davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

I am executor of my cousins estate who passed away XX/XX/2020. The account is with chase bank. You have to call deceased number XXXX but it says send email to XXXX and hangs up. I sent email to that address at chase bank to close the account and send me a check for the amount in the account. I sent them all paperwork XX/XX/2020. All contact was by email. They asked for more documentation and on XX/XX/2020 they said they had processed the paperwork and will send out a check. I did not received a check. I sent them an email on their encrypted email server on XX/XX/2020 and did not receive a response. I sent them another email on the XX/XX/2020 and no response. I sent them another email XX/XX/2020 and no response. I also called the local branch on XX/XX/2020 and they said someone from escalation services will call me. XXXX XXXX # XXXX called me and left message but no return number to call. I redaiedl the number she called me from but it went to main chase number. I again email them on XX/XX/2020 and no response. I called the local bank again and asked to speak to esclation department again. I called chase and asked for escalaton department. It ent to voicemail and said to leave a message. 
In summary I recieved a message from chase in thier private email portal on XX/XX/XXXX that a check will be sent to me, It is now XX/XX/XXXX and I do not know he status and can not reach anyone in the deceased department to find out any info. Can you help me?
Consumer complaint received 2021-09-20
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. (FL)

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have tried to avoid picking up the phone becouse they call me several times a day one very early between XXXX and XXXX everyday even though I have been patient but its way too much. 
They also call me several times at work and early hours or late evening please stop. 

I would also like to please have them stop calling my parents and harassing them this makes me look bad and should be unacceptable
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent numerous requests to XXXX, XXXX, and Experian to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-04-15
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. (MS)

Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.
Consumer complaint received 2020-05-14
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. (SC)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (GA)

The OneMain loan is a predatory loan for the following reasons I will document below : - 69.2 % of my monthly payment is applied towards interests on the loan. 
- My average monthly payment is XXXX and XXXX is applied to the principal balance. 
- I contacted OneMain on multiple occasions to request a copy of my promissory note to understand why the bulk of my payment was applied to interest instead of the principal balance. XX/XX/XXXX, I emailed the company to document my attempt to understand what fees I am paying because the agents were not helpful via phone. I received a response back on XX/XX/XXXX stating [ my ] local OneMain branch is best equipped to work with your specific needs and answer any questions [ I ] may have.

- The branch called me during the workday and I missed their call. Each followup attempt I made to return their call was unsuccessful. 
- The company ONLY stores 12 recent billing statements on its website - My balance in XX/XX/XXXX was XXXX. To date, XX/XX/XXXX, my balance is XXXX. I have made 13 payments since XX/XX/XXXX totaling XXXX yet only XXXX have been applied to my principal balance. 
- It is frustrating and quite disheartening to deal with a company with such predatory practices. There should be better laws in place to protect consumers against companies that make it difficult to find disclosure information related to one 's loan, associated fees, and the interest rate. They do not share information about a consumer 's account with the consumer unless you physically visit a branch which is unbelievable in the year XXXX. 
- I sent another email on XX/XX/XXXX, to request my payoff amount and I will request a copy of my promissory note ... again. I would like an email with this information sent to me NOT a phone call.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

This is second complaint regarding late payment posting by US BANK. 
I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2023. US bank hasn't posted any payments to my account as of XX/XX/2023. I want to escalate this matter as the end of the month is here and I do not want any late payments reported to the credit bureaus. This is a reoccurring issue with US bank not reporting payments timely but yet I receive correspondence requesting payment when the payment is sitting there. I would like for US bank to research further to find the payment and post to my account and credit bureau without penalty.Thank you
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services (VA)

Lendmark Financial is calling me twice and 34 times a day about my car loan which is totally unacceptable and against the rules and laws of Virginia they need to call once and that is it not calling back to back. Im aware that Im a one month behind but to Continuously calling multiple times in one day is a form of harassment.
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

- On XX/XX/XXXX I became aware that my debit card was lost or stolen and notified USAA on that date via phone. USAA cancelled the debit card and reissued another ( which I have not activated to this date ). 
- On XX/XX/XXXX, I also noticed 8 fraudulent charges that I did not authorize or benefit from. I notified USAA in the same phone call and a fraud investigation ensued. These charges were based in XXXX. 8 charges were from 8 different merchants but 2 sets of three were identical down to the cent. {$1600.00} ( 3 times ) {$1600.00} ( 3 times ). 
- I was not in the country of XXXX at the time, have cell phone records, card present charges in the US during the time frame and a professional photo taken to establish credibility. 

