davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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: United Resource Systems, Inc (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I XXXX XXXX have inherit my mother 's home and I am in a present process of a Probate process in which I need more time to get a final approval of the court, My lender included me as the XXXX XXXX XXXX XXXX but needed a Grant Deed under my name which I needed to get a Probate. I have been in a great difficulty to pay my mortgage payments due to hardship, first my mother XXXX XXXX decease and I was placed into financial, emotional stress, XXXX and medical problems for several months, my only income my XXXX funds and was counting with extra income from my roommates but suddently the stopped helping to pay my mortgage because they lost their jobs due to Covid-19 .and had to go thru evictions that I was not able to file because tenants had Moratorium to stop paying rent due to Covid but finally they left my house in XXXX XXXX I finally have started to rent again to be able to get back in my feet. I am just asking for more time to get my Probate finalized and able to request for a Modification, I need help from my Lender and any Institution that can be able to help me with my situation. I have no where to go and I hoping to be able to get a Moratorium extension on my case. Please help me
Consumer complaint received 2022-01-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KS)

I applied for a refinance on my home as they pressured me into refinancing with a quote they have on record. The appraiser they chose appraised the value of 1/2 of what they have listed. Quicken denied my refinance and raised my payments by approx. {$50.00} a month. What can I do?
Consumer complaint received 2021-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

XXXX XXXX XXXX XXXX is attempting to collect on a Federal Student Loan and has garnished my wages. Despite the implementation of the CAREs act and a freeze on student loans per the Dept of Education. XXXX claims that they are exempt from the CARES Act passed XX/XX/2020 And with Bidens EO. They have refused to remove the garnishment, and they claim they are exempt from Federal Law and New York State Law and will not remove the garnishment or reimburse me funds that they are attempting to collect. I spoke with multiple managers, and there was no equitable outcome. I have paid off nearly 90 % of the value of the loan and the loan was suspended per Federal Law in XXXX 2020 during the Covid Crisis. The company claims they are only servicing the loan and will not work out a solution nor pull back the Garnishment to comply with Federal law. 

https : //www.consumerfinance.gov/coronavirus/student-loans/
Consumer complaint received 2019-08-12
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. (AL)

I attempted to contact XXXX and Transunion to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( XXXX and Transunion ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on XXXX  twice ) XXXX XXXX - Balance {$390.00} ( Transunion ) XXXX XXXX - Balance {$1300.00} ( XXXX ) XXXX XXXX - Balance {$0.00} ( Transunion ) XXXX XXXX - Balance {$300.00} ( Transunion ) I also submitted a FTC Fraud Affidavit to XXXX  and Transunion.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE FARM BANK, FSB (PA)

VERY BAD PEOPLE 'S PHONE XXXX CALLED XXXX/XXXX/XXXX TOOK {$850.00} FROM STATE FARM CREDIT CARD 1 THEY SAID ( XXXX ) THEY WERE GOING OUT OF BUSINESS WANTED TO REFUND TO ME MY MONEY {$400.00} 2 TOOK OVER MY COMPUTER TO GIVE FINAL CLEANING 3 NEXT WANTED CREDIT CARD INFO TO CREDIT ACCOUNT {$400.00} 4 THEY SAID CARD WOULD NOT TAKE HAD TO GO TO BANK ACCOUNT TO RETURN {$400.00}. 
5 WHILE WE WERE DOING THAT THE TOOK {$850.00} FROM MY STATE FARM ACCOUNT 6 IN THE MEANTIME THE SHOWED ME THAT THEY PUT INTO MY ACCOUNT ( BANK ACCOUNT {$600.00} ) THEN THEY TOLD ME TO GIVE THEM BACK {$500.00} SO THAT I COULD GET BACK MY {$400.00} I SAID NO JUST PUT EVERYTHING BACK AS IT WAS HE THEN TOOK ALL OF MY MONEY FROM ALL OF MY BANK ACCOUNTS AND THAT IF I WANTED IT BACK TO GO TO XXXX XXXX AND BUY {$400.00} WORTH OF GIFT CARDS I SAID NO HE THEN SAID I WAS A MOTHER XXXX AND THAT HE WAS KEEPING MY MONIES AND HE WAS TO FREEZE MY COMPUTER. I SAID DO WHAT YOU HAVE TO DO I HUNG UP AND UNPLUGGED MY COMPUTER. 

