davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (HI)

Due to CO19 I put my home into forbearance -Flagstar did extend that to me till XXXX XXXX I can start making payments again IF they will put the past amount owed onto the BACK of the loan [ like extend the loan one year beyond its final payment date ]. BUT THEY say I have to come up with the TOTAL amount owed [ it will be over {$24000.00} ] AT ONE TIME, once the forbearance is ended. WHAT is the POINT of doing a forbearance IF I still have to come up with all the money at once. OR IF my payments INCREASE? I thought that the CO19 laws where that the amount owed would be tacked on to the end of loan?! PLEASE HELP me get them to allow this so I wont lose my home!!
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (KS)

I had a deposit come in in my fiance 's name so they closed my account saying they was returning the money to the originating bank they needed a letter of indemnity first which the other bank sent and they told them their was no funds to be refunded their is XXXX dollars to be returned ... When I called they said they sent them to the wrong email which is the email they told me to tell them to send them ... They are just giving me the run around
Consumer complaint received 2017-08-07
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. (CA)

I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.
Consumer complaint received 2020-10-21
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. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a dispute letter to all 3 bureaus asking them to dispute some unknown and unauthorized inquiries on my credit report. I sent the letters on XX/XX/XXXX. I have yet to hear from them in regards to my disputes. The credit companies are not complying with their own policies in a timely manner and I am asking for you help to get a response from the bureaus as well as deletions of inquiries in question. 

Company : Factual Data - Date of Inquiry : XX/XX/XXXX - All three bureaus Company : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX - XXXX XXXXXXXX : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX
Consumer complaint received 2022-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (GA)

In XXXX, XXXX and XXXX I cosigned for XXXX student loans for help my son complete his masters. In XXXX I went through a divorce, and in XXXX the after being in forbearance the loans became due. At the time my son had not found a position for employment with his degree and I was in school myself trying to attain an education I could use to provide for me and my XXXX children. My son was unable to make the payments and I was unable to afford the total amount of all XXXX loans ( the total is just under XXXX a month ). I have fallen behind on the payments several times and have reached out to Sallie Mae several times after repeatedly receiving harassing letters, emails and phone calls threatening me if I did not become current. I have pleaded with Sallie Mae to try and work with me but have been denied each time stating that " I do not make enough money to qualify for any of the programs they have available to reduce my payments ''. I continue to struggle doing as much as I can but it is never enough and the harassment continues. My son, has a full time position and is now married but Sallie Mae does not attempt to reach out to him since they have realized my son does not care about his credit score since he has his wife 's credit to be able to obtain whatever they may need. I on the other hand, have nobody but me. I even tried to apply to consolidate the loans with another company but was denied unless I could find a cosigner. I am not in any way trying to get out of my financial obligation, I am just trying to get Sallie Mae to work with me to get the payments where I can afford them.
Consumer complaint received 2020-10-21
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. (PA)

hello The following is the message I sent to Chase Ink for Business which will also describe my compliant about the company : " Hello, I had made a claim using one of the benefits of my chase card ( extended warranty ) and the claim was denied. 
The claim was originally for a XXXX  that was out of XXXX  warranty ( 12 month ) however as stated in the members benefits page, chase card services is suppose to cover the warranty for an additional 12 months. I had filed the claim at the 20th month period after I purchase the phone, however the reason my claim was denied by card benefits service was because they think it was still within the XXXX   warranty. 
So now I am stuck, when i first file the claim, the service agent told me that that my claim will go through as it was within the parameter of the claim. If i would have known that it would be denied, I would have just out that money toward a brand new phone. 
I have been a chase business card holder for a few years now and I have been a good customer with my spending and my payments, I would like for you as a company to honor your end of the bargain when you offer these benefits to customers or else I don't see a reason to stay. 

Thanks '' I have sent this mail to chase and no reply regarding this issue. Please help Thank you!
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (TX)

I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, Equifax and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX  # XXXX is reporting inaccurate information with Experian, XXXX, and XXXX. 