- USAA started to investigate but on XX/XX/XXXX determined that the charges were not fraudulent. I requested 2x any evidence that the company could provide ( as they mentioned that was my right ) to make their determination. 
- USAA on XXXX provided mere correspondance but no evidence. 
- On XXXX, a representative escalated my claim and verbally told me the 8 charges were card present charges which imply I would have to be in XXXX to make the charges. 
- No other member of my household has access to that account. My wife had a baby on XX/XX/XXXX so she couldn't travel and my eldest child is XXXX XXXX XXXX USAA has a zero liability fraud protection program ( https : //www.usaa.com/inet/wc/advice-finances-debit-card-fraud? akredirect=true )
Consumer complaint received 2020-10-12
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. (FL)

I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

I have an old closed XXXX credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with Experian dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past XXXX XXXX XXXX XXXXXXXX years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (KS)

I am in the XXXX  industry and have been deeply affected by the Coronavirus, likely more than most. I am a XXXX XXXX as a XXXX XXXXXXXX and XXXX. I have lost 4 months of work and have even been rescheduling in the Fall and losing my remaining good Saturdays for the year. So I will not be making up that money. I filed for unemployment, but because I am XXXX and work in 2 states ( XXXX XXXX area strattles state line ), I was told I had to call in. The call line sends you to a machine which hangs up on you after directing you back online because they are swamped. So I said I only work in Kansas in order to submit it, but no response or check yet. 

We have XXXX  kids and a new home we bought in XXXX of 2019. Our mortgage company is Mr. Cooper. We have missed 2 payments of roughly {$1800.00} each, XXXX and XXXX, so far. I have tried calling, but they also have an automated message directing you back to online and hanging up afterward. But then I discover the only option is a forbearance, admittedly warning I may be disqualified from any stimulus or other aid if I fill it out. On top of that, they say quite sternly XXXX and repeated bluntly by the CEO in a video ) that it is NOT an extension of the life of the loan, but rather a normal extension, requiring a lump sum at the end of the 90 days. As if anyone is saving money right now and able to pay MORE when this nightmare is over! Thats illogical. It is mentioned that payment plans could be made, but this is not what you agree to in the application and it is so arbitrary it is unknown exactly what they could force you to do after agreeing to this form. This seems unwise to enter into. So for these terms, and the threat of not getting aid, I chose not to fill this out. I did however email them explaining this. I have not heard back and they are still not taking calls. 

We can not lose our home. And we can not pay a higher monthly payment. We are scared and dont know how to fix this. Meanwhile, the days are passing by and notices are flooding in. We have been able to pay all our other bills, but that will end this month if unemployment or a stimulus doesnt come soon. 

If anyone can encourage mortgage companies to extend the life of loans, it would help us immensely. I can only imagine how many people are being hurt by filling out this forbearance, which essentially gives zero aid, and only allows for a little time to then make their account current all at once, without any backpay to do so. It seems dishonest and taking advantage of many people forced to choose this only option. They should be held accountable for making things worse on hurting people everywhere.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (MO)

My account was froze charge excess service fees frozen for a while without explanation closed and no funds were sent back to me and and it says there's a charge off on my credit report because of it also they said they close both accounts which I found out not too long ago that the savings account apparently I don't even know where the statements are going or why aren't they coming is still open
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (CT)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I'm having a problem connecting my bank account with XXXX an app which allows me to receive advances every now and then. I've even using this service that XXXX provides for quite some time and now that connection has been severed for whatever reason. I absolutely have no problem with this app being connected to my bank account and yet it has been disconnected without my approval.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Account # XXXX Form XXXX must be filed regardless of whether the debtor is required to report the debt as income, A status of a charge off on an account is an inaccurate account and it must be deleted
Consumer complaint received 2021-09-20
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. (MI)

I have sent numurous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.