8 I CALLED STATE FARM CANCELLED MY CREDIT CARD 9 I FIGURED OUT THAT THE MONIES WENT THROUGH XXXX XXXX I THE CALLED XXXX XXXX THEY COULD NOT STOP THE TRANS ACTION BUT THEY GAVE ME A REFERENCE NUMBER ( CASE NO ) XXXX TO GIVE TO THE STATE POLICE AND STATE FARM. I DID SO. 

10 WHEN THE MONIES POSTED I CALLED STATE FARM TO MAKE A DISPUTE XXXX/XXXX/XXXX XXXX XXXX NUMBER IS XXXX # XXXX THERE TRANS ACTION NUMBER
Consumer complaint received 2021-02-02
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: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX, I was notified by Chase of a possible fraud charge on my Chase Freedom Unlimited credit card for {$300.00} at XXXX XXXX XXXX XXXX. When I checked my account, I found that charge as well multiple other charges that I had not made that day and the day before ( all are listed below ) : {$100.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$120.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$300.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$1700.00} XXXX # XXXX ( XX/XX/2020 ) I called Chase and reported these charges as fraud. I told them that these charges were made in XXXX XXXX, Illinois while I was in XXXX, XXXX ( of which I have substantial proof ). Not to mention, I have never been to those stores in my life, let alone on that day. They removed the charges, cancelled my card, and sent me a new one. 

However, they then put all the charges back on my account. When I called to ask why, they said that they had determined that the charges had been made in-person with my chip card, and thus were valid charges. However, that is impossible I was never not in possession of my chip card and was in XXXX, XXXX at the time of the purchases ( as other in-person charges on the very same card on that very same day show ). 

I have now gone through three rounds of escalating investigations to no avail. They have told me there is nothing further I can do besides file a police report and attempt to gain access to XXXX XXXX and XXXX XXXX XXXX security footage, which seems unlikely, though I will try. 

Their latest excuse is that they send me two credit cards back in XXXX, and are claiming that one of them must be the card used to make these purchases, even if I had the other in my possession. However, this is also impossible. I have never been in possession of two cards. When I applied for this particular credit card in XXXX, it never arrived in the mail so I requested a replacement. So even if they did indeed send me two cards, the first one should have been cancelled when I told them it never came and asked for the replacement. So it would be unable to make purchases even under the unlikely circumstance that it was somehow found and used seven months later.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

The simplest way to describe what happened is to upload the letters we sent to Key bank describing our frustration and dissatisfaction. Their XXXX client relations executive ( XXXX XXXX. - he wouldn't give us his last name ), sent us the attached letter saying our accounts ( 5 of them XXXX would be closed on XX/XX/XXXX ( just 6 business days from now XXXX. His failure to deescalate the situation will result in our having to switch to a new bank and has no regard for our vendors and more importantly our XXXX employees who will have issues with their checks. 
Are Federally chartered banks able to disrupt commerce this way? 
Because our accounts were compromised in XXXX, at the banks request, we were told to open new accounts for which we spent {$1000.00} on new checks etc. Now they want to close the accounts - I want that money from them!
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (OR)

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting SANTANDER CONSUMER USA Opened XX/XX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2019-08-12
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. (CA)

My complaint is against Transunion credit bureau. They first received notice to remove XXXX XXXX Bank account # XXXX, open : XXXX, status : Closed {$0.00}. Due to the fact that the mentioned account has fraudulent activity. They did removed account like all 3 credit bureaus did but out of the nowhere they reported back the mentioned account, violation of the FCRA. Im attaching letter sent back in XX/XX/, copy of the Federal Trade Commission Report they received and also the 2 reports, 1 without account and the other with account. Please remove this fraudulent account as soon as possible from my Transunion report. Thank you!
Consumer complaint received 2019-11-15
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. (SC)

Transunion has me reported for a bankruptcy. 

They are required to confirm it IS me and confirm my complete SS number ( not just some of my ss #. Many, Many others have my parts of my ss #. 

Transunion is REQUIRED to confirm it is me with my FULL SS #. 

I would also like to know who they claim is reporting this to them. I contacted the bankruptcy court and have been informed that the court does not report or provide information to credit bureaus or agencies. In my letter I have blocked some of the letter ( I.e clerk 's name, non important sentences ). 

