davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Upstart Holdings, Inc. (NM)

I attended a presentation by XXXX XXXX on XXXX XXXX. They asked me to fill out a piece of paper they called a " credit application '', and applied for a Promissory Note in my name. I did not authorize XXXX XXXX to do this. I did not know who or what " Upstart " was. I had No paperwork of any kind or a phone number with information from Upstart. I received a direct deposit in to my personal checking account on XX/XX/XXXX. Upstart deposited this money into my account. I still had No information from Upstart. On XX/XX/XXXX, I contacted the Attorney General 's XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint against Release Consulting and Upstart. XXXX XXXX was my advisor. She contacted Upstart on or about XXXX XXXX. I did not hear any thing about this from the XXXX XXXX or Upstart until late XXXX. XXXX XXXX had retired in XXXX. In late XXXX I again contacted The Atty. XXXX XXXX, XXXX XXXX XXXX, gave me information to contact Upstart. On XXXX XXXX after contacting Upstart, after speaking with 6 Upstart employees, XXXX XXXX in their ID Theft department agreed to send me paperwork submitted by Release Consulting on me. I discovered my " loan through, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX New Jersey. I have never had any contact with these people. I also discovered XXXX XXXX originally applied for the loan in my name for, {$28000.00}.. i presently owe in excess of $ XXXX filed a ID Theft report on XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1.XXXXXXXX XXXX {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And XXXX, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX
Consumer complaint received 2020-11-12
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. (LA)

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (NM)

Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about 6-8 months ago roughly. The debt dates are also inaccurate stated the debt was XX/XX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} Collection Company : Synergetic Comm. Inc  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

We just received our new mortgage statement for XXXX. They are saying they under proposed our escrow payments for XXXX and in doing so we now owe {$4800.00}. That is a huge amount and I don't feel like I should be responsible for almost {$5000.00} because they did not quote or do their research into what our charges would be for the year. I have never missed a payment or given any trouble on my mortgage.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

On XX/XX/XXXX I applied for a cash out re-finance with Loan Depot for my 2BD/BA condo. 

After being conditionally approved and paying for an appraisal which came back successful, sending tax and income documents, I was told that Loan Depot no longer re-finances high-rise condos. 

Loan Depot had successfully helped me re-finance on the same proprety unit in XX/XX/XXXX. 

On XX/XX/XXXX - I get the following email from my Sr. Loan advisor at Load Depot " Yes at this time we are not refinancing high-rise condos. XXXX was advising that we had to decline the loan. '' I'm out {$500.00} dollars and spent 2 month sending paperwork all to have it fall on the floor due to no fault on my own. I have not been made hole and this has caused all types of anxiety and stress due my interest rate of % XXXX and qualifying for much lower rates due to my credit score and good payment history.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (GA)

I RECENLTY PULLED MY CREDIT REPORT. I HAVE A LOT OF FRAUDENT INFO ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS ARE CAUSING HARDSHIPS AND MENTAL DISTRSS FOR ME AND MY FAMILY.
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (MD)

You have violated the XXXX by denying me credit for unknown reasons after already running my credit having access to my social security and personal information and notifying me that I was pre-approved. You then denied me credit by claiming that my information could not be verified, and possibly fraud. The below is your response : " XXXX XXXX, To protect the integrity of our Verification process I will not disclose any additional details regarding our decision. Rest assured, we did complete a secondary review to ensure that our internal process was followed properly and have confirmed that we will not be moving forward with any transactions in your name. 
We wish you the best of luck in your car buying journey outside of Carvana.

Best regards Carvana Dispute Team '' I have submitted the full conversation as long as other proof that I was approved for credit. 

You also have very misleading bait and switch marketing tactics by advertising lower downpayments only to click on the vehicle and the down payment is substantially higher. This is a clear violation of 15 usc 1662 ( 2 ), this is something that CFPB and FTC has constantly addressed in their many publications on their site, please give it a look for your own ediication. 

Thank you XXXX All rights reserved.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

On XX/XX/2015 we paid XXXX XXXX XXXX credit card {$640.00} to be paid in full as we were in the process of buying a home for the first time and needed to create some credit ratio. Clearly states this for fact and a bank statement I hold my hand right now. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attorneys at law for the course of seven years have been claiming that we owe XXXX XXXX and this is not so. Also they have reported this as a default and bad debt for 7 years which is completely false. I have been a victim of identity theft most notably from the XXXX data breach to which nothing has been formally ended or recovered. The sXXXX XXXX XXXX XXXX XXXX also use Portfolio Recovery Associates LLC two attempt to claim this debt that didnt exist. I have a court docket number XXXX to where they took me to court that I didnt even know was happening because of no paperwork or being served and want to judgment on this amount. Please help me in recovering my credit files to what they should be and also I believe I am owed a sum of money for damages.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX Police report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from XXXX XXXX XXXX for a debt that was not mine from Capital One ( identity theft account ).
Consumer complaint received 2021-11-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Financial LLC (MD)

