davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information? According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

please help me consumer financial protection bureau, it is now 3 years asking Chase home finance to help me avoid foreclosure and all they keep doing is playing games with my home. the last application submitted for a short sale was at the beginning of the year and it took them 8 months for them to review my application and tell me that I was denied for a short sale because they can not verify my identity. I asked chase what information they are requesting from me to verify my identity, they never call me back to tell me whats needed. now they have placed a foreclosure sale date on my home and I am very scared and I do n't want to loose my home. please help me.
Consumer complaint received 2020-10-22
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. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a payment status of 90 days late, XXXX is reporting no late payments and XXXX is not reporting this account. XXXX XXXX XXXX : TransUnion is reporting a payment status of 30 days late, XXXX is reporting a status of 30 days late, XXXX is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/2019, XXXX  and XXXX are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX. 

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed. 

Account Number : XXXX Account Number : XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Fraudulent reporting by a company called XXXX XXXX on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.
Consumer complaint received 2022-09-14
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-05-23
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: KEYCORP (NY)

On XX/XX/21, I was charged {$520.00} with my credit card through Keybank for staying at the XXXX XXXX in XXXX XXXX, Ohio. I was not happy with the room therefore I didn't even stay there. I also was not happy because the staff were not wearing their masks.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

From XX/XX/2019 through the present, I have been receiving communication from USAA Credit Card Services in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), this includes when sending out statements. Any debt collector communicating with any person shall not state the consumer owes any debt.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 three transactions were made on my card which I did not make. 
1. XXXX - {$19.00} 2. XXXX - {$1.00} 3. XXXX - {$970.00} When I saw these transactions, I immediately called the bank and reported the problem. The operator told me that the money was most likely stolen and blocked my card and reissued a new one.

Since the money was stolen from my card, the operator redirected me to another department working with this problem. After about three hours of waiting, the operator reported that there were no free people and asked me to call back next time.

I went to the bank office, but I was told there that they did not understand this problem and told me to call the support service.

More than three weeks have passed and I still can't reach the bank, I am constantly switched to another department, I wait 2-3 hours for an answer and the call is reset.

It is no longer possible to do this every day.

This money comes from unemployment, I have XXXX  children and this money is very important for us. I still can not understand why the bank treats its clients like this.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

Security Credit Service Orginal creditor : XXXX XXXX : BALANCE {$2600.00} XXXX XXXX XXXX ; Orginal Creditor : XXXX : Balance {$250.00} I am victim of identity theft, the information listed above, which appears on my credit report, does not not relate to any transactions that I have made. it is a result of identity theft. I did open another FRAUD INVESTIGATON CLAIM with XXXX, XXXX and XXXX for immeditlay removal. Addtional to that, all three credit bureaus has a previous police report on file and idenity theft report from previous fraud collections that was on my credit reports once before. ( please protect my identiy )
Consumer complaint received 2020-11-21
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: EQUIFAX, INC. (GA)

I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XXXX XXXX, 2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (GA)

Loan modification letter of XXXX stated deferred principal of XXXX. Letter from Wells Fargo dated XXXX stated deferred interest of {$60000.00}. Now wells wants to charge that as additional fee I have to pay for foreclosure. Wells knew I had over {$500000.00} equity in house and refused to give me 30 days for a private sale and keep my equity. Continuance denied on XXXX. Foreclosed on XXXX. I sent wells a copy of appraisal done by XXXX XXXX stating replacement value of house was {$1.00} XXXX. Only owed Wells {$550000.00} so wells knew they would never lose money letting me do a private sale to retain my equity. After foreclosure, wells charging attorney fees and deferred interest of $ XXXX. Home sold in foreclosure for $ XXXX, owed wells $ XXXX should equal excess equity to me of $ XXXX. Wells attorney mentioned net payout to me around $ XXXX, for a total loss in equity to me of {$1.00} XXXX minus mortgage owed of {$550.00}, equals an equity loss to me of {$770000.00}. So wells XXXX  me out of my equity by refusing to let me have foreclosure continuance and retain maximum equity, then XXXX  me again by adding fictitious charge of deferred interest of {$60000.00} to foreclosure expenses. Thanks for your help. I have wells documents to show you also.
Consumer complaint received 2019-10-31
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. (IA)

I was billed XXXX at XXXX per for car washes that i did not authorize. I did in fact use this card for single XXXX car wash. I have never enlisted in the promotion offered by XXXX XXXX XXXX XXXX. I have never signed nor verbally authorized this contract by XXXX XXXX. Chase manhattan maintains that by my using this card for the single car wash that allows them to assess a charge against my card monthly. I call that theft. I am a snowbird to XXXX in the winter four to five months. I have been charged XXXX dollars per month when i wasnt even in the state of XXXX. I was in XXXX. How can this be right? Because a merchant has my credit card information they can bill me for anything they choose?
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I tried to pay off my student loans through Navient. I went through a 3rd party called XXXX and they told me that they would help me pay XXXX $ a month within 5 months to pay off my loans.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

GM Financial unfairly and improperly submitted late and/or delinquent reports to the credit agencies. I made every lease payment on time or early. I had a perfect payment record. The problem came after the lease ended. GM Financial charged me {$33.00} after the lease ( for unknown reasons ), and I never received a notice of the charge. I had signed up for paperless billing and notifications, but I did not receive any notice, either electronic or by regular mail. 

The first notice I received regarding the " late '' payment was from my credit monitoring service, which let me know that my credit score had changed. Meanwhile, GM Financial had been reporting me for the " late '' payment notwithstanding the lack of notice or any attempt whatsoever to contact me, a loyal leaseholder for 3 years. My credit score has now gone from XXXX to XXXX, solely due to GM Financial 's unfair reporting. 

I have called, messaged, and texted with GM Financial to no avail the call center is not staffed appropriately, the chat help center is incompetent, and the text message service does not respond appropriately. I have also written a letter to GM Financial.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (IL)

I requested an additional credit card on my ExxonMobil Citibank account. I never received the card in the mail. Between XX/XX/19 and XX/XX/19, XXXX unauthorized charges totaling {$800.00} were made to the card. I was never alerted to this fraud until I received my statement on XX/XX/19, at which time I contacted the card issuer. I was told that I would not be responsible for the charges since the card was never in my possession. I called again on XX/XX/19 to check one the status of the issuer 's investigation and was again assured that I would not be responsible for the charges. Thereafter, on XX/XX/19, I received a letter from the card issuer dated XX/XX/19 stating that I was responsible for the charges, despited the card issuers assurances that I was not, because I purportedly did not provide the amount of the charges. This is untrue. I called a final and third time on XX/XX/19 and listed all 16 fraudulent charges, including the dates and amounts. Notwithstanding my best efforts, Citibank has failed to credit my card for the {$800.00} and associated interest. I am attaching the statement showing the charges ( see " Card XXXX '' ). The last person I spoke to was XXXX whose employee ID number is XXXX. She too refused to resolve this issue, stating it was not her department, then disconnected the call without permission.
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (GA)

Frontline Asset continues to call various family members of mine trying to reach me regarding some debt that I do not owe. I have been a victim of identity theft. I have had to freeze credit bureaus, place fraud alerts on my credit, and the list goes on to protect my credit. I am not verify any information or giving them information about me that is fraudulent. I am needing them to close this account, cease calling family members and friends about an erroneous debt that I do not owe. I have already contacted an attorney about this matter as well to see what can be done. I am needing them to cease all communication efforts as well and again, close the account immediately. I am not providing a Drivers License or anything. I am attaching the police report showing fraudulent activity. That is it.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

On XX/XX/2019, I was charged {$6900.00} by a company called XXXX XXXX in a village called XXXX on the island of XXXX. We were traveling in XXXX but were nowhere near this island. Citicard says that it was a point of sale transaction but this is impossible. I recieved nothing from this company and had no knowledge of this company until I saw it on my billing statement. I contacted Citicard and stated that this charge was not one I was familiar with. They looked into it and then said that because I did not state that it was fraudulent that there was nothing they could do. I should not have to pay this charge, I never made It. Citicard also states that their policy is that consumers will not be liable for fraudulent charges. Citicard cancelled my card and issued a new one. The card # on the next page is my new card # for this account.
Consumer complaint received 2020-11-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXX. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-22
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: Resurgent Capital Services L.P. (MD)

Since 2018, I have sent numerous letters, emails, contacted collection agency directly. 
What happened ; I was notified by several institutions of credit and security breaches : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

My complaint is regarding a collection agency LVNV that is causing me harm due to collections in my credit report. My score is 23 points lower. 
I in writing clearly explained to the collection agency and requested a contract signed by me re : these debts. 

I have been damaged/harmed by their actions during the Covid Pandemic! I have been denied access to needed assistance due to  these collections, that are erroneous. This is a malicious collection agency and I am researching resources with the Attorney Generals office as well. I kindly requested complete removal of these collections on countless occasions! I asked them kindly to please remove them, as we are in unprecedented times and all resources are needed.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Portfolio Recovery Associates in excess of 90 days.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine COLLECTIONS 01 XXXX XXXX XXXX XXXX {$840.00} not mine 11 XXXX XXXX XXXX XXXX {$0.00} not mine
Consumer complaint received 2019-10-31
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)

OnXX/XX/2019IcheckmycreditreportandnoticesomeonehadstolenmyIdentityandopencreditcardaccountsandcarsinmyname.IfiledapolicereportandaFTCreport.Iamjustwouldliketogetmynamebackandhavethecreditreportingcompaniestopleasedeletetheitemsformmycreditreport.

Thankyou
Consumer complaint received 2020-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: AAA Auto Title Loans, LLC (AZ)

I have been a customer at Cash 1 for many years. I have paid off loans with them, paid numerous payments on time. When I ask why my credit line never gets extended to a higher limit they alway tell me me its computer based and never had a satisfying explanation. This is what has happen my mom has a XXXX  XXXX  XXXX. She owes XXXX on her car, she pays her payments every month as I do. In fact mind comes directly from my employer. And its always double the minimum payment. My car is worth more than my mom 's but they seem to always increase her line of credit and not mine. To me this makes no sense. In fact I earn about XXXX to a XXXX dollars more than she does as well. Im looking for answers in there lending practices. It clearly unfair practices.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$0.00}