit reporting agencies. I stated several times they had the wrong person, so I requested to speak to a Manager. The Manager didn't want to listen to me even after I stated several time they had the wrong person. The representative stated several times, she wasn't willing to remove the debt, but I stated again, this is not my debt.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I was a customer with BridgeCrest from XX/XX/XXXX - XX/XX/XXXX. I had an auto loan with them. I was reported late twice on all 3 of my credit reports by BridgeCrest and this is inaccurate. In XX/XX/XXXX I refinanced the loan. The new loan company sent Bridgecrest a certified check for the payoff prior to my next payment being due. Bridgecrest has a policy of a minimum 10 day hold for document verification. Bridgecrest held the check until XX/XX/XXXX and gave me a 30 day late on my credit report. Please look at my XXXX  report they gave me a OK for XX/XX/XXXX. NR ( Not Rated ) for XX/XX/XXXX and a 30 day late for XX/XX/XXXX. I asked them several times to adjust my 3 bureaus and they refuse. 

On my XXXX  Bureau they marked me 60 days late XX/XX/XXXX. I was current in XX/XX/XXXX and current on XX/XX/XXXX. Therefore I could not be 60 days past due. I pointed out this error and they refused to adjust it. 

Please review the attachment XXXX XXXX XXXX Page 1 & 2. This is the company that refinanced the Bridgecrest loan. As you can see the account was opened in XX/XX/XXXX along with a payment reported for XXXX. The same month Bridgecrest is reporting me late for on XXXX. 

On XX/XX/XXXX I was involved in a fatal accident and lost a loved one. I was medically incapacitated. I asked Bridgecrest for mercy and to waive the 30 day late and they refused. However, I have read comments of customers on this site stating Bridgecrest agreed to adjust their late marks on their credit reports due to COVID-19. Why am I being discriminated against because my medical issue was not COVID-19 related? I had an unforeseen occurrence due to no fault of mine and Bridgecrest refused to offer any assistance. Public relations has nothing to do with decency. Had someone been rejected because of COVID-19. The court of public opinion would render a verdict. However we both suffered difficulty and mercy was needed. I was denied. 

I did file a XXXX  complaint on Bridgecrest. I was very disheartened to see the representative from Bridgecrest being misinformed stating that for the life of loan I was 17 times 30 days past due on my payments. This is 100 % not true as shown by my 3 credit reports I uploaded.
Consumer complaint received 2023-01-18
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. (TX)

I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes XXXX, XXXX and Transunion have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

XXXX. ) XXXX XXXX XXXX # XXXX ( NOT FOUND ) XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX ( NOT LICENSED IN TEXAS PDF ATTACHED ) XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ( NOT LICENSED IN TEXAS ) XXXX. ) XXXX XXXX  ACCT NUMBER XXXX ( NOT FOUND )
Consumer complaint received 2019-03-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PA)

foreclosure notice never sent contacted them XX/XX/XXXX to discuss payment arrangements and was told as of XX/XX/XXXX we were in foreclosure. nothing in writing had done the trehab programs with no luck. also had to request no robo calls as they were coming in all hours of day and night. sent them letter saying to stop robo calls but to contact us by regular phone, which hasn't been done. they have some very rude people they you have to talk to. like one today was ext XXXX who got very snotty. I would like account paid in full this has been going on to long with this company
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have filed a complaint and have been denied to talk to management. I have been told to wait 2 days for a call for management. I suppose to be protected from liabities of fraud. Im writing you with a negative XXXX account. Documentation and Police Reporr that hasnt been verified. Im looking at my children that are hungry and still no Manager was notified in my crisis. 

I had a XXXX ams had XXXX XXXX XXXX. Im unaware of what transactions happen from XX/XX/XXXX to XX/XX/XXXX. My passwords were changed My phone, license, social security, debit cards, amd cell phone with electronic wallets are missing. 

I had a deposit of XXXX on XX/XX/XXXX I noticed when I got discharged from the hospital my balance was XXXX dollars Today its is negative. I started calling customer service since XXXX and now at XXXX cst Im still on hold. I have been refused management. I was this morning I was going to get a provisional credit and now told this phone call doesnt exist I have been refused a full investigation. I have been talked to horribly. Im begging for help because my children need to eat. I have to pay for shelter. 

I just asked a resolution specialist how would you feel about this situation. She says dont bring my children in this. I filed an OCC COMPLAINT due to I put money in a bank for this emergency Im a single parent and cant give breakfast in the morning. I wasnt given the opportunity for a full investation. The disputes range up to XXXX and still counting.