davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. 
As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax XXXX and XXXX have violated my rights by using in accurate and inconsistent information across the 3 bureaus. From dates open to incorrect balances nothing is making sense, and I am asking that all accounts be deleted .According to the consumer financial protection bureau and by law the fair credit act 15 U.S.C . Sec. 1681i ( a ). That if you can't provide proof and if the information is inaccurate, these accounts must be deleted.
Consumer complaint received 2022-09-06
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: Advanced Resolution Services Inc. (PA)

This company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. Mr.Cooper transfer this account to another company RightPath as of XXXX XXXXDuring that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. Mr.Cooper has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. Mr.Cooper is/was no longer my service provider and has reported my account being 120 days late!
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. There is a public Record that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) TransUnion assumed this role and my direct written instruction/permission was never given. TransUnion is in violation of my Right to Privacy according to 15 USC 1681 4. TransUnion did not exercise its grave responsibility, was unfair and was partial. Furthermore, TransUnion did not have a permissible purpose under 1681 b 2. I never instructed TransUnion to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding account deleted from my report and file. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted.
Consumer complaint received 2023-04-18
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX/XXXX  XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX Balance : {$1200.00}.
Consumer complaint received 2022-10-06
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. (NC)

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED IN THIS REPORT IS INFORMATION THAT I HAVE NO RELATION TO, which violated FCRA LAW 609e and 605b. UNDER THESE LAWS THIS INFORMATION MUST BE PREMANENTLY DELETED FROM MY CREDIT REPORT WITHIN 4 business days. I HAVE CONTACTED MY ATTORNEY WHO WILL FOLLOW UP WITH EACH AGENCY WHO IS REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT. UNDER FCRA 609a, these companies have failed to provide me with any original signed documentation stating that i owe a debt to any of these creditors or allowed them to run my credit report. Please handle this matter in a promp manner as i will be following up. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT INVOLVING EACH AGENCY REPORTING FALSE INFORMATION XXXX I have attached my ftc report as well as identity documents
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WA)

DEAR CFPB, I HAVE FILED SEVERAL COMPLAINTS DIRECTLY WITH CHASE, AND THEY REFUSE TO DO ANYTHING. I HAVE A CHARGE ON MY CC, AND NO SERVICES NOR PRODUCTS WERE RECEIVED. THEY ARE REFUSING TO HELP ME WITH THIS MATTER, I EVEN HAVE A WITNESS WHO WAS AT THE SAME EVENT, THEY EVEN TIRED TO CHARGE MY CARD AFTER I BLOCKED IT AFTER THE INITIAL CHARGE. THE COMPANY DOING THE CHARGE IS XXXX.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MD)

This is the second time someone put XXXX different credit cards in my name. I contact most of the creditors and also put on a fraud alert and disputed each item, but only one or two was remove. 

This all started when I was a part of XXXX data credit breach years back and never stopped. Please help me get these fraudulent credit cards off all 3 of my credit reports.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had a Capital One Credit card acct # XXXX The card was stolen and used without my permission while I was in the hospital I reported the Fraud on XX/XX/2018 As a result of the Fraud Capital One closed my Credit card As my right, I am requesting the complete UNREDACTED investigation file and any other information Capital One used or referenced as reasons to close my account. Per my right under the Fair Credit Billing Right Act & ECOA. 
If for any reason Capital One attempts to refuse this report it will be clear they are doing so to protect themselves of wrong doing. It is a long established fact innocent people or entities do NOT hide facts.
Consumer complaint received 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Entered into a loan forgivness program with navient andthey did notinform at the timei needed to renew the program every year. So now itshows on my credit report 90 to 110 days late.
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (MI)

Went to XXXX and took out a student loan. I just found out they took out XXXX loans on me. How do I fix this. It is not fair for me to try to pay XXXX loans when I only took out XXXX. I 've called the school and Nelnet but no one wants to help me. I called a lawyer and he sent me to you. Please help me.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (NM)

I fell behind XXXX car payments with Chase Auto Finance on my 2011 XXXX XXXX due to temporary hardship. I was forced to authorize automatic payments from my checking account in order to show my efforts. 

