davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I missed one mortgage payment of 2019, and my mortgage company is not giving me any reasonable way to pay that back. They claim I either have to pay in full, or pay balance in two months more than doubling my mortgage payment beyond what I am capable of paying. They refuse to give me any other options, and I can never reach my assign poc who is in charge of my account. I feel as if I am being discrimated against for being a veteran and they constantly give me the run around to collect late fees from me. I have alright stated I would commit to a repayment plan, and gave a XXXX dollar deposit. That leaves XXXX owed for that payment, but they want me to pay over 1000 for two months not including my regular mortgage payment of XXXX effectively making it XXXX a month.
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (SC)

XXXX XXXX XXXX began sending a statement in XXXX of XXXX which stated that I didnt send back equipment from XXXX  XXXX XXXX XXXX . I spoke to the customer service representative along with their supervisor and advised them I did send the equipment back. I even went as far as giving them the return reference number, serial numbers of returned equipment, and the date and location in which I returned the equipment. 

They assured that they would clear this up and it would not be reported on my credit. 

I was sent a collection letter from XXXX  on XX/XX/XXXX. Called XXXX XXXX XXXX again on XX/XX/XXXX and they assured me theyd clear it up again. 

It is now XX/XX/XXXX and I received a notice from XXXX that I now have a collections from Seqium collections. I called Seqium and theyve placed a dispute on the account. 

This is ridiculous!
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report XXXX Account Number : Please correct/update this inaccurate information on my credit report. 
XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXXXXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF EDUCATIONXXXX  Account Number : This account is inaccurate and XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX  Account Number :. 

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, XXXX  and Transunion regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed
Consumer complaint received 2022-04-30
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: AmerAssist A/R Solutions, Inc. (CA)

2020 Ammerist AR placed an account under my name into collections without my knowledge of the account being opened. The amount on the account is {$1500.00}. I don't have any knowledge of this account or who opened the account using my information.
Consumer complaint received 2022-01-13
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 — Their investigation did not fix an error on your report
Company: Jon Barry and Associates, Inc. (NC)

Hello. I noticed a company on my credit where I did not sign or give any of my personal information. It is for {$1000.00}. I disputed this account # XXXX in XXXX and XXXX of 2021 with the credit bureaus to have it removed. In XXXX, I wrote directly to Paragon Revenue Group, who then violated my HIPAA rights by sending a detailed medical bill from a hospital listing medical services and medication along with personal information.
Consumer complaint received 2022-04-30
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. (GA)

The law stipulates that you must investigate withing XXXX of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
Item # : Reason for Correction : XXXXXXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX  This account was opened fraudulently XXXX XX/XX/XXXX According to the provisions of the Fair Credit Reporting Act 661 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

While traveling overseas, I called USAA to discuss recent charges on my debit and credit card ( Sunday XX/XX/XXXX ). The representative and I agreed that there was no fraudulent activity on my card and no need for any action. For some odd reason that no one can explain ( after dozens of phone calls ), the representative deactivated my card anyway. I only learned of this on XX/XX/XXXX, when I went to an ATM machine and my card was confiscated. When I first called USAA, I was told, " if you have a problem with the bank that confiscated your card, you will need to work it out with them! '' I could n't believe it. Clearly, this bank only confiscated my card because USAA told them to do so. Numerous phone calls later and almost a week later, I received a new card in the mail - after some extremely unpleasant phone calls. This is clearly an instance, once again with USAA, where the front line personnel is so poorly trained and unprofessional that customers are left without any recourse. Moreover, I have been told that USAA can revoke my card at any time and without any reason. If I am traveling abroad, " I am out of luck. '' According to their representatives, they also have no responsibility to notify me that they are revoking my ATM or Visa Card. They can and will do this at will.
Consumer complaint received 2022-04-30
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (AL)

