davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

A letter dated XX/XX/2019 stated chase services could not help me with my dispute any longer. The dispute arises from merchandise which I returned to XXXX XXXX home security via XXXX on XX/XX/2019. The credit was sent back to my account on with chase card services on XX/XX/2019 ending in XXXX. This credit has not appeared on my account number ending in XXXX. In the written communication from Chase they did NOT provide all transactions only statements without showing credits. In addition I had asked to begin civil litigation procedures on this matter yet chase did not provide me with person or location for process of service which is required on all corporate fillings in the state where I live, California. I would like to resolve this matter but the date that Chase gave me to to resolve this matter was XX/XX/XXXX without providing any justification or public law reference for their decision. The equipment was not received by XXXX XXXX until XX/XX/2019 and my chase account ending in XXXX was never credited even though XXXX XXXX  sent the refund back to Chase on XX/XX/XXXX. So I would like to understand the public laws and corporate codes that Chase is allowed to operate in the State of Califonia under this circumstance of not providing my credit, then not providing a person a location for process of service within my local jurisdiction and finally under what public law ordinance is Chase allowed to behave in this manner?
Consumer complaint received 2022-09-09
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. (IN)

XXXX XXXX has my student loans showing $ XXXX higher on their experian side. Experian site is correct. XXXX is correct. XXXX XXXX  is far from being correct! They refuse to fix!! Ive been going through this for months! They keep blaming Experian. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Experian bug time! If I was the head in Experian I would dissolve that partnership quickly!
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On my credit report it say my social security number has been compromised on the dark web and someone is use in it because I see a address that i never live at in my life which is XXXX XXXXXXXX XXXX and phone number is not correct and I dont have a bank with XXXX XXXX
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

I HAVE MADE SEVERAL ATTEMPTS TO SE ND OCWEN FINANCIAL CORPORATION  A LOAN MODIFICATION PACKET. EACH METHOD OF DELIVERY THEY CLAIM TO NOT RECIEVE THE DOCUMENTS TO COMPLETE THE LOAN MODIFICATION. AND WHEN THEY ASKED FOR ADDITIONAL INFORMATION IT IS ALMOST IMPOSSIBLE TO GET THEM ANY DOCUMENTS. IT ALMOST SEEMS AS THEY ARE TRYING TO FORCE ME INTO FORECLOSURE. I AM SENDING THEM A COMPLETED LOAN MODIFICATION PACKET TODAY AND ATTACHING THIS COMPLAINT TO THE PACKET. I WILL SEND IT CERTIFIED MAIL ON  X/XX/2017    BY WAY OF US POSTAL SERVICE AND WILL SECURE A COMFIRMATION OF DELIVERY. I HAVE FAXED DOCUMENT TO THEM, MAILED THEM CERTIFIED, AND EMAILED THEM TO THE COMPANY. THEY HAVE SUPPLIED ME WITH A LOAN CONSELOR BUT HE IS NEVER AVAILABLE FOR 2 MONTHS I HAVE NEVER SPOKEN WITH HIM AND HE NEVER RETURNS ANY OF MY CALLS ... ..
Consumer complaint received 2017-07-27
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: GREAT LAKES (TX)

Great Lakes has repeatedly Breach my Privacy by sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. I 've sent certified mail on 2 separate occasions dating XX/XX/XXXX and most recent XX/XX/XXXX opting out revoking my consent of this sharing since i never received anything from them. I 've sent Great Lakes these letters opting out of these sharing practices and yet I have n't received a respond from them. I 've called Great Lakes repeatedly trying to get answers. Great Lakes is simply a loan servicer for the Department of Education simply a debt collector. I 've included an attached these documents showing my communication with Great Lakes. I have yet to received a response. Great Lakes has yet to respond to sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this The Department of Education nor this DEBT COLLECTOR to publicly furnish nor provide my personal identifiable to any 3rd parties including Great Lakes nor the Credit reporting agencies.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I own a condominium unit in  XXXX , Illinois .I have owned it since  XXXX . Approxiamaately 9 years ago the mortage was sold  to Ocwen Mortage loan  Servicing. During that time it has been a total mess trying to deal with them. They raise the mortage whenever they want to, charge me whenever they want to. I have a speech impediament, Stuttering, so when I talk to them its always a problem. Normally its a person from a foreign country that I am talking to.I am  XXXX  years of age with serious health issues. I have  XXXX   XXXX   XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Prescribed by my doctor. I weigh  XXXX  lbs. and when I walk up the stairs at the condo, ''  XXXX  floor '',   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . There is no elevator in the building.I had to stop working because of my health! I was a   XXXX   XXXX   XXXX   for 37 years. I ca n't do that anymore. According to Ocwen, I am behind {$4300.00}. Loan #  XXXX . And the mortage is not going down! The principal balance is still at {$63000.00}. I sent them a letter explaining my situation. And they keep sending me BILLS!! The latest  is Delinquency Information.   dated  XX/XX/XXXX .
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-09-09
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. (NY)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLATINUM HOME MORTGAGE CORPORATION (SC)

Platinum Home Mortgage Corporation, PHMC, continues to charge PMI on the mortgage though the XXXX is presently at XXXX  % I've made several requests over the past 3 yrs to stop PMI. I understood PMI would be charged since the down payment was less than XXXX %. 
I have made consistent mortgage payments for the past 4 years never even late and always paying more than the required amount. 
The Homeowner 's Protection Act of XXXX and XXXX 's website states aXXXX XXXX % XXXX and a consistent record of payment the PMI is automatically removed. They are using every excuse not to stop PMI like not enough entity, requiring a XXXX for {$150.00} or a full appraisal at {$320.00}. The recent excuse is FEMA declared a high risk emergency in XX/XX/XXXX But in reviewing FEMA 's website XXXX XXXX is not on the list. Also I believe the XXXX was achieved before XX/XX/XXXX so that occurred after the loan was under XXXX % XXXX. 
I need help and want a refund of unearned monies. They also have my {$150.00} in a restricted column after agreeing to credit me placing it in the principal column. Two weeks later unbeknownst to me the credit was removed and placed in a restricted column and no BPO was done.
Consumer complaint received 2017-07-27
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: Conn's, Inc. (TX)

Conn 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to Conn 's. I 've sent Conn 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called XXXX XXXX. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. Conn 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (ID)

AFNI INC has been placed on y credit as a collection account for the amount if {$5000.00} Acct # XXXX that has been disputed and report to FTC and CFPB and police report was filed. I t was removed and it now has been report it to my XXXX  credit report, This account is fraud and im requesting it be removed from XXXX credit report. f
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX - phone was stolen at XXXX XXXX and {$390.00} was transferred out of account through XXXX by unknown party. Phone was ditched and later found. 

XX/XX/XXXX - fraud complaint filed with bank after researching what my actions should be XXXX - bank has claimed unusual activity and has frozen all my remaining money and after contacting them, closed my account. later has denied the claim.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

PROGRESSIVE MANAGEMENT S I XXXX XXXX do not have an affiliation with this company. I do not have anything signing to a binding contract with PROGRESSIVE MANAGEMENT S. They have over 8 reportings with my information on it. 

They refuse to remove this from all three agencies. I want them to send me PROOF I have a debt owed to them Show me the signed required documents that I XXXX XXXX owe them a debt If not I demand they remove all trans actions damaging my credit which is underlined in law when requested
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX To : Customer Advocate Services Team American Express XXXX XXXX XXXX, XXXX XXXX XXXX, UT CFPB Ref No : XXXX Ref : XXXX XX/XX/2019 American Express To whom it may concern : Im appreciate to your respond on XX/XX/2019. but I still dont understanding your explanation, As your advertisement : Earn {$150.00} back after you spend {$1000.00} or more in purchases with your new Card within the the the first 3 month of Card Membership, you will receive the cash back in the form of a statement credit, This is my first time to applied for American Express Cash MagnetCard , would you provide any evidence for I have broken your rules and cause to ineligible for the welcome offer? 

Sincerely XXXX XXXX
Consumer complaint received 2022-03-10
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. (IL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc. (CO)

I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today  XX/XX/2017    I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative impact to my credit.
Consumer complaint received 2022-09-09
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. (NY)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation (FL)

The Company Credit Solution Corp is acting as a debt collector for the company XXXX XXXX XXXX. The company has been reporting to all 3-credit bureaus since 2019. When I called and send letters to request information obtain information about the debt. The company is not authorized to collect on the debt. Being that this is showing as a new debt with a high balance has made it extremely difficult for me to option any fair Evalution on my credit report.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CT)

DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Consumer complaint received 2022-09-09
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Two online bill payments were paid on XX/XX/2020 with a arrival date of XX/XX/2020. After callling customer service. The two payments XXXX XXXX {$15000.00} and XXXX XXXX {$13000.00} were sent out by mail on XX/XX/2020. Due to increase traffic and issues with the U.S. mail.  The items my be delay or loss and could result in more interests and late fee being charge on credit cards I wanted to pay in full. Customer service was unable tell give me a reference on what determines whether a payment would be sent ETF or by mail. The Payment was made on the XX/XX/2020 and the arrival was date was XX/XX/2020 on the bill payment site.