Experian is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

XXXX  is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Various and continuous threats to collect the debt during this pandemic has put me in a place where anxiety has taken over and its affecting my mental health I have been hit very hard this year and would like it to end on a good note I would not like to be threatened over a very small dad that could have been easily removed and I would like this dispute to be over
Consumer complaint received 2021-02-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2023-02-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

This is a continued problem with from my prior complaint with XXXX XXXX, today the XX/XX/XXXX XXXX says they are turning down the modification that Shellpoint sent them because XXXX page was not filled out, and are proceeding with the foreclosure. 
Shellpoint sent me the documents according to my files in XX/XX/XXXX and I returned and had them signed notarized as Shellpoint had requested me to do. There was only XXXX document that could not be signed that was the loan assumption because it had my Mom 's name on it, she is dead ( XX/XX/XXXX ) and Shellpoint knew this and yet continued to raise my Mom from the dead and then again rebury her and send things to the Estate of XXXX XXXX XXXX. 
I signed everything that I was sent and sent them back. 
So Shellpoint had lots of time to go through all the documents and see that everything was right before they sent them on to XXXX and sold the loan to XXXX sometime in XXXX, and Contact me. 
Now, comes XXXX to tell me that the XXXX missed XXXX page that he did not fill out and for that reason they are not going to honor the Shellpoint loan modification. I am waiting for these modification documents to be returned to me from XXXX, so that I can give them to my attorney. If XXXX has an issue it's not with me, they got a loan that the package should have been completed by Shellpoint, and checked off, bye Shellpoint not by me, I did not sell XXXX the loan Shellpoint did. XXXX 's argument should be with XXXX not with me, and my Modification should still be good I had no control over the documents after they are submitted to Shellpoint and sat with Shellpoint till XXXX bought the loan sometime in mid XXXX.
Consumer complaint received 2020-05-05
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. (NY)

To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them XXXX XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX XXXX Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX  XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.
Consumer complaint received 2021-07-18
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: BARCLAYS BANK DELAWARE (MI)

I received my BARCLAYS credit card bill to find out that I had charges on it that I never made, never signed for, never authorized and didn't know about. I wrote a letter to my credit card company and requested that these charges be removed and explained the situation with them. I called the credit card company as well, they told me not a problem, they will remove the charges and issue me a new card. They did exactly that and everything was fine. I then receive a notice in the mail that they contacted the merchant and was told the charges were valid. I did file a police report with the City Police Department as a crime has happened to me. I then asked them to provide me with proof of me making these charges. They declined and told me that they completed their investigation and the charges stand and I owe it. They are also charging me some crazy cash advance fees as well, in which doesn't belond on my account. I need help with this as I am not getting any help or assistance regarding this account. BARCLAYS will not work with me and have dug their feet in the ground, they will not provide me with information and/or any reasoning. I feel as though BARCLAYS isn't be accountable and personally harming me by their actions. The CFPB is suppose to be here to help consumers and protect us against things like this.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (MD)

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for  other possible violations of the law.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (MD)

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally request the immediate removal of a paid charge-off account from my credit report. As a conscientious consumer who takes pride in maintaining a favorable credit history, I am deeply concerned about the adverse impact this entry is having on my creditworthiness. 

The charge-off account in question, was settled and paid in full. Despite the settlement, the negative notation remains on my credit report, which is unjust and inaccurately represents my financial standing. This oversight is not only unfair but also damaging to my credit score and overall financial well-being.

I kindly urge you to take prompt action to rectify this matter by promptly removing the aforementioned charge-off account from my credit report. I have attached copies of relevant documentation, including proof of payment, for your reference and verification.

I understand that errors may occur in the reporting process ; however, it is imperative that such errors are rectified promptly and accurately to ensure the integrity of credit reporting systems. Failure to address this issue in a timely manner may compel me to escalate this matter to the appropriate regulatory authorities.

I appreciate your attention to this urgent matter and request confirmation of the removal of the charge-off account from my credit report once the necessary action has been taken. I am asking for your assisstance to remove these account in my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-29
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. (TN)

I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of XXXX.
Consumer complaint received 2020-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc. (GA)

I have made several attempts to have Self lending submit the agreement with a signature to me and they have failed to do so. All correspondence has been between XXXX and XX/XX/XXXX. Unless they can send the documentation with my signature, I would like the report removed from my file immediately.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc.