davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I previously disputed with the company of the following charge off account. I have attempted on numerous of times how could they have verified my account as accurate if it's so many inconsistencies. The company has not once sent any method of verification or deleted the account due to inaccuracies. As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. 
The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. Also ALL accounts are supposed to provide a date of last activity which they failed to provide.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I am having ongoing issues with XXXX signature XXXX Chase credit card. 

XX/XX/2022- received an email on an outstanding balance and I had not used the card in over 6 months nor had I received statements either. I was forced to make a payment and they reported this late payment of under {$200.00} to the credit bureau. I then noted part of the balance was for a purchase I did not make. I had previous issues with Chase not receiving statements so decided to cancel the card all together during this conversation. I also reported I did not make the purchase to XXXX XXXX but did have an account with XXXX XXXX. The balance I was told was paid in full during this conversation and the card was closed. I contacted XXXX XXXX and they charged my card in their system by mistake. They credited the card promptly. 

XX/XX/XXXX, XXXX I received an email to make a payment on my card a minimum of {$37.00}. I called Chase. I know longer have this card as it was cancelled. They told me it was for a charge to XXXX. I then said I have an email that this was credited from XXXX  and I did not make this purchase. Chase said I am still responsible for this late charge as well as I already paid for this purchase but no longer have this card. I will not be paying this late fee. This company needs to be investigated for fraud as well as inaccurate reporting to the credit bureau. I have no other problems with the two other cards I use and this should not be permitted.
Consumer complaint received 2019-10-14
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. (IL)

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX XXXX not mine
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Since XX/XX/XXXX this company has attempted to collect a debt of {$85.00} for an XXXX XXXX XXXX bill five times a day, every day starting from 8am to 8pm. I have tried talking to them, I have put XXXX XXXX XXXX representative on the phone with them and had XXXX XXXX XXXX confirm that I did not owe them any money as my bill is automatically withdrawn and always on time. I have blocked dozens of different phone numbers of them attempting to collect.
Consumer complaint received 2023-01-13
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: JPMORGAN CHASE & CO. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XXXXXXXX- Balance : {$270000.00}. XXXX
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NE)

We ran up a large debt ( {$12000.00} ) on our Wells Fargo credit card. With an interest rate of 27.74 %, we are paying payments of {$500.00} with {$280.00} in interest alone. We called on XX/XX/2019, and talked to an employee and then supervisor in the department responsible for financial hardship. We are trying to reduce our interest payments on all credit card debts as we are expecting a second child in XXXX of this year, and need to plan for more expenses to raise a healthy child. All other credit card companies have granted meaningful financial hardship requests except Wells Fargo. 

They stated Wells Fargo does not offer APR reductions for financial hardship, at least not for us. They could not tell us why we didn't qualify for it, or if Wells Fargo even offers APR reductions. All they could offer was a 3 month reduction in minimum monthly payments. Any deficit below the minimum monthly would be added onto the next month 's payment. It would do nothing to address the interest that makes it so hard to pay back this credit card. The short period with no reduction of interest means we can not meaningfully pay back any amount that would reduce the lifetime payback amount on this card. 

We filed a complaint with Wells Fargo Executive Dept, complaint ID XXXX. They stated they would return our call and allow us to write a letter. They would not say where we could address a letter of complaint to. They indicated their policy would not change no matter what.
Consumer complaint received 2023-04-13
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. (NV)

in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX  XX/XX/XXXX & XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2019-10-14
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: EQUIFAX, INC. (OH)

There are numerous hard inquiries from XXXX. They are on all 3 of the credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.
Consumer complaint received 2019-07-29
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. (CA)

XX/XX/2017 filed Chapter XXXX. XXXX XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XX/XX/XXXX shows on Experian as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.
Consumer complaint received 2019-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are numerous hard inquiries from XXXX. They are on all 3 of the  credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.
Consumer complaint received 2016-03-24
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: MONEY SOURCE, INC., THE (NC)

Continually calling XXXX 8 times per day even after they receive the information about payment dates they are looking to get. Asked them not to call again and was told until the payment actually showed up, they could not take me off their auto-dialer.
Consumer complaint received 2022-12-02
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. (LA)

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

XXXX XXXX XXXX, XXXX Bank XXXX ( XXXX ) ; XXXX XXXX  XXXXXXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXXk ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX  ( XXXX ) ; and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 and XX/XX/2019. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 '' It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c, ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My identity was stolen by a close relative who I believe was my foster daughter. Any of these companies has yet to provide some valid proof of my opening them. I have received statements from the fraudulent accounts claiming to be the validation which proves nothing. Thanks for any help in resolving this.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc. (TN)

The title company tried to charge me {$150.00} for a quit claim deed that was not needed. I called them and they send me a new closing disclosure with the quit claim deed removed and the corrected amount I was supposed to receive after closing. The amount of the check I did receive after my refi was the amount originally on my closing disclosure that was incorrect XXXX {$1500.00} ), not the amount after the quit claim deed was removed ( XXXX ).
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XX/XX/2019 I paid off my Capital One card and was not planning on using the card ever again because of the high interest rate. The card was lost or stolen and charges in the amount totaling up to {$690.00} were charged. I have contacted Capital One multiple times and reported my card as being stolen and fraudulent charges were made. Capital One stated the card had been blocked and that I would not be responsible for the charges. Since XX/XX/XXXX I have had multiple addresses post on my credit reports that I've never lived at by Capital One. I still reside where I did when I applied for the card. I've disputed with the credit bureaus the information was incorrect with No resolve to my issues. I would like the {$690.00} in fraudulent charges removed and my credit reports updated as well as a payment that Capital One posted late in XX/XX/2019. Since then my account has been closed and I was told the information would update by Capital One but it never has and they stated it had updated my balance to show a {$0.00} balance and the negative payment was removed, but this is not true.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I sent 4 Electronic payments of {$680.00} for my XX/XX/2019 payment. One payment is missing and not applied to my account. I contacted my bank whom spoke with them and said they received the payment. I sent proof of payment and bank statements. Still loancare can not find XXXX dollars
Consumer complaint received 2019-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

This information is to further my complaint against mr Cooper who claims to have my mortgage that they bought from XXXX XXXX on XX/XX/2019. As we paid this mortgage loan off on XX/XX/2019 to XXXX XXXX ( XXXX ) and received payoff figures, all proper documents, liens and title, XXXX XXXX is still sending invoices that are due and very inconsistent with letters from mr Cooper saying XXXX paid them for our loan. Don't know how each handled but we just handled as told per letter from XXXX dated XX/XX/2019. I am forwarding a copy from XXXX stating our loan did not begin until XX/XX/2019 ( by separate fax to XXXX ). Therefore, I did not have a mortgage loan with mr Cooper and they had no right to send anything to credit bureaus and we were never late with any such payments to them per information received from XXXX. I wish to get all this confusion done with since it is causing much stress in our lives. Therefore, we were not late paying this mortgage at all and should have not been put through any of this upset and intolerable confusion. I would also ask that when takeovers happen, the consumer have a right to decide who they want their mortgage company to be with instead of takeovers such as this. Also, since we received all proper documents from XXXX that this loan is closed, escrow money and release of liens, how is mr Cooper going to correct and send same documents?
Consumer complaint received 2019-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$160.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXS XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXI XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized PUBLIC FILING   BANKRUPTCY : CH-XXXX XXXX not mine
Consumer complaint received 2015-09-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc. (CA)

We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. 

We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. 

We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. 

We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). 

I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. 

We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? 

As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. 

AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.
Consumer complaint received 2022-01-12
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: Ability Recovery Services, LLC (FL)

I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PORTFOLIO RECOV ASSOC was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-07-29
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is still reporting me to the credit bureaus agency on missed late payments over 120 late. I have filled a dispute many times due to fraud and the reporting agency witch is Bank of America has agreed to delete and remove the account and any remarks they have reported, unfortunately they are still reporting me and its affecting my credit report with all 3 credit bureaus and I would like it all to be reviewed and removed. Thank you for your time and your patience have great day
Consumer complaint received 2022-12-02
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. (TN)

I disputed the following accounts with Transunion and came back verified but accounts are still inaccurate. XXXX for historical payment data XXXX XXXX XXXX of 2020 show 120 days late. Account was charged off Shows past due balance/should be XXXXLast payment made XX/XX/2020 Date closed XX/XX/2020. XXXX account is still inaccurate historical data. XXXX XXXX XX/XX/2020 all show 120 days late. Account was charged off. Past due balance/should be XXXX. XXXX {$10000.00} is inaccurate. Historical data XXXX XXXX XX/XX/2020 show 120 days late. Account was charged off Past due balance/should be XXXX. XXXX {$10000.00} historical data inaccurate XXXX XXXX XX/XX/2020 show 120 days late. Account was charged off. Past due balance/should be XXXX. XXXX {$5400.00} collections. Account was disputed and came back verified. Account shows Past due balance/ should be XXXX