davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (NY)

Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes 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
Consumer complaint received 2022-03-07
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (OK)

I have reached out about a missing payment that wasnt applied. No one got ahold of me : they didnt get my information on the lawsuit when I am supposed to be part of it. They ran my credit 4 times when I was approved for the loan multiple times. Made me sign a whole new contract. Didnt reimburse for the extended warranty that should have been able to be used. Sold a car that was defective. They have also called me from XXXX to XXXX 7 days a week after being on the do not call register. After I asked no to be contacted over 200 times in a week. Ran my credit innocorecty and reported to the wrong creditors
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I have a XXXX XXXX XXXX XXXX store card. On XX/XX/XXXX I purchased furniture and financed it using a " 12 Month Special Event '' financing. The terms of the financing agreement were that the interest would be deferred for 1 year and the full interest would be due at the expiration of the agreement on XX/XX/XXXX if the principle had not been paid in ful before the expiration. 
On XX/XX/XXXX I paid the full balance of my XX/XX/XXXX statement. This included the remaining " Special Event '' balance in full. XXXX XXXX XXXX allocated a partial payment to the " Special Event '' balance and also allocated a {$27.00} minimum payment ammount to charges made in the future ( XX/XX/XXXX ) billing cycle. The application of a payment towards the current statement ammount to the current balance and future statement, is a violation of the terms of the XXXX XXXX XXXX credit agreement. As a result {$27.00} remained on the " Special Event '' balance on my XX/XX/XXXX statement along with a debit for the entire interest that would have accrued on the " Special Event '' financing. I was able to contact Customer Service on XX/XX/XXXX to get a full refund of the interst. I still had to pay a {$27.00} late payment fee on the XX/XX/XXXX statement balance. Due ot my confusion I did not want to make a payment until I had resolved the huge discrepancy on the XX/XX/XXXX statement. 
To add insult to injury, I am a XXXX employee who was not receiving pay during the entire period that these charges were being sent to me and my attempts to resolve the issue. 
This is, in simple terms, a con or scheme on the part of XXXX XXXX XXXX to confuse their customers into making large interest payments that they are trying to avoid. In the 11 month run up to the final payment being due, XXXX XXXX XXXX never miss-allocated a payment. All of my payments went towards the balance of the current statement. Only on the last month did XXXX XXXX XXXX try to confuse me by miss-applying a payment to a future billing cycle. I worry that other consumers would fall prey to this con. CFPB, pleaes help protect consumers from this scam and others like it.
Consumer complaint received 2022-08-29
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. (MI)

Good morning ; to whom I might concern I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a Registered letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a Registered letter to them asking them to provide me a signature or something that was done by me and they never sent me but they received the letter I sent .and they are not following the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries 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 ), that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that is not mine.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX and XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), AD Astra Recovery Service ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.
Consumer complaint received 2020-09-15
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. (WA)

A fraudulent charge and subsequent collections account showed up on my credit report. I made several attempts to resolve this - disputing it with all three credit bureaus. I reported the fraud to the collection agency, I also reported it to the vendor ( XXXX XXXX XXXX ). Finally, XXXX XXXX XXXX cleared me from the account - proving that it was a fraudulent charge. The collection agency also cleared me of the charge. I've sent supporting evidence to Experian and requested that they remove the collection from my credit report, but they will not. The dispute results state that the collections account is now in good standing, but will not be removed from my credit report until XX/XX/2026.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TN)

Chase credit card was not supposed to bill me until XX/XX/XXXX, instead, they billed me XX/XX/XXXX. I am a XXXX veteran and my check deposits into my account usually on the XXXX. They caused me a {$30.00} insufficient funds charge at XXXX XXXX XXXX and refuse to pay the over draft. XXXX refuses to erase the charge. THERE SHOULD BE REGULATION THAT CHASE SHOULD HAVE TO PAY THIS {$30.00} NSF CHARGE.
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sortis Financial, Inc. (CA)

I received a 1099-C form from a debt collector for a debt that I have tried to get information on but have never received proper verification that I have previously requested. From verbal conversations it appears to be some sort of home loan that I took out in XX/XX/2008 through my mortgage company, XXXX. During the mortgage crisis my home went into foreclosure and the company was sold to XXXX XXXX XXXX. I was able to modify my home loan and refinance all the debts owed at that time. I have since refinanced my home and am in good standing. Any prior home loans were taken out as secured by my lenders and when modified I received reconveyances and title insurance. This appears to be a scam and a modification of my original secured home loan that was refinanced. Apparently, they believe they can collect as unsecured but won't give me any information to date. I dispute taking out any unsecured loan. I have never paid anyone or am I aware that I owed anyone separately. I can get reconveyances and title reports if necessary. I further dispute this debt as they say it was taken out in XX/XX/2008 and is no longer collectible according to a Financial Credit Act. I was in financial distress for years as a result of medical issues and XXXX  that left me with an XXXX XXXX XXXX XXXX XXXX/XXXX/and XXXX. I dispute this debt and ask that the 1099-C be voided. Thank You!
Consumer complaint received 2022-09-03
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: NCB Management Services Inc. (TX)

XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), NCB Management Services NCA ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.
Consumer complaint received 2022-09-03
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-03
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-03
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (GA)

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (FL)

In XXXX XXXX I've received a letter from XXXX XXXX XXXX XXXX about a VA mortgage refinance offer and a gift card. We are on the market for refinancing so I gave them a call to inquire about their product/offer. The name of the agent I talked to was XXXX XXXX. I called him on XXXX. I gave him all our personal information he needed in order to run our credit report and work on his offer. Including social security #, home address, names, phone, email everything. He sent me an email that he would reply me soon. I've never heard from him after that. I've emailed, called his number several times, I also called the company 's main number I wasn't able to talk to anyone. His number is XXXX or XXXX.
Consumer complaint received 2022-09-03
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)

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION, IN DISPUTE AT ALL. CORRECT IMMEDIATELY, AND EXPEDITIOUSLY!
Consumer complaint received 2022-09-03
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. (MD)

Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-09-03
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)

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXXXXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (MD)

In XXXX I acquired a water treatment system, had a month payment of $ XXXX a month. But didn't make payments for couple months in XXXX or XXXX. Then in XXXX started to make payments again, but was late with payments, so in XXXX of XXXX I was offered with installed payments by XXXX XXXX a representative of Castle Credit for {$300.00} every XXXX of each month 'till XX/XX/XXXX then he said the account is gon na be closed automatically, which it didn't days later in XX/XX/XXXX I recieved a call from them trying to collect $ XXXX remaining in the account he said. All this time they reported a nonpayment for this account. So I contacted XXXX XXXX XXXX to file a claim, they resolved the issue but leave me a delinquent credit for this matter.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

LexisNexis is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with LexisNexis and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (LA)

Wayfair credit card opened in my name through Citi Bank ( CBNA ) with credit limit of {$4000.00}, current amount reported is {$3800.00}. Notified XXXX  & Citi Bank and account is closed. They will begin investigation. 

XXXX XXXX allowed someone to finance through XXXX XXXX XXXX in my name with a credit limit of {$7500.00}. Current charges amount to nearly {$5000.00}. They have declined any further charges on the account and will begin investigation. 

Shipping addresses are the same for both accounts and I do not know anyone at the address.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

In response to several complaints I have filed against Chase they now are claiming, in a letter dated XX/XX/2019 they did not receive my XXXX payment despite the fact that the payment cleared my account on XX/XX/2019. These people really are XXXX.
Consumer complaint received 2023-01-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The problem began approx. XX/XX/2022. I had a business loan for {$430000.00} with SPS. My monthly payments were $ XXXX. I had a XXXX % interest rate. For some reason, Select Portfolio Servicing ( SPS ) put money into my checking account ( around {$2800.00} ) that they were not supposed to put in there. I thought it was an escrow overage so I put the money into the stock market and unfortunately, I lost it. Then SPS contacted me to tell me I was behind in my payments. They told me it was not an escrow overage and that they made a mistake putting the money into my checking account and they wanted it back. In XX/XX/2022, I made a double mortage payment of approximately {$5600.00}. However, because my loan is a business loan, they have a default rate of XXXX %. So instead of using that money to catch up on my mortgage, they didn't apply it towards the loan and they sent the payment back to me because I was at default level, which was about {$7000.00} per month instead of {$2800.00}. Since I made the double payment, I believed I was current. I took a business trip to XXXX and I was gone for a month and I was not receiving any mail at my home in XXXX to inform me that I was in default. When I returned to XXXX I advised SPS of these facts but they did not try to help me. I also explained that during the trip to XXXX, my wife and I both contracted XXXX and it affected my earnings. I asked if they could help due to that situation and take me off the default rate so that I could catch up. They explained that it would take a month for them to decide if they would help. I requested that while we were waiting for the one month period if they could take me off the default rate but SPS said they could not do that. So after I waited a month, they declined to help me. Now my situation is worse because now I owe {$14000.00}. I contacted them in XXXX of XXXX five different times to see if they could help me fix this situation but I could only leave messages and no one would call me back. I had to come up with the money which put me in a hardship situation to get out of the default rate. At one point, SPS said they would possibly assist me with getting out of the default rate but they did nothing despite my circumstances. I spoke to a representative at SPS about the double payment and was told that the they should have never mailed that money back to me but should have applied it to the loan. Since I've had a loan with this company, they have taken out double payme nts three times without my permission. If there is something you can do to assist me with this predatory compa ny, I would appreciate it. 

Thank you. 

XXXX XXXX XXXX XXXX