davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XX/XX/2023
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I was emailed an approval from DEO ON XX/XX/XXXX. I was approved for {$4800.00} in past due payments for my mortgage company Shellpoint. I was told that on XX/XX/XXXX the payment was mailed. It has been 5 months and the payment hasnt posted. I emailed Shellpoint and called them on XX/XX/XXXX advising that the payment never posted. I called HAF AND EMAILed to file a complaint on XX/XX/XXXX to file a missing payment complaint. I still havent received a resolve from Shellpoint, Homeowners assistance fund, DEO, or Horne. No one has been able to locate where or what happened toissing past due payment.
Consumer complaint received 2019-03-07
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: SYNCHRONY FINANCIAL (FL)

I currently owe {$6700.00} on my Wal-Mart MasterCard Credit Card and for sometime already I have been struggling to make ends meet and catch up with past due amounts. To date I have not received any options or program offers to assist me with getting back on track and clear any negative status.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the three credit bureaus, for example on XX/XX/XXXX XXXX report Data Unavailable, XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  Equifax report account on time on months XXXX, XXXX and XXXX when XXXX and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Hello, In XXXX, I had my home raised above the FEMA guidelines in order to lower my XXXX Insurance costs ..., During this period in time, my house note was increased because of the insurance company increasing my coverage in the following : In XXXX, my insurance went from {$530.00} yr. to {$2000.00} yr. 
In XXXX, my insurance went from {$2000.00} yr, to XXXX yr. 
In XXXX, my insurance went from {$4000.00} yr. to {$6000.00} yr. 
And in XXXX, it went from {$6000.00} to {$8000.00} yr... 

The insurance company 's name now is called XXXX ..., It went through several names before it came to this name... 

In the process of raising my home, I had to get a survey, and a elevation certificate which I presented ..., They proclaimed that I should take it up with the insurance co. meanwhile, my insurance was being escrowed, which reflected the increase in my monthly mortgage...
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (CT)

On XXXX, I transferred {$2000.00} from my peoples United bank checking account to my XXXX XXXX bank checking account and {$500.00} from my peoples United bank checking account to my XXXX XXXX checking account. The money was withdrawn from my peoples ( now m & t ) account but never arrived at the other banks. Ive sent messages on the portal, went into the XXXX XXXX location and refuted the fund transfer, wrote an email to the office of the president. I was told it would have a resolution today and someone would call me. I received no phone call and the $ $ still has not been put back into my account
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NY)

Received a debt to collect letter for cellular services from a provider that I do not have a contract nor receive services from for the amount of {$980.00}. 

Submitted a previous claim ( claim # XXXX ) that contains inaccurate company 's response. Proof of signature was not received for services and notification of debt was not received back in XX/XX/XXXX1.
Consumer complaint received 2022-03-31
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: Maximus Federal Services, Inc. (LA)

On XX/XX/XXXX, I mailed a certified letter to Navient regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from Navient in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and 2 in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
Consumer complaint received 2018-02-07
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. (TX)

XXXX XXXX Reported XX/XX/XXXX 111 % Balance : {$7200.00} / {$6500.00} inquires are not mine none XXXX XXXX XXXX  Reported XX/XX/XXXX 64 % Balance : {$6300.00} / {$10000.00} inquiry details XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-06-06
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. (ND)

On XX/XX/XXXX I sent Transunion a signed, certified letter requesting them to send me verifiable proof ( an original consumer contract with my signature on it ) on four seperate accounts.

On XX/XX/XXXX I received a letter from Transunion showing investigation results. Three out of the four accounts where deleted and the last one ( amount {$46000.00} ) came back as " verified and updated '' which is illegal according to the FCRA An account can not be verified without providing me with an original consumer contract with my signature on it according to the FCRA. In other words, Transunion left an unverified account ( amount {$46000.00} ) on my credit report.

I sent another signed, certified letter to Transunion on XX/XX/XXXX requesting them to verify the unverified account ( amount {$46000.00} ). On XX/XX/XXXX Transunion send me another letter with investigation results " verified and updated '' without providing me with an original consumer contract with my signature on it which is illegal according to the FCRA.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