As a scheduled payment was attempted, I realized that my bank rejected the request due to non-sufficient funds to cover the full payment of {$320.00} ( approximate ). I immediately contacted Chase to stop ALL checks from going to my bank and set up weekly payments until I 'm current on my loan. 

The agent advised that NO OTHER PAYMENTS would be requested understanding that the most recent request was being rejected. She advised my account would be noted regarding WEEKLY payments to bring my account current. 

During the work week, Chase called me and left a voicemail. As I was unable to take time from working, I did not receive the message. On Friday, the XXXX, the repossession company collected my vehicle approximately XXXX. 

I was caught off guard due to the arrangements set up with Chase the week prior, which I maid the first week 's {$100.00} payment and the following week would bring the account only 30 days behind. There was not an email sent ( my preferred contact method ) about my loan being at the point of potential repossession. 

Though I have asked for my communications to be reviewed to correct the errors, Chase insists that it is a valid repossession and the full amount, nearly {$14000.00}, will be needed in order to reinstate my loan and reclaim my vehicle. 

I 've offered to catch up all my payments ( {$300.00} x XXXX payments ) within one month 's time to bring my account back in good standing as my financial status has improved. However, without a vehicle, my efforts are hindered. 

Every day my payments get further behind, my credit score worsens, plus I now owe the repo company storage fees unless I alow the vehicle to stay beyond 10 days, leaving redemption into repossession status. 

No one at Chase is working with me to get me back on track from a bump in the road followed by an employees lack of training on my account status and possible effects. 

Please help protect me and my daughter from being without reliable transportation to her school and my work. 

My car payment history is not perfect, but I 've always had the ability to pay on them. Due to a divorce and unforeseen economy, my payments became an issue, but never neglected. I would always communicate this.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (PA)

My account with XXXX  network was fulfilled. When I cancelled they are charging me an early termination fee. I spoke with XXXX and asked for them to send me a copy of my signed agreement. That I renewed. They have refused to sent agreement. I disputed the collection on my credit report but they arent removing it. I tried XXXX the reason why but havent been able to.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX, Account was Paid, Company stated that account would be paid with deleted from Credit report and was n't. I Would like for it to be Deleted from all 3 reports!!! 
Open XXXX/XXXX/XXXX Paid XXXX XXXX XXXX, Account was Paid as Agreed, Transferred to XXXX XXXX XXXX, Only had 1 account and had been PAID IN FULL XXXX. I would like for it to be deleted from all 3 reports!!!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TN)

This is my second complaint. Their response to the first complaint was they would not respond because I was a third party. Which I did n't become a third party until after the complaint. All I want to do is pay off the loan balance. I am the legal owner of the property. I have sent the legal papers they requested. They still refuse to work with the tital company that has requested the payoff numerous times. There is a auction date of XXXX XXXX, XXXX. This is the second date set. I was able to get them to postpone the first date so we could get everything together. All we need is the payoff faxed to the tital company. They have all the legal paperwork they need. They continue to refuse helping me pay this debt off.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I received a credit card statement from VISA SIGNATURE - BANK OF AMERICA. A card I never opened or authorized to be opened. 
On XX/XX/XXXX, I called their Customer Service telephone number ( listed on the statement ) XXXX to correct this information. I received a belligerent response and NO satisfaction to correct this fraudulent transaction.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

fifth third bank has not paid property taxes on my property in six months.I have contacted them a number of times to no avail .Everytime we get a letter from the tax accessor they raise our escrow amount because of shortages in the amount in our escrow account .we have received letters saying we are late on our mortgage payment even though we have automatic monthly mortgage deductions from our bank account.I have called to try to get this problem fixed.we called and nobody has a clue about what is going on with this account.
Consumer complaint received 2019-02-28
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. (TX)

I have uploaded the document from Experian as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that Experian is looking for is XXXX XXXX also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : 11:147 XXXX Manual of  Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX-XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

Experian keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Consumer complaint received 2017-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (NJ)

I have called three separate times and spoke with a representative to gain access to my monthly statements and other official communication. All three representatives promised to mail statements to my email, I have received none. Also, I wanted a formal ticket into my lack of access to records to be opened, with no resolution noted.