davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
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. (NY)

I was amazed when I viewed my Equifax, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Consumer complaint received 2024-02-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Closed Business Account from Consumer Report/Victim of Identity theft Account : XXXX XXXX I am Victim of fraud. My Information has been sold to the dark web. FTC reported and attached someone has been fraudulently using my identity I Have been trying to contact Transunion regarding fraudulent however I have been unsuccessful reaching them by phone. 

I am writing to formally request the removal of a closed business account from my consumer report ( XXXX ), as permitted by the regulations outlined in the Fair Credit Reporting Act, specifically 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, and 15 U.S.C. 6805. The SBA closed account in question and does not pertain to my personal credit history but rather belongs to a business entity. Both does not belong to me. 

As such, its inclusion in my consumer report is inaccurate and misleading. Per the aforementioned statutes, it is imperative that consumer reports accurately reflect an individual 's credit history, and the inclusion of irrelevant business accounts violates this principle. I kindly request that you promptly investigate this matter and take the necessary steps to remove the aforementioned closed business account from my consumer report. Please provide confirmation of this action once it has been completed. Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I made a wire transfer with Chase bank to send money to a business asscoiate in XXXX. The important business asociate never received the funds. After three call and over a week of waiting while the customer continued to check for the funds availability. I cancel the wire transfer and requested a refund. I was told chase would try to get my funds back. 
This is totalt unreasonable and I have been waiting eight days and am now not getting any answers from Chase. 
Chase never was able to make the funds available to the business associate. I requested on many occasion any form or verification that the funds were available. They never were! 
Chase after many days never completed the wire transfer and this was confirmed by my business asociate and his bank and now they are making excuses and not replacing my funds causing problems for my business. 
XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (FL)

I am still having a difficult time with one main financial. They are bleeding me dry with too high of the intrest on my vehicle and when I asked for hardship and to lower my intrest rate they refuse too. Also I have complained here before to CFPB about them calling my job and I sent them an email and they still call my job while I have asked them several times. I have proof from an email I sent to them and also the last time I filed the complaint on this site. Why cant this company do the right thing and stop ripping people off : I have read numerous complaints besides myself. I also noticed they increased my term for almost 6 years paying XXXX a month for 6 years thats giving them XXXX, XXXX on what was owed of XXXX. This is a total ripe off and our government needs to take action. I only owed at the time I came to them only XXXX and I took out and refi to XXXX and they are legally taken advantage of people badly. This needs to go public and if the cfpb doesnt want to help they need to go as well.
Consumer complaint received 2020-11-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.
Consumer complaint received 2017-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (OK)

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. 

I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to Experian, trying to get my Experian credit file cleaned and fixed. On the other hand, I have submitted those documents to Experian regarding a particular account called : XXXX XXXX XXXX XXXX. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. Experian removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to Experian, which is incorrect. I am highly upset because Experian is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against Experian for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of COVID-19, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian Credit File. Also, this is the only credit bureau this fraudulent account is listed on.
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A lady named XXXX XXXX called and said I had a case against me and told me that they would take me to court even gave me a case number at the end of the call, told me they were going to call my job and talk to my supervisor about my inability to pay, called my parents and told them about my finical irresponsibility and " wished me good luck '' because someone would come and find me soon. Feel really threatened, like I feel like not only am I a criminal, but made me feel like someone was going to come beat me up and ruin my life.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2020 my purse along with my Bank of America debit and credit card was stolen. {$2000.00} was stolen off of the debit card via them adding the stolen card to there XXXX account and sending themselves or someone else the money. Bank of America received the claim and the police report of the items being stolen and still denied my claim twice saying they wont reopen it or reimburse my money.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I signed up for a Citigold checking account with the promotion of XXXX XXXX XXXX points after you spent {$1000.00} on the debt card and completed a online bill pay for XXXX consecutive months. 

I completed all requirements and had a representative from Citi confirm this via online chat that the points would be credited no later then XXXX/XXXX/16 " I have attached the conversation ''. 

I have reached out to Citi and they informed me a case/investigation would be opened and I would receive a response in XXXX business days. I have yet to receive any communication regarding this and it has been much longer then XXXX business days, at least XXXX weeks.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MD)

XXXX  ( Report # XXXX ) RE : JPMCB Card # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information. 

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to 680.
Consumer complaint received 2020-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

LATE FEE 'S Hi, I been having trouble with XXXX XXXX XXXX trying to make me pay late fee 's, almost {$700.00} of fee 's. My loan got transfer from XXXX to SN Servicing Corp in XXXX. XXXX sent out a letter to me in regards to this transfer and included the address of SN Servicing Corp to mail my payments. 
SN Servicing Corp never mail me any type of information at all until XXXX of XXXX stating I was one month behind my mortgage payment. Got records from my bank and showed prove of payment they accused of not paying. They cleared the error. 

Them out of nowhere they say I own almost {$700.00} of late fee 's due to my grace period being the XXXX of every month. They have no records or prove or a signature from me that I agreed to these changes. Before SN Servicing Corp took over, XXXX grace period was the XXXX of every month. Now I found out that when they sell or do a transfer the company taking over the payments are not allow to change any terms or conditions from the mortgage instruments. 

I been taking to XXXX since XXXX of XXXX. I have fax/emailed her information with prove in black and white statements from XXXX stating in fine print payment received after the XXXX will cause a late fee. Not even with that information she is not working with me. 
XXXX has all information I emailed and fax to her.
Consumer complaint received 2023-03-24
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}
Consumer complaint received 2020-07-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX XXXX I made a payment to Kohls for {$170.00} I spoke to a representative, and she insured that she would take it from the card on file. I received email confirmation of the payment. A week later i received a noticed saying my payment was 30 days late resulting in my credit dropping XXXX points. 

I have been severly affected my XXXX by losing my child. I have submitted 4 disputes with the company, as well as with the credit bureau. I was refunded the late fees but they refused to report the item as not being 30 days late. I asked if a goodwill letter could be extended as a courtesy to remove the late payment due to employment reasons. I advised the supervisor of me relocating, and being affected with XXXX and losing a family member. He said since i tried to pay it then he cant do anything. The agent also stated there isn't anything he could do and disconnected the line.
Consumer complaint received 2020-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I have been experiencing several issues with Freedom Mortgage, who acquired my loan when it was sold by my previous company. When I went over to Freedom Mortgage on XX/XX/2020, my COVID forbearance plan was set to start on XX/XX/XXXX as well. I was contacted by a loan advisor, XXXX XXXX, who advised that they can lower my mortgage payment by refinancing. I advised him that I was on the forbearance plan and he advised that we can still refinance as long as we continue to pay our mortgage on time ( by the XXXX ) for XXXX and XXXX and we will not have to pay XXXX as that will be the month that we close. He advised that he will remove us from the forbearance plan and proceed with the refinance. Since XXXX I have left several messages and requested several return calls, and he has yet to return my call. 

The whole process has been plagued with issues and I have had to contact this company several times in an effort to assist with the process. I was contacted by someone today who advised that I am still on the forbearance plan. I was advised that I was never taken off of the plan and was now two months in. This whole time I have been making my monthly mortgage payment. I was told that I had lost 2 months and they could not credit me back. I was disconnected from the initial call after being on the phone for 30 minutes with the forbearance unit. I called back and was on with a customer service representative named XXXX for and hour and twenty minutes. we had approximately 6 minutes of talk time and the rest of the time was spent on hold as she conferenced with her supervisor, who refused my escalation request. While waiting on hold, I was then transferred to another representative without warning or notification. 

I no longer know what to do. I can not deal with this company anymore. There business practices appear dishonest. From the time that this ordeal started in XXXX I have spoken with over 25 different representatives. I have reported their practices in the past but it seems like I continue to be brushed off. I have read similar experiences by others, but it appears that the government, although reading our experiences are not taking any actions to assist us consumers with anything. People are already out here struggling with financial issues related to COVID-19 and it appears that this company is attempting to monopolize off of the struggles of Americans, under the guise of offering relief and assistance.
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (GA)

I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (OH)

On XX/XX/2021 I sent Second round Sub LLC a debt validation letter. They received the letter on XX/XX/21. On XX/XX/21 they sent me a buckle bill. On XX/XX/21 I sent a failure to validate letter and they received it on XX/XX/21. They are still suing me and reporting a debt damaging my character.I emailed XXXX XXXX at XXXX XXXX to try to resolve the matter for XXXX $ but I noted that this is not me acknowledging or accepting the debt.
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XXXX XXXX, 2019 I cancelled a transaction on Paypal and authorized a refund. On the same day, Paypal received {$580.00} from me. All of this is confirmed in Paypal 's own records. Paypal never sent the refund, and kept the money instead. I have spent more than a year trying to get Paypal to deal with this. I have spent over a year with Paypal stalling, ignoring, insulting and lying to me. They always claim ignorance and claim they can't find anything in the records about it, until I show them Paypal 's own records which confirm everything I have said. Then the wild lies start. They claim a wide variety of conflicting things, including a claim that Paypal actually has " secret '' records which are the true records, and the records provided to the customers are all false. My personal favorite lie was when the Paypal representative said they hadn't sent the refund because the person to receive the refund has " insufficient funds '' in his account ... huh? How much does he have to have in his account to receive money from me?? And the representative still didn't seem to think Paypal would need to return the money to me in that case. The point is : Paypal will take your money, and keep it. And then refuse to return it ... no matter how much proof there is.
Consumer complaint received 2018-06-14
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. (TX)

XXXX XXXX XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XXXX XXXX XXXX has single handily kept me from getting into a new home! Please help