Santander has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I received a bill from my XXXX credit card charging several purchases from the XXXX XXXX with a total of {$5400.00}. I did not make any of these purchases, and explained the fraud to XXXX, and closed my account with them. On XX/XX/XXXX, I went to Chase bank and then discovered that {$6500.00} was taken out my Chase account without notifying me, and that the money went towards the same XXXX bill from the fraud purchases from the XXXX XXXX. I informed Chase, closed my account, and notified the police. The police report said that the items were purchased with the XXXX card and money from my chase account was taken out to pay it off, and shipped to an address in XXXX, and they are still investigating it. XXXX has yet to refund me back my money, and told me that they need a statement from Chase confirming that there was fraud. Chase, however, refused to give me the proof even though I have contacted them multiple times all year since then, and because of this, I still have not got my money back.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Southwest Business Corporation (CO)

SWBC Mortgage - South West Business Corportation ... 
I interviewed several Lenders and informed them of my ultimate goal is to purchase a new home in XXXX, CO & need a lender that is willing to use income from my Rental properties. 
XXXX XXXX with SWBC said ; We can use Income from Rental Properties to assist with LTV and we will have all your information & documentation in our system as we move along in the process. But first, let 's start with Refinancing one of the properties. They approved me for a 75 % LTV w several stipulations, I met the stipulations but their system was not accepting them, so they had to reduce the approval to 70 % LTV. I asked what it would take to get qualified at 75 % and XXXX said ; I would need to increase my base pay to $ XXXX month. I informed him that I 'm having an annual review & expecting a substantial raise in XXXX and will contact him then to re-submit my loan. 
I received an excellent review and increase in pay to $ XXXX. I sent XXXX and copied the General Manager ; XXXX XXXX. This is the email I received from XXXX : " We are now using a new computer system and it 's been too long so we would basically need to start from scratch. We would need all new documents, appraisal, etc. 
I do n't have the capacity at this time to handle the new business so I 'm going to have to pass '' This is so 'UNPROFESSIONAL ''!! ... and wasted ALOT of my Time and Energy. 
So I contacted XXXX the General Manager to let her know how unprofessional this was and asked if she could refer me to another Originator and she started to point out all of the issues and challenges they had with the loan! ... .and when I started to tell her : I had NO idea there were issues or challenges, she started to get defensive and making false accusations at me ... I quickly realized from the reaction of the GM that I was being Profiled & Rejected due to Prejudice.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern, I XXXX XXXX sent my father {$550.00} 2 times through XXXX via mobile number XXXX From Chase to his Bank ( XXXX XXXX XXXX ). My father received confirmation XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX that my account will be credited but he never received the money. Called Chase said money went to the matching name and phone number and kept giving me a run around, transferring me from person to person as no one knew what to say or do. I have spend many many hours off work to try to handle this and still hasn't been resolved. It is a lot of money to me and I hope and pray you guys can assist in getting my money back. It has been 2 months of stress and I feel as I will be loosing that {$1100.00}. 

thanks, XXXX XXXX.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022, I ordered 9 pairs of XXXX XXXX 's XXXX  for {$56.00}. I never received my package. XXXX XXXX and XXXX claimed the package was delivered on XX/XX/2022 at XXXX. My house is the 2nd one on the left on a dead-end street ; any incoming/outgoing traffic all have to go pass my house. I reviewed my XXXX XXXX for that day, it shows XXXX truck drove past my house at XXXX into the subdivision and drove past again leaving the subdivision at XXXX. The truck driver never entered my long driveway. The package was not delivered at my house. The delivery photo showing on XXXX tracking is not my house. I provided photos of my front door and the XXXX print-outs clearly showing XXXX drove past my house and never entered my driveway to deliver the package. XXXX XXXX told me to file dispute. Bank of America denied my claim saying it was delivered. The problem is they delivered it to the wrong house.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021
Consumer complaint received 2018-02-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (NC)

To whom it may concern I sent in a debt validation letter on XX/XX/18 to both XXXX  and XXXX  and they are still reporting these items of Dept of education/Nelnet which doesn't belong to me at all..This is affecting my credit score terribly. I plan to purchase a home this year and I will never be a homeowner at this point with inaccurate information on my credit reports..According to the FCRA rules, FCRA 823 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation and my original dispute of inaccurate information that does not belong to me. I did not sign for anything, This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to  validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.
Consumer complaint received 2022-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I have been paying every month since 2011. It was supposed to be 120 payments. My interest rate is variable and right now 9.25 %. For years I have been paying {$15.00} more than the minimum due, and have instructed that amount go to principal. It often changes and goes towards the next bill due. I have alos made several large payments of thousands of dollars. It started at {$13000.00} and I somehow STILL owe over {$4000.00}. It just doesnt move. I understand how loans accrue interest. I don't understand how I have not paid this off in 11 years though.
Consumer complaint received 2022-12-14
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)

I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under 15U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX