davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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. (ME)

Had credit card with XXXX (XXXX) XXXX.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, XXXX is reporting to Experian that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with Experian in which XXXX declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to XXXX.  I was told to contact XXXX directly to fix credit reporting error. I spoke with XXXX from XXXX and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.
Consumer complaint received 2018-10-03
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. (MO)

I have contacted TransUnion on 3 separate occasions to let them know that I was a victim of identity theft. There have been taxes fraudulently filed in my name, mortgages applied for from other states in my name and when I retrieve my credit file I have these inquires that line up with this and TransUnion is refusing to remove them. I get alerts that my information is on the dark web and I have had to put a lock on everything and really pay attention to the breaches that I have been victim of without even knowing it.
Consumer complaint received 2020-11-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
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, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-11-24
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: 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 {$18000.00}. 
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, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2022-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NC)

On XXXX the XXXX, 2022, I purchased a king mattress set a dresser, rug, and washer and dryer from XXXX XXXX, XXXX, NC. American First Finance has predatory lending practices. My credit report has a charge of {$11000.00}. There is no way that little bit of stuff cost that much. The store did not explain to me that that if it wasn't paid i would be charged {$12000.00} for that stuff because if they did I would not have purchased it. That is an astronomical amount to take from a XXXX veteran. I called the American Finance Company and discussed it and told them that I will be contacting your organization and they quickly wanted to offer me a settlement. Their phone customer service said I owe {$1700.00} and my credit report says I owe $ XXXXand the website say {$1600.00}. This company is taking advantage of consumers and it is not right.
Consumer complaint received 2021-12-09
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. (CA)

I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (TX)

My received my debit card from US Bank Reliacard at the beginning of XX/XX/2020. Texas Workforce Commission was loading my unemployment payments to the debit card. I was able to use card without any problems until until sometime around XX/XX/2020. I contacted customer service with the problem as to why my funds where being held and I wasnt able to use card. They then informed me that US BANK RELIACARD needed me to send them copy of government identification so that they may verify I lived at the address that they had on file. That because I corrected an error on my part by changing a lower case letter to upper on my address i had to send in verification of the address change. When there in fact had been no address change at all just me fixing a simple error in punctuation. Problem with sending in a government ID at this time for me is that I had recently lost my id and because of the pandemic I'm not able to replace my id until months from now. Also it is not TWC that has the problem it is the debit company. My funds are issued by TWC not this Reliacard company. I have gone to great lengths to have them possibly understand my situation. I have sent them a copy of mail with name and address, a copy of the appointment I made with the local DPS, a non government ID made by a local church here. There is over XXXX  $ on my debit card and I am not able use my employment funds for my living expenses. Which had caused me to be delinquent on my rental payments. And now receiving eviction notices. Can you please help me to get funds released.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

SOMEONE USED MY SS # AND DATE OF BIRTH TO OPEN A XXXX XXXX  ACCOUNT FROM XXXX AND USED IT TO CHARGE ALMOST {$8000.00} AT A COMPANY IN XXXX.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

Filed for refund 6 weeks and 5 days ago for student loan payments made during coronavirus pandemic. Haven't seen any movement or indication the request is being processed. 

They can't offer information on if my request was processed and can't offer much help. A few calls to customer service cause more confusion and no clarification.
Consumer complaint received 2021-07-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (DE)

XXXX XXXX XXXX sent me a debit card that was fraudulent opened with all my information ... .there were no charges and they closed account on XXXX ... .account was opened XX/XX/XXXX using my name birthdate ss # and address and cell phone .... 
Chase bank also same thing someone attempted to open debit card and account with my information on XX/XX/XXXX ... account has been closed.
Consumer complaint received 2021-06-02
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)

I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX  is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send
Consumer complaint received 2021-06-02
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please check on that and remove them from all the 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NJ)

This is in reference to Citibank credit card. the debt was in the hands of XXXX XXXX XXXX before I became XXXX as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX XXXX I have a investment property at XXXX XXXX XXXX XXXX Tx. XXXX. Due to Covid 19, I could not find a tenant for my property and could not afford to pay for mortgage so I asked JP Chase Morgan to do a loan modification to a lower amount in XX/XX/XXXX. 

During the process, I was prompt to provide all the requested document to Chase. As the process took a very long time, I was worrying and ask my relationship manager, XXXX XXXX, if I will be protected. He ensured me that I would be protected for foreclosed. 

Moving forward on XX/XX/XXXX, I am informed that I got reported for a 6 month late in mortgage for the subject property. My credit was plummet XXXX points. 

I have contacted Chase numerous times and they reject responsibility. I request to talk to XXXX but he has been on vacation. 

On XX/XX/XXXX, I am informed that my modification is denied and I am forced to foreclose the house or have to pay a lump sump of {$44000.00}. I would not need assistance if I have the said amount. They also took away the deferred payment option. 

If they will reject my loan modification please do it quick so that I can come up with mean to pay. 

And if you expect a consumer to read between the line to know that during the loan modification you will report the late in payment to the credit Bureaus, please explicitly said so.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

On XX/XX/2020 I sent my final payment to pay off my mortgage to PHH Mortgage Services of XXXX. XXXX NJ XXXX. They requested an additional processing fee to pay for interest, lien release, recording fee, which I paid on time as required. The total pay off amount was {$1100.00}. However, they are still sending me statements instructing me to continue to make payments and stating that I still need to pay off that amount, even though they have taken it out of my bank account. One consumer representative told me that I would get a paid in full letter within ten days of sending the processing fee, however it has been nearly a month ago. Now I'm being told to continue making payments on the account. Why? Because they have not applied my payoff payment of {$1100.00} to my account. I am wondering if they are trying to get more money out of me, take my home away from me, or are just stupid. I have been an excellent customer and have always paid my payments on or ahead of time. If they will do the right thing, I will have paid this mortgage off 15 years early. There is no prepayment penalty on this loan.
Consumer complaint received 2020-07-24
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: SYNCHRONY FINANCIAL (CA)

I had a hard inquiry pulled by syncb/XXXX ( XXXX XXXX XXXX/ XXXX ) XX/XX/2019. I am a service member who was being forward deployed later on this month to be stationed overseas. 
I have never applied for credit from this company and I called multiple times to confirm, and the company has no records shown of me at all. 
I would like to remove this from my hard inquiries on my credit report. I have tried to handle the situation myself but it is not being taken care of at my level, I would like professional help. Thank you.
Consumer complaint received 2021-12-09
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. (CA)

XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank XXXX  a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, Experian, XXXX and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off my credit report.
Consumer complaint received 2021-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine
Consumer complaint received 2021-06-02
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: WELLS FARGO & COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine
Consumer complaint received 2021-12-08
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. (FL)

I, consumer XXXX XXXX did not consent to, authorize nor benefit from any of the following inquires. Block and remove ALL inquries from my consumer report pursuant to 15 USC 1681c-2. Block of information resulting from identity theft.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per Federal law FDCPA have a 30 day resolution. I disputed 4 bankruptcies on my TransUnion credit file, XX/XX/18, XX/XX/18, and XX/XX/18. TransUnion responded XX/XX/18, however, willfully omitted to state CUSTOMER HAS DISPUTED VALIDITY OF THIS ITEM on my credit report. As required TransUnion failed to contact bureaus on my behalf within 30 days.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP (AL)

I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to  only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX  report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I filed bankruptcy on this account years ago.. They keep trying to collect XXXX after being notified in writing and over phone that it was discharged ... I have tried to reason with co. But no luck.
Consumer complaint received 2020-01-21
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. (TX)

Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest