davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander re-aging dates of accounts after disputes filed with credit bureaus. XXXXXXXX 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 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I am tired and sick of Chase and Chase Executive office who keep playing games with my modification application. As of XX/XX/XXXX I was forced to re apply all over again since Chase told me that my application for loan modification was never reviewed. 


I re apply for the loan modification and now they are telling me that my application was removed for modification because the underwriter called me directly on XX/XX/XXXX and I refuse to accept the trial payment agreement. 

Now Chase is refusing to return my call, I called today and I was told the point of contact XXXX XXXX p. XXXX ext XXXX Manager XXXX XXXX are out of the office on vacation and they will not return my call until 1 month from now. 

There is also an executive office representative assigned XXXX phone number XXXX who is not in the office and doesn't have any information about my case. 

This is unacceptable since Chase has been playing games with my home since 2 years ago. It is convenient for Chase to keep playing games because my mortgage is adjustable and negative payment. 

Which it makes senses now that Chase keeps playing games with my home and keeps delaying my loan modification application. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (IL)

I am a XXXX XXXX XXXX teacher and have been in the process to purchase a home since early XXXX. I was cleared to close Monday XX/XX/XXXX with caliber home loans. While I was at the closing table the lender found out that I just went on XXXX leave and wants to deny my loan. I have had multiple letters written by my supervisor and human resources stating my pay and that I will be paid at 100 % during my leave. I feel as if everything was fine I was at the closing table and as soon as they found out I had a baby they wanted more documents and pay stubs. I send in the documents and it doesn't seem to be enough. I am now waiting until I am paid again on XX/XX/XXXX to hopefully close then. My lease it up XX/XX/XXXX. So I will now have to move in 1 day with a XXXX week old XXXX XXXX. I feel as if I am being punished for having a child and I am experiencing a lot of stress making sure we will have a home next month.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I received a email that a account with TD bank had opened with my name and email with the account number ending in # XXXX. I called them and close the account. However this isnt the first time this has happen with TD bank this is unacceptable and I feel like its one of the bankers that stole my SSN and name and email because of my Target Credit Card which is a TD bank backed credit card
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (PA)

I had a card with XXXX XXXXXXXX XXXX XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Consumer complaint received 2021-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have a loan with Credit Acceptance. I am supposed to pay XXXX every two weeks but since the Pandemic I have been paying it monthly {$270.00}. I lost my job and my home so I do my very best to keep my car. I have my bank statements showing I paid and I am not in the rears and these people call me 5 times a day even after I submitted documentation for them to see. They are harassing me when in fact I am waiting on them to check the information that I submitted. I am submitting my phone records to show how XXXX  this is. 

Thank you
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.
Consumer complaint received 2021-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I sent investigation back in XX/XX/2020. Recently last month, no sign of investigation nor information given. Everything has been tracked and showing in receipt. Per XXXX XXXX XXXX these debts I was never notified in 5 days. Im not aware of these debts and very unfair for XXXX to say I owe a debt thats NOT correct. I didnt get into contract with this company and I always pay ALL my debts. Also per XXXX XXXX XXXX, multiple violations have been committed. I have not got any information from the credit bureaus and have submitted investigations yet no information given and its been over the allotted timeframe per Fair Credit Reporting Act.
Consumer complaint received 2021-02-04
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. (VA)

I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX I have never done business with these companies.
Consumer complaint received 2021-02-04
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: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX XXXX  did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data
Consumer complaint received 2022-04-30
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: ALLY FINANCIAL INC. (TX)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I have asked for proof of that this is my debt they have not provided, they have garnished my wages. 
I have provided them proof I was a victim of id theft & disputed as them told me to do. 
Their finding was that there records is accurate. They still dnt provide me proof that its my debt this seems very criminal. This is in violation of my right according to the Fair debt act.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CA)

I visited XXXX XXXX XXXX XXXX in XXXX XXXX California for an XXXX XXXX I used my military health insurance plan to pay the services. I later received a bill 6 months after that visit stating I owed XXXX dollars. I called the office and paid the bill over the phone. Not even 2 months later they had a collection item on my credit for XXXX dollars. I have called and called and have not gotten them to delete this off of my credit. I understand the amount is XXXX but it shows under collections.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NY)

Tried to make payment and they would not accept payment. Keep calling. Sending emails and last one said they were going to report me to all 3 credit bureaus even after I tried to make a payment and it would not accept it. Days it's delinquent and it's not. XXXX and it's bank Synchrony. My payment isn't due until the XXXX of XXXX and I have been getting threats for 2 weeks ... And harassed for 2 weeks. This is awful. I'm contacting an attorney. 
I want you to help me. And XXXX has chosen not to credit my account for the pressure cooker I didn't receive. That was supposed be taken off my account months ago and it's still there. 
Thank you.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc (MI)

Disputed the debt with JJMarshall on XX/XX/2021 and received a letter on XX/XX/2021 stating that my dispute was lacking facts or info to conduct an investigation but the company requested that the account be reported with the CRAs as disputed
Consumer complaint received 2018-02-09
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: EQUIFAX, INC. (GA)

This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.
Consumer complaint received 2019-08-24
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. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section XXXX05B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had a credit card with XXXX XXXX XXXX in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

AROU F XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I received a copy of my Transunion credit report today XXXX XX/XX/XXXX ) and found 7 inquiries listed that I don't recognize. I spoke to the customer service representatives and asked that these be removed from my credit report. The customer service representative refused to remove them from my report and suggested I go to the Transunion web site for their policy. The representative refused my request and would not help in taking care of my request. I am writing to you to help me this matter as I will like I may be a victim of some type of credit fraud. 

List of inquiries : On 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 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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 XXXXAccount name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Monday XX/XX/XXXX I went through the atm to deposit {$830.00} cash into my account. The atm machine said there was a problem counting some of the bills so I hit cancel. The machine closed and didn't give me my cash a receipt or credit my account. I then filed a dispute. I'm highly upset this has taken this long for them to investigate and return my money. After multiple calls back and forth to the XXXX number and the bank branch. One of the tellers even said well our machine is only serviced Monday, Wednesday and Friday we cant just call them out the fee is high. So now we are here and its Friday the problem still not fixed and i call again to the branch and the XXXX number. The branch teller says we know the atm is off we cant deposit the money and tells me to contact the General Manager which I did and I'm waiting for a call back. This has been unreal the last of urgency when that is someone's money. I have asked for paperwork that we have signed stating it is ok and we understand it can take however long for this to be fixed. From a customer service stand point this has been the worst experience we have ever had this institution is does not take the customers best interest in to account. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX Huntington Account number XXXX Dispute Reference Number XXXX /
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MI)

Collection account created XX/XX/XXXX for {$150.00} cleaning fee associated with a previous rental. 
Account paid in full on XX/XX/XXXX. 
I have been on a land contract and thus unaware of this account status. 
Collection account still shows as open and unpaid as of XX/XX/XXXX. 
I am back in the market to rent and have paid three {$35.00} fees and one {$40.00} application fee. All which otherwise were accepted ( verbally confirmed by property managers ) but the Collection account appearing as open caused me to lose money and prospective rental agreements. 
I have contacted the Collection agency and was met with nothing more than an apology and request to update the credit bureau, but this does not help. This has caused unnecessary issues as I am having trouble relocating for something that was handled years ago.
Consumer complaint received 2021-11-10
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. (GA)

Equifax is reporting in accurate information on my credit report Ive called to get the in correct information deleted the inquiries below are fraudulent. 

XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 2021
Consumer complaint received 2021-06-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collins Asset Group, LLC (NY)

I made contact with Collins Asset group regarding a collection on my credit report for a car the was voluntarily repossessed. I made a payment arraignment with this agency to pay down my debt, {$100.00} a month, with the understanding that they report my account is in repayment. The company continually reported the account in collections. I had filed a dispute against the report. I sent emails at the latest on XX/XX/XXXX no longer disputing this account. The company still reported that I am disputing the account. I have spoken to all three credit bureaus and they do not have a dispute on file, except when Collins reports the dispute, it triggers a dispute with the credit bureaus. Collins refuses to change the account to a repayment status, remove the dispute, or report it in adherence to the FCRA. I have spoken to XXXX the Operations Manager at Collins and was told flat out they would not put the account in repayment and nor remove any of the dispute wording being erroneously reported to the credit bureaus. I have emailed this company many times for documentation and have received no correspondence.
Consumer complaint received 2021-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Greetings I sent am email on XX/XX/2021 asking why my mortgage rate was going up again. It goes up every year. I didn't get an reply. But, before this I was getting calls to refinance and I said no. and then I was constantly getting harassed by this number XXXX. And He also text me XXXX XXXX to refinance. And when I wouldn't response I got an letter. A letter about my mortgage going up, because, they said, my taxes and Homes insurances went up. They also said, my home Insurance wasn't paid. However, my taxes didn't go up and even if it did, I don't pay taxes. I am not understanding this. Why have an escrow account if its always empty. I can pay my own homeowners insurance each year. Because they are terrible at this. However I thought I could paid the balance due at the end of the year, if I was short. This sounds fishy. I also emailed XXXX XXXX on XX/XX/XXXX at XXXX. XXXX XXXX XXXX. I didn't get an reply. 

XXXX XXXX