Around XX/XX/18 I filled out an application for a balance transfer with the amount that I wanted transferred from my current account to my new chase card ( around {$5200.00} ). I received a call about a week later confirming it was me trying to get this balance transfer. I gave the man from chase my info and he asked me to hold on a minute and he will go ahead and run it to see if I am accepted. He got back on the line and said everything was good and I was accepted for the balance transfer. He did NOT tell me I was only accepted for a fraction of the money I requested transferred. I was looking for someone to transfer the full amount, and if they couldn't, I would not have continued with them. I would have found a card that took the entire amount. I did not know this until I received 2 letters in the mail from chase 1-2 weeks later. One letter was the new credit card and the other was a letter stating they only transferred 1/4 of what I had requested and specifically put in my application. I called chase about a week ago and tried to see if they could fix this or just reverse it all. I eventually was sent to a " supervisor '' that told me it was past the grace period and that I only had 2 options. Either they can run another credit check, and possibly lower my credit score 30+ more points, or I can just deal with it. She also stated that running another credit check doesn't guarantee I will even get the full amount transferred. The whole reason for me requesting a balance transfer was to give me more time to pay off my debt with no fees and no interest for a year while I get my credit score where I want it to be.. Now I am stuck with 2 credit card payments and a credit score that has dropped 30+ points over just {$900.00}.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

This is the 3X Equifax has sent me this letter XX/XX/2020 requesting it again Why does it say UNABLE TO LOCATE A CREDIT FILE IN OUR DATA BASE???? Why when I send Lease, Social Security Card WE ARE NOT SUPPOSED TO LET ANYONE ELSE SEE RISKING 2Xs Do they not have? I do not think it wise to send again I am a victim of deninty theft. 
I have been unscuccessful contacting them on line due to my hand XXXX When I call My questions are not answered or resolved HOW CAN THEY HAVE NO RECORD OF ME? WHY DO THEY REQUIRE RISKING CONSUMERS PRIVACY SENDING SOCIAL SECURITY CARD? DO THEY NOT KNOW WE ARE TARGETS TO HAVE OUR SOCIAL SECURTY STOLEN IN NUMEROUS SCAMS? NO WONDER SO MUCH IDENINTY THEFT GOING ON THESE DAYS WHY AREN'T THEY GETTING WHAT I SENT?
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MN)

I am a victim of identity theft. Someone opened numerous Sun Trust Checking accounts in my name, using my personal information and home address. I have never opened a checking account with Sun Trust Bank. The checking accounts that was opened with Sun Trust Bank was all fraudulent checking accounts. I was just released from XXXX  after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Home Address : XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2021-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GB Collects, LLC (NC)

On XX/XX/2021, I received a debt collection notice pertaining to an outstanding balance for a previous auto insurance policy. I had no prior knowledge of the amount and was caught completely off guard by the collection notice. 

I have never received any written notice or telephone calls from my former insurance agent about the alleged debt and switched my auto insurance to a different company. Before doing so, however, I waited until my policy expired. There was no money owed at the end of the policy.
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without but written instructions
Consumer complaint received 2021-06-09
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: JPMORGAN CHASE & CO. (NY)

JPMCB CARD XXXX -This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 
XXXX XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (OH)

I filed a dispute on XX/XX/2020 because my Auto insurance comes out automatically and I accidentally paid it as well myself. When I realized my error I immediatelly called American Express National Bank and filed a dispute. At that time I was told that it was still pending on my account and that it would take 7 days for my {$120.00} to be returned to my account. On the seventh day, I checked my account and my monies wasn't in my account and the transaction had posted. I then called the Bank to inquire about my monies and was told that " there was no dispute filed and that I couldn't get my money returned for another 10 to 45 days. They looked at my account and also seen that it was a duplicate charge for the {$120.00} and they didn't try to rectify the situation by any means. I told them that I had done my part and I also waited and that I should be returned my money. I then told the customer service rep that I wanted to speak to a Supervisor and he continuously continued to speak to me I then insisted to speak to a Supervisor and she also didn't give me monies. The Supervisor customer rep number is as follows : # XXXX My account number is : XXXX and the Bank is American Express National Bank
Consumer complaint received 2021-11-11
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: ERC (VA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for XXXX  due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Consumer complaint received 2023-03-21
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. (TX)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$760.00}.