davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

Myself and My Wife are very confused at the way CHASE BANK is handling our mortgage transfer to another servicer. We recently received a letter from Chase stating that we should not send any more payments to them that they no longer service our mortgage, which we have no issues with what so ever. the thing that we have lost sleep over and confused us is the fact that the letter is signed by a XXXX XXXX and it says we will receive instructions from XXXX XXXX but it also says we will be sending future payments to XXXX XXXX at another entity when the same XXXX XXXX signed the letter attesting to the fact that he is clearly an employee of Chase a managing director, where the letter says not to direct any payments to. So my wife asked how is he working at both banks isn't that a conflict of interest. Which bank does he actually work for? and how isn't this the most confusing mixed message ever?
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
Consumer complaint received 2018-07-05
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 had a mortgage loan with XXXX ( Account number XXXX ) The first delinquency on this loan was in XX/XX/XXXX. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/XXXX. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file inXX/XX/XXXXdue to federal obsolescence guidelines. I disputed it and it remained.
Consumer complaint received 2018-07-05
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: National Credit Systems,Inc. (TX)

National Credit Systems is reporting a Rental Debt and it claims that I resided in the unit at the XXXX XXXX. However, despite my letter requesting Validation of the Debt, it will not send over a copy of the Rental Agreement bearing my original signature and/or any relevant document proving that I resided at the XXXX XXXX. Although the representatives are aware that no landlord-tenant existed, they refuse to remove the debt from my credit reports.
Consumer complaint received 2020-08-26
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. (OH)

Request deletion of account as information is not accurate per FCRA XXXX. XXXX this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

Experian Report This is account is being reported twice on Experian as XXXX XXXX XXXX Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

XXXX Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C. (CT)

I went to XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX  CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX  had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX  with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX   office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX   at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX XXXX XXXX  CT. Tel # 2XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX  CT. This attorney seemed to XXXX XXXX  from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the XXXX XXXX XXXX. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX XXXX XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my XXXX XXXX XXXX that was XXXX XXXX. As soon as the XXXX  wore off the XXXX   was hurting, and it was XXXX. I used XXXX XXXX to fix the XXXX  and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney Howard Lee Schiff P.C that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX.

Sincerely Yours XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

These past weeks we have moved forward on the closing of my short sale but the second lender SPS has lied and upheld the deal in many ways. On Thursday XXXX our firm called three different times to confirm that we would get out HUD approval and extension approval so we cloud close today XXXX. We were told Friday we would get them by end of the day, then both on Monday and Tuesday had a total number of 7 different calls with 7 different representatives all saying different things. We were lied to many times and it held up the deal. Parties have already paid out money for this deal to close. XXXX XXXX XXXX is battling XXXX and recently lost his mother. SPS has held this deal in limbo for almost three years and now as we are this close to close they hold up and jeopardize the deal.
Consumer complaint received 2018-06-23
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. (MO)

I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I received income on XX/XX/XXXX and then used that income to a payment of {$4000.00} to a man named XXXX XXXX for some landscaping and small construction work on my property. Following that they gave XXXX a ton of complications so he fully convinced me he needed my info to verify his account, that is what we did and they they fully banned his account so then he was no longer willing to do the job until the funds were released in XXXX. I then submitted a request for my money back through Venmo as I didn't find that fair but then Venmo just ended up banning me too after using the app for several years. I earned that money through a job and then was going to use it as soon as I could for a desired and planned job and build, this has now all fallen through and now I am out all of my money until XXXX when he is willing to do the job, and my Venmo account that I frequently use.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/21 Seven identical transactions from my mortgage company XXXX/XXXX. XXXX of the amount {$700.00} were withdrawn from my account resulting in a negative balance of {$1400.00}. This is my primary and only checking account. I currently have XXXX cash readily available for me to take care of daily needs. I contacted Chase Bank at XXXX but was told the Claims department was closed and for me to contact my mortgage company. I contacted my mortgage company at once they opened and was advised that they were aware and that Chase made the request to numerous customers accounts. Hours later still in the negative with no communication from Chase or XXXX XXXX.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (TX)

IRS deposited my stimulius check on XX/XX/20 it is now XX/XX/20 and it hasn't even showed up in my account. I have no way to get ahold of anyone and am left broke and relying on that money.
Consumer complaint received 2017-08-01
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. (IL)

My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.
Consumer complaint received 2018-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX XXXX XXXX XXXX is in complete violation of the CFDPA, FCRA, HIPAA, They have listed seven alleged debt accounts on my credit reports which I have no firsthand knowledge of and no contract in existence proving the alleged debt reported is legally valid. No request for the services this organization provides was ever requested by me. They prepared negative and inaccurate information to credit reporting agencies. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPAA. I notified them twice via certified mail in regards to the accuracy of the information ; however, they have continued to report inaccurate information on my credit report and send me bills. The dispute letters I sent dated XX/XX/2018 using the address they provided to the credit bureaus were returned as No such number, unable to forward ( returned envelope and receipts attached ). This is evident that they reported inaccurate information to the credit bureaus regarding their address. I resent dispute letters dated XX/XX/2018 ( attached ) and they never responded, as I did not receive the signed certified mail receipt back nor were the packet returned to me. 
I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to receive credit, my reputation, as well as an invasion of my privacy. I am requesting that since they have not responded and can not provide indisputable proof bearing my signature of the alleged debts, that all the accounts be removed from all three credit report and that this collection agency cease and desist from trying to collect from me.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services (MS)

I signed up with United Credit Education Services in XXXX XXXX, with the expectation of removing items from Credit Report. I have been with this company for five months and paid {$630.00} and the terms of the contract has not been fulfilled. Today, my credit repair agent, XXXX XXXX stated that she was discontinuing my service because she did not like the fact that I was asking questions about the process, although the company took withdrew another {$89.00} out of my bank account last week. 

Before I contact an attorney, I would like a refund of the {$630.00} that I have submitted to this company.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Last XXXX I've sent disputes to credit bureaus about the issue that my account was fraudulently used without my permission. I was so stressed over the months now I got a low credit score!. I need help to solve this issue.
Consumer complaint received 2020-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CT)

I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a painter ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using Zelle XXXX After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

XXXX can not refund the Zelle transactions as I authorized them myself. 

Zelle can not assist me because I use their service through the chase mobile app. 
XXXX does not insure the deposited check because it was a credit to my account.
Consumer complaint received 2017-08-01
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. (OH)

I was contacted by mail by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX That they had interest in purchasing my XXXX XXXX from my lease and to look at the new specials they had on vehicles. I went in on XXXX/XXXX/17 because they needed to give me an estimate on my car before estimating what payments would be on a new vehicle. This visit was ONLY for estimate purposes. I never supplied my SSN or filled out any application, nor indicated I would be purchasing a new vehicle. I suspect they had an old application of mine on file ( I 've leased XXXX vehicles from them ) and ran my credit report without my knowledge. I was notified my Equifax report was pulled on XXXX/XXXX/17. I contacted the sales consultant on XXXX/XXXX/17 to address the issue. He promptly responded that they did not pull my credit report and that I may be scammed. I replied that it came directly from Equifax. He said he would ask his finance manager and I never heard back after that.
Consumer complaint received 2018-07-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Acceptance Corp (CA)

That they remove this account. Every month adding more onto the balance since XX/XX/XXXX. In XX/XX/XXXX they served me with papers to sue me at my home address at XXXXXXXX XXXX It was not even a real summons. Fake paper work.I tried to work with them .They insist on the full amount. {$3500.00} the amount changes every month to a higher amount. They have my account like it is in collection set up like im making payments. This is a charged off account In XX/XX/XXXX or the amount of {$2700.00}. 

I have disputed it with XXXX File # XXXX Merchant acceptence is the original company for the XXXX XXXX. Now they say they dont sale their debt. They are acting like their own collection agency. But it is the same company. 
They have 2 different address XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2022-09-14
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: ERC (TX)

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Enhanced Recovery Co L and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Consumer complaint received 2021-04-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a car from a dealership that was a lemon. I returned the car made all the payments and Capital One still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.
Consumer complaint received 2021-02-21
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: EQUIFAX, INC. (FL)

I have filed a dispute with the Identity Theft Gov concerning these accounts. I have emailed and sent Letters/ Called EQUIFAX XXXX XXXX XXXX And XXXX regarding these accounts and can not get the help removing them ...