Hello, I have asked that my work number not be called by the pay day loan company Loan Till Payday. Ive asked verbally and in writing via email. They continue to call my job and cell phone daily. They are now calling my work twice a day. Their newest tactic is calling my coworkers and asking for me instead of using my extension. This is harrasment. Ive told them that I can not pay and will be filing for bankruptcy. Even after telling them this, they call my cell and work number 4 times daily.
Consumer complaint received 2018-07-13
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. (DC)

Equifax continues to report erroneous inquiries information on my credit report after I have sent them verifiable proof ( via certified mail XX/XX/18 and XX/XX/18 ) that the inquiries were not made by me. I have sent them several letters via certified mail to prove that the inquiries were mine. I have also sent them documentation proving that I was the victim of identity theft ... all to no avail.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I am writing today in regards to my account with Wells Fargo Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

There are several issues here : -Lakeview/XXXX made a mistake by only charging me $ XXXXmonth and removing taxes from my payments and not telling me. I set my rental property to my mortgage payments. Had Lakeview/XXXX not made an error and set my monthly payments accurately, I would have set my rent differently. Lakeview/XXXX should be responsible for the shortage. 
-Taxes Lakeview/XXXX did not pay in 2017 were roughly {$6000.00}. {$6000.00} is the difference they need to make up. How do my payments go from $ XXXX/month to $ XXXX/month? This does not make sense. 

Again, for the taxes that LakeviewXXXX did not pay in 2017, they should be held responsible as neither I or XXXX XXXX  told them to stop paying the taxes.
Consumer complaint received 2021-08-10
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. (NJ)

XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With Experian And XXXX Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX
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: TRUIST FINANCIAL CORPORATION (TX)

I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. XXXX and SunTrust XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

SUNTRUST XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact XXXX and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.
Consumer complaint received 2021-08-10
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. (NJ)

XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3XXXX XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And Transunion, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: Verisk Analytics Inc (NY)

In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / XXXX XXXX LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTXXXX of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I signed up for the Chase XXXX XXXX XXXX Credit Card in XX/XX/XXXX. One of the main marketing points for this card was the free anniversary night that would be rewarded on the one year anniversary of having the card. This free night was advertised that it would be good at any XXXX XXXX worldwide. 

Per their website : After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX XXXX worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. '' However, on XX/XX/XXXX I received a letter from Chase that the free anniversary night would be limited to properties under XXXX XXXX reward points starting XX/XX/XXXX. This has effectively removed over 300 properties from the program and made more hotel suspect to elimination from the program as XXXX has devalued their points/ increase rates at their hotels twice in the last year. 

I feel that Chase and XXXX have been fraudulent in their marketing practices to drive new signs ups for this card. They advertised an unrestricted free night after the first year and are now not delivering promised benefits to card holders that have signed up in the last year. I feel like they should be held accountable for this bait and switch tacit that has surely driven thousands of people to sign up for this card.
Consumer complaint received 2023-01-28
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. (TX)

I sent a letter to Remove Inaccurate Credit Information When I received a copy of my credit report and found the following items to be in error below 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

I am a person who values my credit highly and my rights as a consumer. I am very meticulous about anything related to my credit and credit in general. I monitor my credit very closely sometimes daily.On XX/XX/XXXX I logged into one of my credit monitoring accounts and noticed that my score had dropped XXXX points with no explanation. when there is a change to my credit I am alerted immediately, this day I was not. My report was showing a new collections account for {$1900.00} from '' XXXX XXXX XXXX XXXX XXXX '' that I have no knowledge of. There was also a late payment added to my XXXX report by the same company showing the collection account. To receive a late payment you have to be late/delinquent on an open account " from my knowledge ''. I have never received any communications from said company. " Radius Global Solutions ''. My Credit reports shows Radius Global Solutions LLC out of XXXX Florida placing a inquiry on my credit file in XXXX. My report shows Radius Global Solutions out of XXXX MN trying to collect the debt. I have reached out to both companies by Certified Mail with a Debt Validation letter, " Radius Global in XXXX Florida '' and " Radius Global in XXXX Minnesota ''. No response has been received. 
This is not the first time I have dealt with this kind of negligence. Last year during the first week of XXXX a different company " XXXX XXXX XXXXXXXX '' illegally reported the same account that Radius Global Is reporting now. In XXXX when XXXX XXXX XXXX reported the same account I reached out to them immediately and told them the account did not belong to me and that I would report them. XXXX XXXX XXXX  removed the account from my report. Now seven months later I am dealing with the same issue but from Radius Global Solutions this time. I have no knowledge of this debt that is being reported and would like for these companies to stop reporting this false information.