I have been working on this for almost 18 months!!!
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Navient Solutions, LLC. (IL)

I had been claiming both Economic and Education Forbearance during my time with Navient. As of XX/XX/2018 I paid a settlement with them for my education and the continue to keep a delinquent status on my credit bureaus, even after I had provided both documents with a notarized bank settlement and school records for when I was in school claiming my forbearance. They have multiple times have denied me access to find a representative to explain to me who to speak with, and in XXXX I found out they had an Advocacy center to handle the problem, in which I provided the documentation to them. My credit bureaus have sent me emails that stated that they have disputed the negative items and they are just not working with the. I as a consumer have not been treated fairly and I need action.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with XXXX twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
XXXX did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.
Consumer complaint received 2021-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My partner and I launched our XXXX in late XX/XX/XXXXand by XX/XX/XXXXwe hit a point in our growth where we needed to sink everything we could into our marketing, business development, and operations to support our scaling strategy. What that meant was that for about 18 months, from early XX/XX/XXXXto mid-XX/XX/XXXX, my partner and I ended up taking distributions out of the business that equated to about 50 %  of our monthly personal expenses. Most of the remaining expenses ended up being floated on credit cards. 

Around mid-XXXX, I reached out to CapitalOne on multiple occasions to proactively see if there was a program I could take advantage of where I could establish a reasonable payment schedule so I could pay down my balances. At that point, the business seemed to be going in the right direction and our cashflow woes looked like they would ease up. I was told multiple times that I had to let my payments lapse for 120+ days in order to qualify for any sort of program. So I let that happen as their associates had recommended. That turned out to be a huge mistake. Because life also happened during the course of that time. My business was starting to pick up, which was good, but my mother-in-law lost her 3rd and final bout with XXXX a week after we saw her for the last time over Thanksgiving, and that hit us all pretty hard. 

CapitalOne associates also failed to inform me that going beyond 180 days would result in a charge off. They also failed to notify me that this was about to occur. I inadvertently let my bill payment lapse beyond 180 days which put me in this charge-off situation. Even though I was able to qualify for a payment plan ( and I have been reliably making every single agreed-upon payment since ), CapitalOne account status to charge-off and keeps reporting that to the credit reporting agencies as a charge-off, every single month, even though I have been making my agreed-upon payments. As a result, this situation has had a tremendously negative impact on my credit score. 

The charge-off status on my credit report does not accurately reflect the situation. I have spent the last 6 months trying to get CapitalOne to acquiesce and even offered to pay off the complete balance in return for removing these inaccurate and derogatory marks on my credit report and they have unequivocally refused to do so. 

While I place no blame on anyone but myself in amassing the debt I amassed and had challenges paying off, CapitalOne agents advised me to go down a path which I went down, didn't explain to me that it could lead to where it's led, and now take no responsibility for the part they played.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX # 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 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (GA)

I tried to fix my payment options with GENESIS FS CARD SERVICES, but they just keep on sending me back payment slips saying my payments are effective payment instruments. I am sending this complaint to resolve this issue and get my credit report cleared of all GENESIS FS CARD SERVICES residue.
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

My loans were initially with XXXX but switched to Aidvantage. My beginning balance was around {$11000.00}. I made a {$1000.00} payment in XX/XX/2022. It was taken from my bank account. In XX/XX/2022, I made another {$1000.00} payment which also cleared my bank and was initially posted to my AidVantage account bringing my balance down to {$10000.00}. I called and spoke with an employee on XX/XX/2022 at about XXXX. He noted that I did make a XXXX payment ( so the balance should be {$9000.00} ) but for some reason, it was not posting to my account. He had me upload my bank statement to their system showing that the amount cleared my bank. I did explain on the phone call that it looked like my statement still carried my maiden name plus my husbands name. He said this was not a problem. I completed this. He said it would take a few days to post. Today, XX/XX/2022, I checked my account. Not only have they NOT posted my XXXX payment, but they restored (? ) my XXXX payment and the balance is {$11000.00} again. Additionally, in my documents folder, the documents I have uploaded are now erased. This is beyond lazy and appears fraudulent at this point. It is causing stress having to constantly check my account.
Consumer complaint received 2022-04-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc (IN)

I contacted that the company that stated that i owed over {$800.00} for a company name blusoft I told them that I am unaware of this debt but yet i would still like to resolve it financially, the collection agency started who says i owe them stated that i owe over {$1100.00} for the a debt that was {$800.00} he continues to insults me by telling me that i won't be able to purchase anything because of this dept.