davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ;
Consumer complaint received 2022-01-09
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. (FL)

I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-02
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. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

my complaint is because Specialized Loan Servicing has not evaluated fairly my financial setback due to the pandemic situation. 
Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, Loan I am currently 8 months behind and they are playing games. 
They are reporting me late on my credit report even though there is a local law here in XXXX XXXX about evictions and foreclosures. 
they approved me for a short sale on XX/XX/2021 even though they know I want to remain in the home. 
I tried to pay 4 monthly payments over the phone to catch up and they refused the payment claiming that my file is " under foreclosure " If I make 4 payments then I should be given an opportunity to work this loan out with them and for them not to be so drastic on my situation. 
I can not sell the home at this time and i want to keep my house. Please help me figure this out with them. 
Thank you. They can be reached at XXXX
Consumer complaint received 2020-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy. My attorney approved for me to obtain a car in XXXX. I have never missed a payment and have not had any credit cards since all accounts were closed in XXXX. XXXX XXXX recently offered me a way to build my credit. I have made 1 of 6 payments to them. 

I am working to try to refinance my home ( currently has my ex-husband and my name on mortgage, but he signed a Quit Claim Deed ). I divorced my first husband back in XX/XX/XXXX. 

Each time a lender pulls my credit, it comes up with the following statements. 

1. Length of time since derogatory public record or collection is too short 2. Serious delinquency, and public record or collection filed 3. Time since delinquency is too recent or unknown 4. Lack of recent revolving account information I am trying to work to REBUILD my credit. Please help me to understand what I am doing wrong and why my credit history still reflects these statements and lenders will not afford me an opportunity to even work with me to refinance my mortgage.
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

False statement or representation of debt Per violation, this is computer generated signature, XXXX no original signature ), there is no legal contract on file with original signature. Contract cancelled with XXXX XXXX & National credit adjusters Collections. ( see attachment**************** )
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I tried to make a XXXX payment to a phone number, had to download the app, which I do NOT like to do, but I did. Three times CHASE bank rejected it then they suspended my online banking. 
Wrote you, got a call from someone the next day named XXXX, who said he would fix it as my car doesnt run, I am a XXXX senior with no transportation and have been looking for my Social Security card for months before this, still have not found it. But I have the number memorized. 

So XXXX sd he would call me back today, nope. Then I called CHASE again today, finally got thru to the 'internet department ', she gave me the same story as originally, bring in two IDs. SS card even if I found it is not supposed to be used as ID btw by Federal law. Lady today sd bring in two forms of ID, that was that. CHASE sucks, 'we value our customers ', what a joke. My Calif ID is expired bc my car does not work and covid has interfered with me getting it fixed, and ID renewed. I begged them to accept bills with my name on it when I spoke to XXXX but this woman today was abrupt and refused to open my online account, suspended for 'suspicious activity ', WHAT susp. activity? Downloading their app and being rejected by them?? 

Online banking is more accurate with CHASE, I can see exactly what is pending etc. I want access to it back, I use a laptop. 

Thank you so much!!
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (WV)

I have been receiving several calls from this number for several months. The calls are random and have to consistency. They sent me a letter in XXXX with an account number and their phone number. They claim to be a debt collection agency through XXXX XXXX. They called me today, XXXX XX/XX/2018 asking for payment of the debt. I told them I'm disputing the claim and they are to contact XXXX about the debt. I told them they sounded fraudulent and they said I can call XXXX myself and talk about the authenticity. I did such, and they are not associated with that phone number. I did have a debt with them, which I paid through XXXX personally.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I kindly request the removal of this inaccurate account from my credit report, as it is not linked to me and I did not consent to its establishment. I have attached the necessary documentation to support my position.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

Chase keeps denying my credit increase request when my payment history is sound. They denied my credit when I had a good score and denied it when I had a bad score. Speaking with someone there at Chase said something to the effect that they use " judgmental lending '' meaning it is arbitrary. They claim to use my credit score/report but this is a smokescreen. 

I tried to contact the cowards at Chase but the person who responded to my last complaint always goes to voicemail.
Consumer complaint received 2022-11-02
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$350.00} ; DEPT OF ED/XXXX XXXX XXXX : {$450.00}
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage Resources, LLC (CA)

My and I husband contacted a lender we had both used in the past regarding the process for a pre-approval. The lender sent us a list of documents they'd need to get started with an application. The lender did not yet send an application or any forms to fill out. My husband sent them a few of the documents on the last. I was shocked then to have a hard inquiry on my credit report. I had not been informed that they planned to pull my credit and had NOT authorized my credit to be pulled. Only my husband was applying for a mortgage and there was no need to pull my credit. They should have informed me and gotten my approval first. I expressed concern and the reply was that their one hard inquiry wasn't a big deal. I asked them to file whatever documents necessary to undue their not-approved hard pull and they ignored me.
Consumer complaint received 2020-11-08
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I disputed a few accounts with ChexSystems on my letter dated XX/XX/2020, and which they received certified mail on XX/XX/2020. I have NOT heard any response from ChexSystems, yet they continue to report the disputed items. 

In addition, I requested pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) and FCRA 611 ( a ) ( 7 ), that you provided to me, which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I have NOT received any description of procedure. ChexSystems is now in violation of the FCRA under these two counts I have mentioned above. 

I demand all disputed accounts be immediately deleted from my consumer file.
Consumer complaint received 2023-03-14
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2020-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The company has yet to provide me with documentation that they never sold the vehicle or if they did sell it, they never sent papers about how much. They have different amounts on each one of my credit reports. They keeping it from high to low to high.
Consumer complaint received 2020-11-08
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2020-11-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

The date it all started was XX/XX/2017. Amount in question is {$13000.00}. It all started when Specialized Loan Servicing LLC ( SLS ), volunteered and paid {$13.00}, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, in a disputed matter I had with them. Afterwards SLS placed the amount into my escrow account and increased my mortgage to {$1300.00} from the {$330.00} per month, I have a modification through the Home Affordable Modification Program ( HAMP ). I have tried to work it out with them, but have reached the end with them starting foreclosure. I never signed any loan agreement for the amount in dispute. I have not missed a mortgage payment in over 13 years prior to this matter happening.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

Diversified Adjustment Service sent a letter to me dated XX/XX/2018 claiming I owed a cell phone bill from XXXX. I promptly contacted " DAS '' and told them I did not know what they are talking about. The debt was added to my credit report without my knowledge anyway. I then sent two certified and Notarized letters to " DAS ''. One was a section 609 letter the other was a section 605 letter asking to verify the debt. Their company could not verify the debt so it was removed before 30 days had lapsed. However, XX/XX/XXXX of this month " DAS '' added the debt again without any notices no correspondence what so ever. I contacted " DAS '' directly to let the company know that they violated the FCRA by not contacting me and not verifying the debt. I spoke to two representatives and verify myself and they both said I owed the debt they wouldn't listen to anything I had to say they both were very rude one going by the name XXXX. I then contacted XXXX to file a complaint with the company the company claimed they didn't know who I was. I have all correspondence that was sent to " DAS ''.
Consumer complaint received 2020-11-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX  XXXX MD XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I have been informed that there is negative information reported by ( XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ) in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$5200.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with { XXXX XXXX XXXX XXXX  } and provide me with copies of any documentation associated with this account, bearing my signature, in the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} 1. ) Defamation Negligent Enablement of identity Fraud Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX P.S. Please be aware that dependent upon your response I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX