davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (TX)

I recently submitted a complaint under ID XXXX disputing the items on my credit report with Equifax. Their response to you was that they needed more time to investigate and i received a letter saying that they are refusing to investigate or re-investigate. I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX  XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX / Account # XXXX Furthermore, In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Thanks, XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian has it out for me they ding my credit weekly someone there hates me or is out to get me I have a great credit report you can check into it I have no late pays many loans paid off with no late cards up to date paid many with no balance at all and yet I can charge maybe XXXX or XXXX dollars and my credit will go down XXXX points pay them of it goes back up XXXX point Im ready to get an attorney and sue some ones XXXX off
Consumer complaint received 2022-04-05
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one.  Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-30
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: Santander Consumer USA Holdings Inc. (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Consumer complaint received 2023-02-08
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-30
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: Experian Information Solutions Inc. (AR)

On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX, Experian and XXXX in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and Experian were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX, Experian and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the XXXX bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from Experian and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
Consumer complaint received 2023-01-28
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. (TN)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX/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 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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-05
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. (NV)

It has been been past 30 days and Experian has failed to verify the incorrect information of the account XXXX XXXX XXXX XXXX. By law after 30 days you must legally remove this account per FCRA. In addition to not receiving any type of letter or email from Experian theyre reporting inaccurate and unjust information. The reason Im asking for this account to be taken off my credit report also includes Them reporting a passed due balance of XXXX dollars that has been paid in full and different dates when the account was open and last active. I have certified mail XX/XX/XXXX and XX/XX/XXXX they have not responded to either of them which has now placed the account dispute 30 days passed which legal they must remove this account from my credit file and have failed to do so.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Have not received a single accurate statement from Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

XXXX XXXX HPFC acquired my account. On XXXX first a payment of {$2500.00} was made to XXXX XXXX  XXXX, on the XXXX of the same month another payment of XXXX was made XXXX XXXX. A conversation with a representative of XXXX XXXX confirmed that all payments made in XXXX would be applied to principal. A final {$1000.00} payment was made, this time directed to HPFC, so that I could trace how payments would be handled. 

Thus begins the morass, and my deep disappointment in their organization. 

I sent this request to them last Tuesday : -- -- With this missive I want to establish without question that the initial balance on XXXX first is {$260000.00} and not {$270000.00} as listed on the first statement on record. Therefore using a periodic rate of XXXX, the accrued interest is {$460.00}. 

I would appreciate a statement of agreement on this point. If that is not possible I would like a detailed explanation. 

I look forward to your reply, and will forward other points of contention at that time. I expect an answer within the week. 
-- -- They do not honor payments intended for principal. The last statement available on line lists {$1800.00} in interest. They have only had the loan for three months. A quick estimate, multiplying the initial interest by three is {$1400.00}! 

I have tried on multiple occasions to acquire satisfaction over the phone. They assure corrections will be made, but are not.
Consumer complaint received 2020-01-20
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. (CA)

The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do not belong to me
Consumer complaint received 2018-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

OnXX/XX/XXXX I noticed an unrecognized charge of {$9500.00} on my Huntington Bank debit card made at XXXX. I immediately called Huntington Bank customer service that same day and was issued a new debit card and was told they would refund my money back, days later I received the debit card but the money still was not credited back to my account. I then proceeded to contact Huntington Bank on XX/XX/XXXXand was told it would take up to 10  business days to have the money refunded. It is now been more than 10 business days and I have not received the money that was stolen from me.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

I'm having financial hardship and I called to see If I could settle both of my debt accounts but the problem is that I'm being put to be handled on the Spanish department over the phone and I don't Speak Spanish that much to be honest, I'm guessing that they put me there because of my name which I understand the confusion but I'm not so fluent with Spanish to be honest, I understand the mistake that they made by placing me on the Spanish Department but when my husband was speaking with them he asked to be transferred to a domestic representative for some reason they keep trying to change the topic and not do our request by bringing something else up and trying to avoid our requests, at one point we had to tell the consumer service agent to take us to a local representative three times after she kept saying that she will transfer us to the Spanish department and so she tried which made my husband mad because we had been trying to contact with them for about an hour and we felt like they did not tried to cooperate with us and where just giving us excuses, that made us not want to deal with them no more, and even if they were to speak English I would not feel comfortable speaking with them. 

Also when we first called to a domestic representative we were told that my file had a Spanish code on it so only the Spanish department could access my file which is the main problem of this complain, We where also told by the Spanish representatives that that code had been already taken off but when we call a domestic representative for some reason they say that the code is still there and because of that they can't access our file and help us and I feel that they're trying to keep us on the Spanish department for some reason.
Consumer complaint received 2020-06-28
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. (MD)

I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC. (CA)

Collection USA INC Account XXXX {$4900.00} Breach of lease in AZ was caused due to domestic violence and the leasehold office allowed my ex-husband to enter my apartment without notifying me ( only on lease ). They witnessed him climbing the balcony and did not notify the authorities. The Collection Agency did not do it 's due diligence when dispute was filed. State Law ( XXXX XXXX. XXXX and XXXX )
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Chase Card Services I. The consumer and natural person, was denied credit by Chase Card Services when I applied for CHASE FREEDOM VISA PLATINUM ACCOUNT. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Chase Card Services due to the response I received.

Chase Card Services is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr
1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase Card Services If Chase Card Services fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card within 10 business days of this notice I will indeed make Chase Card Services criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

Lvnv funding is a debt collector for I believe a jewelry store that I have had no contact with for over 7 years and they still are damaging my credit. They keep renewing a old debt claim from XXXX
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through XXXX XXXX that I am not under any obligation to pay this company. This company is illegally demanding payment.
Consumer complaint received 2020-08-30
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: Sequium Asset Solutions, LLC (FL)

I had a personal account at : XXXX XXXX XXXX XXXX, FL XXXX. This personal account was closed and the company refuses to send me a return label for the equipment and final bill reflects these errors. They offer by phone to send return box for equipment but it never comes. When i call each phone rep gets an attitude and gives random addresses, with varying instructions. It took a XXXX  and attorney general complaint each and every time no resolve. My credit report needs fixed asap as well. I know the company likes billing me for old equipment at top dollar, but id prefer a return label. All this during a hurricane fema disaster that caused me to move. On the phone since an XXXX american lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please send a return label and final bill for the business account : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. Also please issue the 2 week prorate credit for the outage in XX/XX/2020 that was promised, as it still never was fixed and I got tired of arguing with the same people who are protesting like idiots.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

I was in a wreck on XXXX. In the process I was refinancing my house to consolidate my house and car. After the wreck the insurance company deemed it was totaled and paid off the amount owed. The refinance company told me since we signed paperwork they couldn't change the check and instructed me to send it in to kia motor finance and that they would be sending me that check back as a refund. So I did as I was told, and kia motor finance received the check on XXXX. They have done nothing but give me the run around for now five months about that check saying for the first 2 months they were resending the check. Then I spoke to a supervisor only to find out that the first check was still " pending ''. I asked him if that meant they never sent out the first check he said correct. Ever since then everytime I have called them they now say that the payment processing team has said it's " excluded ''. They also claim they can't tell me why it's been excluded or anything because their payment processing team didn't write anything in their notes. I have asked them If I should just go ahead and get a lawyer involved in the past and they said " sure go ahead and get one '' as if it was nothing. My refinance company says that the matter is out of their hands because kia motor finance cashed the check and has never heard of a company not willing to send back the money that wasn't theirs and instructed me to contact my senator ( to which I did and was told they don't handle matters like this ) and to contact consumerfinance.gov
Consumer complaint received 2018-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I previously tried to remove my bank account to my PayPal account because of overdraft fees that had occurred from billing payments i didn't request. When I tried I received an error message saying this is unavailable right now. It happened again yesterday where they tried to charge that account twice and I incurred {$30.00} overdraft fee each instance. When I called PayPal to get my bank account removes the lady informed me that she could easily do that for me and that that happens a lot when people try to remove their Account online. I requested that PayPal cover my overdraft fees since my bank wont refunds it.